Citi Cash Back Card

UPSIZED REWARDS & LUCKY DRAW | EXCLUSIVE TO CITI

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

Enjoy an upsized 6,140 SmartPoints or S$300 Cash via PayNow, when you meet the spend criteria. T&Cs apply. PLUS stand a chance to win up to $7900 worth of Staycay, Shopping and Dining Vouchers! T&Cs apply.

Use 6,140 SmartPoints to redeem any product on our Rewards Store. Alternatively, purchase additional SmartPoints using cash, to redeem upsized rewards as well.

Valid until 23 Oct 2024 - See more details below

Are you eligible?

- Promotion is valid from 16-October-2024 to 23-October-2024
- Applicable for New-to Citibank Cardmembers only
- Customers need to apply through MoneySmart to be eligible

What you need to know

Log into your MoneySmart account and submit your claim by 23rd November 2024
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
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.
Gift Selection: S$300 Cash via PayNow or Upsized 6,140 SmartPoints
Get an additional S$80 Trip.com Coupon on top of the base gift! The S$80 Trip.com Coupon consists of a: S$50 New User Coupon + S$30 Existing User Coupon. Refer to T&Cs for more details.
Stand a chance to win:
- 2 Days 1 Night Staycation at Pan Pacific Singapore Deluxe Panoramic Room (worth S$1,800++) + S$100 Marina Central Vouchers (2 Winners)
- 2 Days 1 Night Staycation at JW Marriot Singapore South Beach Premier Room (worth S$750++) + S$100 Marina Central Vouchers (2 Winners)
- 2 Days 1 Night Staycation at Conrad Centennial Singapore Deluxe Room (worth S$506++) + S$100 Marina Central Vouchers (2 Winners)
- S$500 Suntec City e-vouchers + S$100 Marina Central Vouchers (2 Winners)
Refer to https://www.moneysmart.sg/credit-cards/marina-central-promotion-ms for more details about the Lucky Draw!
Use 6,140 SmartPoints to redeem any product on our Rewards Store. Alternatively, purchase additional SmartPoints using cash, to redeem upsized rewards like a Apple 13-inch MacBook Air at only S$810!
With 6,140 SmartPoints* earned, you can redeem:
- Apple 13-inch MacBook Air M2 | Top up $810 more only
- Apple iPad (10th Gen) | Redeem in full
- S$430 GrabGifts Vouchers | Redeem in full
- Sony WH-1000XM5 Noise Cancelling Headphones | 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.
Trip.com Coupon are only eligible to be used at this link: https://sg.trip.com/w/moneysmart20
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.

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
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

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.

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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

Grocery Excellent

Buffet Promotion Excellent

Petrol Excellent

Shopping Excellent

Dining Excellent

Cash Back 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!