20.88%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

8%

Cash Back at all Other Petrol Stations

All Details

• Key Features

  • Up to 8% cash back on dining, groceries, petrol worldwide

  • 20.88% savings at Esso and Shell

  • Up to S$1,000,000 coverage when you charge your travel tickets to card

  • First year fee waived for principal cardholder and 2 supplementary cards

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

  • Information is accurate at time of publish. Please refer to Citibank (https://www.citibank.com.sg/gcb/credit_cards/credit-card.htm) for the latest updates.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Buffet Promotion

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Shopping

• 0.25% cashback on all retail spend

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Dining

Excellent

Supports all restaurants, cafes and bars

• Base cashback rate: 0.25% on all dining transactions

• An additional 5.75% cashback will be applied to your dining transactions if you spend at least S$800 on your card per statement month

• Eligible dining merchants include caterers, eating places, restaurants, and fast food restaurants worldwide

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Cash Back

Excellent

• Base cashback rate: 0.25% on all retail purchases

• An additional 5.75% cash back will be applied to your dining transactions, additional 7.75% cash back will be applied to your grocery and petrol transactions if you spend at least S$800 on your card per statement month

• Total cash back earn will be capped at S$80 combined across all retail spend per statement month

• General exclusions such as bills, payments to educational, governmental, and financial institutions apply

• Cashback earned will be accumulated and automatically credited to your credit card statement when it reaches S$50. You will also be able to track your cashback earned on the Citi Mobile App

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Grocery

Excellent

Supports all retail grocery stores

• Base cashback rate: 0.25% on all grocery transactions

• An additional 7.75% cashback will be applied to your grocery transactions if you spend at least S$800 on your card per statement month

• Eligible grocery merchants include grocery stores and supermarkets worldwide

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Petrol

Excellent

Best for: Petrol transactions at Esso and Shell

• Base cashback rate: 0.25% on all petrol transactions

• An additional 7.75% cashback will be applied to your petrol transactions if you spend at least S$800 on your card per statement month

• Eligible petrol merchants include service stations, and automated fuel dispensers worldwide

• Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts) = Total of 20.88% savings effectively

• Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount + 8% cashback (on nett purchase after discounts) = Total of 20.88% savings effectively

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Rewards

Very Good

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	S$97.20
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	Determined by credit card issuer
Minimum Monthly Repayment	1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$42,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay
Citi Pay

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