• Min. Monthly Income


  • Interest Rate

    26.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Apply for Citi Cash Back Card and get up to $120 cash back as you spend! T&Cs apply.
  • 8% cash back on Dining, Groceries, and Petrol everyday globally
  • 0.25% cash back on other retail spend categories with no cap
  • Up to 20.88% fuel savings at Esso & Shell


Welcome Gift: Get S$120 Cash Back When You Spend!

  • Simply spend S$1,200 in the first 3 months and you will receive S$120 cash back
  • Applicable for new customers only
  • Promotion end 31 December 2019


  • 8% cash back at restaurants and cafes worldwide


  • Complimentary travel insurance when you charge your air tickets to your Citi Cash Back Card


  • 8% cash back on supermarkets and grocery stores worldwide


  • Up to 20.88% fuel savings at Esso & Shell
  • 8% cash back at other petrol stations worldwide


  • 0.25% cash back on all shopping spend (no cash back cap)

Other Features

  • To qualify for additional 7.75% cash back, minimum monthly retail spend requirement is S$888.
  • Additional 7.75% cash back is capped at S$25 per category per month
  • No cash back cap for 0.25% cash back on all retail spend
  • Cash back earned never expires

Card Information

Annual Fee $192.60 (First year annual fee waived)
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder $96.30
Finance charges 26.9% p.a. - prevailing interest rate

20.9% p.a. - promotional rate provided that account is in good conduct

29.9% p.a – in the event of past due in the current month

S$3 - if outstanding balance is below S$3

3.25% - Foreign Currency Transaction fee

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6% of the amount withdrawn or S$15, whichever is higher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Finance charges of 26.9% p.a. subject to compounding on the amount withdrawn

Cashback Limit

S$25 per statement month for 20% cash back on UberEATS, S$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 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, Groceries and Petrol transactions worldwide if your total retail spend of S$888 or more in a 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 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$100. 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$50 or 1% of current balance plus 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 Standard Chartered Unlimited Cashback 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!