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

  • New Citi credit card users receive S$120 cash back with S$1,200 spend in the first 3 months. Valid till January 2021

  • 8% cash back 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

Shopping

• 0.25% cashback on all retail spend, no caps on spend

• Lazada: Citi credit card users new to Lazada automatically receive S$8 off with S$20 minimum spend upon checkout via the Lazada iOS or Android mobile app. No Promo or voucher codes required. Valid till 31 Dec 2020

Dining

Excellent

Supports all restaurants, cafes & bars

• Base cashback rate: 0.25% on all dining transactions, no caps on spend

• An additional 7.75% cashback will be applied to your dining transactions if you spend at least S$888 on your card per statement month

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

• Deliveroo: New customers receive S$4 off first 3 orders including delivery fees with minimum spend of S$25 with Promo Code “CITINEW”. Valid till 31 Dec 2020

• Deliveroo: Existing customers receive S$6 off with minimum spend of S$30 with Promo Code “CITI6AUG” or S$12 off with minimum spend of S$50 with Promo Code “CITI12AUG”. Valid till 31 Dec 2020

Cash Back

Excellent

• Base cashback rate: 0.25% on all retail purchases, no cap on spend

• An additional 7.75% cashback will be applied to your transactions on dining, groceries, and petrol worldwide if you spend at least S$888 on your card per statement month, totalling to 8% cashback

• All additional 7.75% cashback from dining, groceries, and petrol transactions will be capped at S$25 per category per 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

Grocery

Excellent

Supports all retail grocery stores

• Base cashback rate: 0.25% on all grocery transactions, no caps on spend

• An additional 7.75% cashback will be applied to your grocery transactions if you spend at least S$888 on your card per statement month

• Eligible grocery merchants include grocery stores and supermarkets worldwide

• SG Deli & Grocer: New customers enjoy 20% off their first order with Promo Code “CITI20”. Valid till 31 Dec 2020

• SG Deli & Grocer: Existing customers enjoy 10% off orders with Promo Code “CITI10”. Discount capped at S$15. Valid till 31 Dec 2020

Petrol

Excellent

Best for: Petrol transactions at Esso & Shell

• Base cashback rate: 0.25% on all petrol transactions, no caps on spend

• An additional 7.75% cashback will be applied to your petrol transactions if you spend at least S$888 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

Annual Interest Rate and Fees

Annual Principal Fee	S$192.60
Supplementary Annual Fee	S$96.30
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

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay
Citi Pay

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