Citi Cash Back Card

CNY WHO, WHERE, HUAT | UP TO S$458 CASH

Citi Cash Back Card is one of the best cashback credit cards in Singapore with up to 8% cash back on dining, groceries, private commute and petrol if you spend at least S$800 each month. The cash back earned will automatically be credited as cash rebates, which is great for those looking for a fuss-free card.

Up to 8%
Cash Back on Groceries, Petrol & Private Commute: ^S$80
Total Cash Back Cap, per month: Up to 23.64% savings
at Caltex, Shell & Esso

MoneySmart Exclusive

[CNY WHO, WHERE, HUAT 🧧 | UP TO S$458 CASH🧧]
Get S$370 Cash or 6,140 SmartPoints , and a Circles.Life 3-month 150GB 4G Plan + 1TB 5G Local Data (worth S$65) in as fast as 5 weeks when you spend S$500 within 30 days.

PLUS get EXTRA S$88 Cash when you spot the correct number of Pineapple Tarts in the Who, Where, Huat challenge! T&Cs apply.

Valid until 21 Jan 2025 - See more details below

Are you eligible?

- Promotion is valid from 16th January 2025 to 21st January 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 21st February 2025

What you need to know

*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Get EXTRA S$88 CASH on top of your baseline gifts when you spot the correct number of Pineapple Tarts in the Who, Where, Huat challenge! T&Cs apply.
Get FREE 3 month of Circles.Life 150GB 4G plan (worth S$45) and 1TB of 5G Local Data with no expiry* (worth S$20)
The Circles.Life Plan expires after the third month and the bill reverts to S$15. For any plan cancellation requests kindly contact Circles Life at +65 8808 6868 from Monday - Sunday, 9am - 6pm to submit your termination request.
Use 6,140 SmartPoints to redeem any product on our Rewards Store such as:
- Apple iPhone 16 Pro Max (256GB) | Top up $1,270 more only
- Apple iPad (10th Gen) | Redeem in full
- Sony WH-100XM5 Noise Cancelling Headphones | Redeem in full
- S$430 GrabGifts Vouchers | Redeem in full
- OR many other options available at our Rewards Store today.
- For more information regarding SmartPoints, refer to our FAQ here.
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.

T&Cs

FAQ

Claim Form

Quick Facts

Get the maximum value by

Earn up to 8% cash back on selected categories with minimum spend of S$800 in a statement month

Good for

Individuals who prefer to maximise their rewards earning, frequently spend on dining, groceries, private commute and petrol, and are in the habit of tracking their expenditure closely

Categories to maximise this card

Groceries, Dining, Private Commute and Petrol

What people use it for

Day to day expenses

Get if

If you spend minimum of S$800 in a statement month, you will earn bonus cash back on these 4 categories

All Details

- 8% cash back on petrol and private commute spend
- 6% cash back on dining and groceries spend
- 0.2% cash back on all other retail spend
- Up to 23.64% savings at Caltex, Esso and Shell
- Up to S$1,000,000 coverage when you charge your travel tickets to the card
- With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more. T&Cs apply.
- At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Base cashback rate: 0.2% on all retail purchases
An additional 5.8% cashback will be applied to your dining and groceries transactions if you spend at least S$800 on your card per statement month
An additional 7.8% cashback will be applied to your private commute and petrol transactions if you spend at least S$800 on your card per statement month
Total cash back is capped at S$80 combined across all retail spend per statement month
Up to 23.64% savings at Caltex, Esso and Shell
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

Supports all retail grocery stores

Base cashback rate: 0.2% on all grocery transactions
An additional 5.8% cashback will be applied to your grocery transactions if you spend at least S$800 on your card per statement month
Eligible grocery merchants include grocery stores and supermarkets worldwide
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more. T&Cs apply

Best for: Petrol transactions at Caltex, Esso and Shell

Base cashback rate: 0.2% on all petrol transactions
An additional 7.8% cashback will be applied to your petrol transactions if you spend at least S$800 on your card per statement month
Eligible petrol merchants include service stations, and automated fuel dispensers worldwide
Caltex Discount: 17% instant discount at Caltex on all Techron® fuels and 8% cash back with Citi Cash Back Card (on nett purchase after discounts)
Esso Discount: 5% Esso station site discount + 5% Esso Smiles card discount + 4% Citi Card discount + 8% cash back (on nett purchase after discounts) = Total of 20.88% savings effectively
Shell Discount: 5% Shell station site discount + 5% Shell GO discount + 4% Citi Card discount + 8% cash back (on nett purchase after discounts) = Total of 20.88% savings effectively
With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more. T&Cs apply

Base cashback rate: 0.2% on all retail purchases
An additional 5.8% cashback will be applied to your dining and groceries transactions if you spend at least S$800 on your card per statement month
An additional 7.8% cashback will be applied to your private commute and petrol transactions if you spend at least S$800 on your card per statement month
Total cash back is capped at S$80 combined across all retail spend per statement month
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

Annual Principal Fee	S$196.20
Supplementary Annual Fee	S$98.10
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	27.9%
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	8% or $15, whichever is higher
Overlimit Fee	S$40

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

Back to all Credit Cards

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.

Apply Now

Check out the Citi Cash Back+ Card here!

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.

View Card

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$42,000

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Citi Cash Back Card

Citi Cash Back Card

Are you eligible?

What you need to know

Quick Facts

Get the maximum value by

Good for

Categories to maximise this card

What people use it for

Get if

All Details

Key Features

Cash Back Excellent

Grocery Excellent

Petrol Excellent

Buffet Promotion Excellent

Dining Excellent

Shopping Excellent

Rewards Very Good

Annual Interest Rate and Fees

Minimum Income Requirements

Documents Required

Card Association

Wireless Payment

MoneySmart Promotions

Check out the Citi Cash Back+ Card here!