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Citi Cash Back Card Review

Last updated: Jun 24, 2020

Earn up to 8% cash back on everyday spending categories and enjoy a wide array of ongoing promotions with this card.

The Citi Cash Back card has one of the most eye-catching cashback benefits on the market. If you charge your everyday spendings frequently and meet the qualifying spend of S$888 per month, this card may be ideal for you.

Compare the fees, features and benefits of this card below.

S$0 annual fee for 1 year - S$192.60 thereafter

Annual Fee

26.9%

Effective Interest Rate

S$30,000

Min Income - Singaporean and PR

Details

Product Name	Citi Cash Back Card
Reward	Get up to 20.88% off fuel. Plus, travel offers in 95 countries
Effective Interest Rate	26.9%
Interest Free Period	Up to 25 days
Maximum Credit Limit	Up to 4X of monthly income
Minimum Monthly Repayment	1% or S$50, whichever is higher
	More Info

Annual Fee	S$0 annual fee for the first 1 year and S$192.60 thereafter
Supplementary Annual Fee	S$96.30
Late Payment Fee	S$100
Cash Advance Charge	S$15 or 6% of the amount withdrawn, whichever is higher
Foreign Currency Transaction Fee	up to 3.25%
	More Info

Min Income - Singaporean and PR	S$30,000
Min Income - Foreigner	S$42,000
Min Age - Primary Holder	21
	More Info

Expert review

Review by

Zyane Tan

zyane.tan@finder.com

Zyane Tan is an associate editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.

Expert review

With the Citi Cash Back Card, you could enjoy a huge 8% cashback on dining, groceries and petrol. In addition to that, you get to enjoy first-year annual fee waiver, complimentary insurances along with Citi rebates at participating merchants. Just keep in mind the rebate cap of $25 per spending category when comparing this card to others on the market.

Benefits of using the Citi Cash Back Card

Here are some of the features that come with the Citi Cash Back Card:

Cash back. Earn 8% cash back on dining, groceries and petrol when you meet a minimum retail spend of S$888 per calendar month. All eligible expenditures, regardless of spend categories, will entitle you to 0.25% cash back. There’s no qualifying spend and earn cap for the 0.25% rebates.
Petrol discounts. You can enjoy bonus fuel savings up to 20.88% at Shell and Esso stations.

Welcome bonus. S$120 cash back when you apply & spend S$1,200 in the first 3 months upon card approval. Terms and conditions apply. Ends 31 January 2021.
Refer-a-friend bonus. Receive S$50 per successful referral and up to S$1,200 bonus for further successful referrals. T&Cs apply. Ends 31 Aug 2020.

Expedia
Get 10% off Expedia hotel bookings. Promo Code: CITIHOTEL10). T&Cs apply. Valid till 31 Dec 2020.

Get S$15 off on package booking with minimum spend of S$500. (Promo Code: CITIPKG15). T&Cs apply. Valid till 31 Dec 2020.
Foodpanda
Existing customers: Get S$6 off with a minimum purchase of S$30 using Citi Credit Card (Promo code: CITIJUL) and S$10 off with a minimum purchase of S$50 (Promo Code: CITIJUL10). T&Cs apply. Offer ends 31 July 2020.

New customers:
Get S$8 off with a minimum purchase of S$15 on first 2 orders using Citi Credit Card (Promo code: CITINEW). T&Cs apply. Offer ends 31 Aug 2020.
Lazada
Get S$8 off with minimum spend of SGD20 for new shoppers. T&Cs apply. Ends 30 Dec 2020.
Zalora
New Customers:
Get 26% off at the storewide with no minimum spend for all Citi Cards, including sale items (discount capped at SGD40). Promo Code: CITINEW2020.

Existing Customers:
Get 15% off at the storewide with a minimum spend of SGD100 for all Citi Cards, including sale items. Promo Code: CITI2020.

T&Cs apply. Valid until 31 December 2020.
Shopee
New Shopee Citi Cardmembers: Get S$7 off upon S$15 minimum spend [Promotion code: CITINEW7]. T&Cs apply. Ends 31 Dec 2020.

Existing Shopee Citi Cardmembers: Get 10% off, capped at S$4 discount per transaction [Promotion code: CITITEN4]. T&Cs apply. Ends 31 Dec 2020.

Features of the Citi Cash Back Card

The Citi Cash Back Card provides the following features:

Annual fee. The annual fee for the primary card is S$192.60 and S$96.30 for every supplementary card. First-year annual fees are waived for the primary card and two supplementary cards.
Complimentary travel insurance. Purchase your travel tickets with your Citi Cash Back Card for complimentary coverage of up to S$1 million in travel accident insurance for incidences such as flight inconveniences and fatal injury whilst travelling.
Dining, lifestyle and travel perks. Gain access to a multitude of local dining deals with Citi Gourmet Pleasures. Citi World Privileges also open doors to other overseas dining, travel and shopping deals, helping you make the most out of your dollar.
Eligible for mobile wallets. You can make fast and secure payments online, in stores and in apps through Citi Pay, Apple Pay and Samsung Pay.
Automated ERP payments with EZ-Pay. You may also link your Citi credit card to the EZ-Pay facility, allowing you to breeze through Electronic Road Pricing (ERP) gantries without worrying about an empty cash card. Plus, you can now tap and pay with SimplyGo using your credit card.

How to apply for the Citi Cash Back Card

You can apply for the Citi Cash Back Card online in around five to ten minutes. To get started, make sure you meet the eligibility criteria and have the required documents and details on hand for a quick application process.

Eligibility criteria

Earn at least S$30,000 p.a. if you’re a Singaporean or permanent resident, or S$42,000 if you’re a foreigner.
Have a good credit rating.
Be at least 21 years or older.

Required documents

- Photocopy of your NRIC (front and back) or passport
- Latest computerised payslip; or
- Latest income tax notice of assessment; or
- Last 12 months’ CPF statement
- Photocopy of your NRIC (front and back) or passport
- Income tax notice of assessment from the last two years; or
- Bank statements from the last three months
- Photocopy of your passport and work permit (with at least six months validity)
- Latest mobile bill, utility bill or bank statement with your name and address
- Latest computerised payslip
- Latest income tax notice of assessment

The Citi Cash Back Card could offer lots of potential savings if you spend on groceries, fuel and dining frequently, and charge at least S$888 to your card every month. Otherwise, the high annual fee may negate any savings earned from the 0.25% basic cash back rate and end up costing you more. To make sure you’re applying for the right card for you, take some time to compare your options before you make your decision.

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