Citi
Get up to 8% cash back; minimum S$800 spend per statement month; basic fee S$196.20 (first year waived); welcome gift S$300 cash back!
The Citi Cash Back Card is a strong choice for everyday spenders in Singapore. Currently, new cardmembers can receive a welcome gift of S$300 cash back, which boosts its appeal for applicants. With this card, you can earn up to 8% cash back, provided you spend at least S$800 in a statement month. The main categories include private commute, petrol, dining, and groceries, all covered both locally and globally. The annual fee is S$196.20, but it’s waived for the first year. Cash back is capped at S$80 per statement month, with a minimum income requirement of S$30,000 for Singaporeans/PRs or S$42,000 for foreigners. Interest rates are standard for this category, so responsible usage is recommended.
How to Apply for Citi Cash Back Card
- Meet age, income, and residency criteria (age 21+, minimum income needed)
- Fill out the online application, best with Singpass for the fastest process
- If you’re eligible, submit your NRIC/passport and latest income documents
- Receive your card approval and activate your new card using Citi Mobile App
Citi Cash Back Card Strengths
The Citi Cash Back Card is ideal for people who spend regularly on private transportation, groceries, and dining out. The global cash back coverage adds extra value for frequent travellers or those who shop overseas.
Additionally, the card offers convenient features like PayLite and FlexiBill for payment flexibility, as well as Citi World Privileges for extra deals and discounts in Singapore.
Citi Cash Back Card Weaknesses
The total monthly cash back cap of S$80 could be limiting for big spenders. If you do not reach the minimum spend of S$800, the effective benefits are significantly reduced.
A fee applies after the first year, so you’ll need to evaluate if the cash back justifies the cost beyond the first year.
Final Verdict
The Citi Cash Back Card offers an impressive cash back rate for those who can consistently meet the monthly spend requirement. The S$300 welcome cash back and global reward coverage further strengthens its position. Overall, the card is well-suited for regular spenders who want to maximise returns on everyday purchases.
