Citi Cash Back Card
Up to 8% cashback on dining, groceries, petrol and private commute. Enjoy S$300 welcome bonus for new Citi card holders. Minimum income applies.
The Citi Cash Back Card aims to reward your daily expenses, from grocery shopping to everyday commutes. With up to 8% cashback on key spend categories globally, this card stands out among Singapore credit cards. New applicants, who are not current Citi cardmembers, can also enjoy a welcome gift of S$300 cashback upon meeting the minimum spend requirement. The interest rate, annual fees, and eligibility conditions are standard for major cards, with a S$196.20 annual fee (waived the first year), minimum income of S$30,000 (Singaporean/PR) or S$42,000 (foreigner), and cardholders aged 21 or older.
How to Apply Step-by-Step
- Check your eligibility for income and age requirements
- Prepare your NRIC or passport and income documents
- Apply online and log in with Singpass for easier processing
- If not using Singpass, upload your required supporting docs
- Wait for approval and receive your card if successful
Pros of the Citi Cash Back Card
The Citi Cash Back Card offers high cashback rates, rewarding everyday spend on private commutes, petrol, dining, and groceries. Cashback is credited automatically with no expiry.
The application process is hassle-free with Singpass integration, waiving document uploads and speeding up approval for eligible applicants.
Cons to Consider
The maximum cashback is capped at S$80 per statement month. If you do not hit the S$800 minimum spend, the cashback drops to just 0.2% on qualifying spend.
Annual fees apply after the first year, and only new Citibank cardmembers qualify for the S$300 welcome bonus—existing Citi customers won’t be eligible.
Verdict: Should You Get the Citi Cash Back Card?
For those who spend regularly on commute, fuel, food, or groceries, the Citi Cash Back Card is an attractive choice, especially for new cardholders seeking excellent sign-up rewards.
Be sure to hit the S$800 monthly spend to unlock the best cashback rates. This flexible and globally accepted card is well-suited to most Singaporeans’ daily habits.
