Citi Cash Back Card Review

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 $800 per month, this card may be ideal for you.

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

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$0 annual fee for 1 year - $194.40 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameCiti Cash Back Card
RewardGet up to 20.88% fuel discounts at Esso and Shell, 6% cashback on dining and 8% cashback on groceries.
Effective Interest Rate26.9%
Interest Free PeriodUp to 25 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment1% or $50, whichever is higher

Review by

Zyane Tan is an 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 6% cashback on dining and 8% cashback on 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 that rebates are capped of $80 across all retail spend per statement month 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 and 8% groceries and petrol when you meet a minimum retail spend of $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 $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. Get a welcome gift of $300 cash back when you spend $800 in the first two months. T&Cs apply. Ends 31 March 2023.

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 $194.40 and $97.20 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 $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 $30,000 p.a. if you’re a Singaporean or permanent resident, or $42,000 if you’re a foreigner.
  • Have a good credit rating.
  • Be at least 21 years or older.

Required documents

The Citi Cash Back Card could offer lots of potential savings if you spend on groceries, fuel and dining frequently, and charge at least $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.

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