• Min. Monthly Income

    $2,500

  • Interest Rate

    26% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    $192.6

Featured Highlights
  • 8% cash back on groceries globally
  • 8% cash back on dining globally
  • 8% cash back on Grab rides all year long
  • Up to 20.88% fuel savings
Petrol
8.5/10
Dining
10/10
Groceries
8.5/10
Travel
8/10
Shopping
8/10

Promotion

Welcome Offer: Enjoy S$120 Cash Back

  • Receive S$20 cash back for 6 consecutive months with minimum spending of S$200 each month
  • Eligible for new cardmembers only
  • Valid until 30 June 2018

Petrol

  • Up to 20.88% savings on petrol with Esso & Shell
  • 8% cash back for any other petrol stations

Dining

  • 8% cash back on dining daily globally (Delivery counts too! (except UberEATS))

Groceries

  • 8% cash back on groceries spend daily globally (Delivery counts too!)

Travel

  • 8% cash back on all Grab rides
  • Complimentary travel insurance

Shopping

  • 5% cash back on online shipping fee via Citi Globeshopper
  • 0.25% cash back on all shopping spend

Other Features

  • 0.25% cash back on all other retail spend, no cap
  • Cash Back earned never expires

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

S$80

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6% of the amount withdrawn or S$15, whichever is higher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Finance charges of 26% p.a. subject to compounding on the amount withdrawn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

$50 per statement month for 20% cash back on Grab, $25 per statement month for 8% categories

Rewards points expiry

N/A

Product Review by iMoney Singapore

The Thoughtful Card

Citi Cash Back Card is an ideal card for everyone! You will get to enjoy discounts of up to 20.88% at Shell and Esso petrol stations. For other petrol stations, you will get to earn up to 8% of savings. You will also receive cash back of 0.25% on all retail purchases, and additional cash back of 7.75% on all Dining, Grab rides, Groceries and Petrol transactions worldwide if your total retail spend of S$888 or more in a statement month. Also, you will receive 8% cash back on all Grab rides. Additional 7.75% cash back on Dining, Groceries and Petrol spend is capped at S$25 cash back per category per statement month.

Apply for Citi Cash Back card today and receive S$120 cash back. New cardmembers can enjoy cash back awarded in denominations of S$20 with minimum spend of S$200 each month for 6 consecutive months. Promotion valid from 1 July 2017 to 30 June 2018.

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 this rate if you never failed on making payment promptly, or less than 50% of your outstanding balance for 12 consecutive months. If cardmember failed to make payment 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 Citi Cash Back Card?

To apply for Citi 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 Citi 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 Citi credit cards and start comparing today!