• Min. Monthly Income


  • Interest Rate

    25% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 8% cash back on groceries globally
  • 8% cash back on dining locally and overseas
  • Up to 20.88% petrol savings
  • *Formally known as Citibank DIVIDEND Card


Receive up to S$120 Cash back when you sign-up now!

  • Spend at least S$200 each month and earn S$20 cash back for 6 months
  • Open for new-to-bank customers only
  • Promotions ends on 30 June 2017


  • Save up to 20.88% on petrol with Esso
  • Up to 20.88% savings on petrol with Shell
  • 8% cash back for any others petrol stations


  • Up to 8% cash back on top of all dining discounts and privileges locally and overseas
  • Citi rebates of up to 10% with participating restaurants


  • Up to 8% cash back on groceries spend globally


  • Complimentary travel insurance
  • Complimentary use of JetQuay Quayside single trip service (Valid of Citi Cash Back World MasterCard only)


  • Up to 10% rebate at over 700 merchant outlets
  • 5% cash back on online shipping fee
  • 0.25% cash back on all shopping spend

Other Features

  • 10 free ERP gantries with EZ-Pay
  • Exclusive discounts with Cathay Cineplex (valid for Citi Cash Back World MasterCard only)

Card Information

Annual Fee $192.6 (First year annual fee waived)
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder 96.30
Finance charges S$3 or;

20% p.a. - prompt payment for 12 consecutive months

26% p.a. - prompt payment for at least 10 out of 12 months

29% p.a – if any of the above are not met

Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to available credit limit

Cash advance charge

6% of the amount withdrawn or S$15, whichever is higher

Cash advance interest charge

Finance charges of 26% p.a. subject to compounding on the amount withdrawn

Cashback Limit

Up to $50 for Petrol, Groceries, Dining per month, $25 for others.

Rewards points expiry


Product Review by iMoney Singapore

The Thoughtful Card

Citibank Cash Back Card is an ideal card for all drivers out there! You will get to enjoy discounts of up to 20.88% at Esso petrol stations, and up to 20.88% at Shell petrol stations. For other petrol stations, you will get to earn up to 8% of savings. Other than spending on petrol, this card also comes with 8% cash back on all grocery stores and supermarkets worldwide and 8% cash back on dining for all restaurants, cafes, and food and beverages outlets globally. Other than that, you may enjoy 0.25% on all other retail spending. What’s more about this card? What about earning while spending? Once you accumulate $50 or more cash back in a month, it will be automatically credited in your statement plus your cash back will never expire.

Fees and Charges

Annual fee for principal card and supplementary card is S$192.60 and S$96.30 respectively. Annual fee waiver is given to principal card and first two supplementary cards for the first year of subscription. Interest rates for outstanding balances are divided into 3 tiers, with minimum interest charge of S$3. The lowest interest rate is 20% per annum, you will get to enjoy this rate if you never failed on making payment promptly, or less than 50% of your outstanding balance for 12 consecutive months. If you missed paying promptly by 1 or 2 months, your interest rate on your outstanding balance will be 26% per annum. If you did not meet the first two requirements, your interest charge will be 29% per annum for your outstanding balance. Late payment charge is S$60. As for cash advance, you will be charged for either S$15 or 6% of amount withdrawn, whichever is higher. Minimum monthly payment is S$25 or 1% of current balance+ 1% outstanding balance, whichever is greater.

Are You Eligible For Citibank Cash Back Card?

To apply Citibank Cash Back Card, your monthly income must at least S$2,500 (for Singaporeans and Singapore permanent residents); S$3,500 (for foreigners). Minimum age for principal and supplementary card applicants is age 21 and above, and age 18 and above, respectively.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citibank Rewards Card and ANZ Optimum World MasterCard Credit Card, which may match your requirements. If you prefer to broaden your credit card search, review more Citibank credit cards and start comparing today!