• Min. Monthly Income


  • Interest Rate

    26% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • 8% cash back on groceries globally every day
  • 8% cash back on dining daily, globally
  • Over 20% petrol savings
  • *Formally known as Citibank DIVIDEND Card


Enjoy 20% Cash Back on Grab Rides & Up to S$120 Cash Back + 7 Free Grab Rides!

  • Get 20% cash back on Grab rides until 6th July!
  • Spend at least S$200 each month and earn S$20 Cash Back for 6 months
  • Enjoy 7 Grab voucher codes worth S$10 each when your card application approved


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


  • Enjoy 8% cash back on dining daily worldwide
  • Citi Rebate of up to 10% with participating restaurants


  • 8% cash back on groceries spend globally every single day


  • Complimentary travel insurance
  • Enjoy 20% cash back on all Grab rides (Valid till 6th July)
  • From 7 July 2017 onwards, get 8% cash back on all Grab rides


  • Up to 10% Citi rebate at over 500 merchant outlets
  • 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


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6% of the amount withdrawn or S$15, whichever is higher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Finance charges of 26% p.a. subject to compounding on the amount withdrawn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


Product Review by iMoney Singapore

The Thoughtful Card

Citi Cash Back Card is an ideal card for all drivers and non-drivers out there! 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 additional 19.75% cash back on Grab rides from 7 April to 6 July 2017, which is capped at S$50 per statement month. Additional 7.75% cash back on Dining, Groceries and Petrol spend is capped at S$25 cash back per category per statement month.

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 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!