Citi Cash Back Card Review

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 6% cash back on dining and 8% groceries and petrol when you meet a minimum retail spend of S$800 per statement 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% rebate, but do take note that there is a combined S$80 cash back cap for all eligible transactions per month.
• Petrol discounts. You can enjoy bonus fuel savings up to 20.88% at Esso and Shell

• 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.
• Refer-a-friend bonus. Receive S$100 per successful referral and up to S$500 bonus for further successful referrals. T&Cs apply. Ends 31 Aug 2021.

• Citi Cash Back Card Promotions

  Foodpanda

  Existing customers:
  August Offers (Limited redemptions)
  Get S$6 off with a minimum purchase of S$30 (Promo code: CITI21AUG).
  Get S$10 off with a minimum purchase of S$50 (Promo code: CITI21AUG10).
  T&Cs apply. Offer ends 31 Aug 2021.
  
  New customers:
  Get S$10 off with a minimum purchase of S$15 on first order using Citi Credit Card (Promo code: CITINC21).
  T&Cs apply. Offer ends 31 Dec 2021.
  

  Lazada

  Get S$8 off with minimum spend of S$20 for new shoppers of Lazada mobile app. T&Cs apply. Ends 31 Dec 2021.

  Zalora

  Evergreen offers
  New Customers:
  Get 30% off + 15% Zalora cashback with no minimum spend. Promo code: CITINEW2021. Ends 30 Sep 2021.
  
  Existing Customers:
  Get 15% off + 5% Zalora cashback with minimum S$100 spend. Promo code: CITIZAL21. Ends 31 Jan 2022.
  
  T&Cs apply.

  Shopee

  New Shopee Citi Cardmembers:
  Get S$8 off upon S$16 minimum spend [Promotion code: CITINEW8].
  
  Existing Shopee Citi Cardmembers:
  Get 10% off with no min. spend, capped at S$4 discount per transaction [Promotion code: CITITEN4].
  
  T&Cs apply. Ends 30 Sep 2021.

  Agoda

  Get 7% off selected hotels worldwide. T&Cs apply. Valid till 31 Dec 2021.

  Edge – Pan Pacific

  Get 15% off your total bill for lunch and dinner (excludes Sunday brunch). T&Cs apply. Ends 30 Dec 2021.

  Expedia

  Get 9% off on hotels using promo code 'CITISG9' and SGD15 off on Flight + Hotel Packages using promo code 'CITISG15'. T&Cs apply. Valid until 31 Dec 2021.

  Airbnb

  Get 20% off for first-time Airbnb Experience users using promo code 'SINGAPORECITI21'. Capped at a maximum discount of USD20. T&Cs apply. Valid until 30 Sep 2021.

  In Good Company Promo

  Get 10% off on regular-priced items online using promo code 'CITIXXXXXX'
  (XXXXXX refers to first 6 digits of the Citi Card number). T&Cs apply. Valid until 31 Mar 2022.

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

• For Singaporeans or PR

  • 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

• For Self-Employed

  • 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

• For Foreigners

  • 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$800 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.