[SURE WIN S$450 CASH]
Get S$400 Cash or 5,040 SmartPoints, and a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash! T&Cs apply.
MoneySmart Exclusive Promotion is valid from 16-June 2025 to 23-June-2025
Applicable for New-to Citibank Cardmembers only
Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.
Log into your MoneySmart account and submit your claim by 23rd July 2025
Get EXTRA S$50 Cash on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!
Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.
Get an additional 5GB Eskimo eSIM on top of your baseline gift if you are the first 800 to meet the spend criteria and submit the claim form!
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications."
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"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
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"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as I am currently reviewing my own financial expenses. Good job, guys!"
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Feature | Citi Cash Back Card | OCBC 365 Card | HSBC Live+ Card |
---|---|---|---|
Interest Rate | 27.9% p.a. | 27.78% p.a. | 27.8% p.a. |
Annual Fee | $196.20 (First year waived) | $196.20 (First 2 years waived) | $196.20 (First year waived) |
Min. Annual Income (Singaporeans/PR) | $30,000 | $30,000 | $30,000 |
Min. Annual Income (Foreigners) | $42,000 | $45,000 | $60,000 |
Cashback (Petrol) | 8% worldwide + up to 23.64% fuel savings at Caltex, Esso, Shell | 6% | 5% at Caltex & Shell |
Cashback (Dining) | 6% worldwide | 5% worldwide incl. food delivery | 8% |
Cashback (Groceries) | 6% worldwide | 3% | N/A |
Cashback (Others) | 0.2% on all other spend | 0.25% on all other spend | 0.3% on all other spend |
Additional Benefits | Up to S$1 million complimentary travel insurance | 2-year fee waiver; cashback cap option (S$80 or S$160) | 15% off dining, 1-for-1 deals via ENTERTAINER |
Explore other cashback credit cards with us, here on MoneySmart.
Begin applying for the Citi Cash Back credit card by clicking on the “Apply Now” button on this page.
When you choose to apply online or through the Citi Mobile®️app and via SingPass MyInfo, HSBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
You’ll be able to activate your Citi Cash Back Card instantly through the Citi Mobile®️ app.
Alternatively, you may also log into your Citibank Online account to activate your credit card. Simply navigate to “Services” > “My Profile” and follow the instruction prompts.
Upon completion, a confirmation SMS will be sent to your registered mobile phone number, and you’ll be able to start using your new Citi Cash Back Card immediately.
Citi Cash Back+ Card is a straightforward credit card with unlimited cash rebates, no minimum spend, and a flat 1.6% cashback rate on purchases across all online shopping and lifestyle categories. Cashback earned will show up on your bank statement, so you can easily keep track and redeem them to offset your card balance via SMS.