Citi Cash Back Card
- APR
- 27.9% – 27.9%
- Annual Fee
- $196.20
- Rewards
- Up to 8.0%
- Sign-Up Bonus
- $300
You'll be redirected to www1.citibank.com.sg
Our Verdict
The Citi Cash Back Card is a strong contender for those who spend heavily on petrol, dining, and groceries, especially with its high cashback rates.
Pros
- Up to 8% cashback on petrol and private commute
- 6% cashback on dining and groceries with S$800 spend
- First year annual fee waived
- S$300 sign-up bonus for new cardmembers
- User-friendly mobile app for tracking rewards
Cons
- Capped at S$80 total cashback per month
- Base cashback of only 0.2% on all purchases
- High spending requirement to unlock top cashback rates
- Annual fee of S$196.20 after the first year
- Limited to specific spending categories
Our editorial team evaluated the Citi Cash Back Card and found its cashback rates particularly appealing for those who frequently spend on petrol and dining. With up to 8% cashback on petrol and private commute, this card suits drivers well, especially in a city like Singapore where fuel prices can be high. Additionally, achieving 6% cashback on groceries and dining with a monthly spend of S$800 can significantly enhance savings for regular shoppers and foodies.
However, the base cashback rate of only 0.2% on all other purchases is a drawback, making it less attractive for those who spend outside these categories. The total cashback is capped at S$80 per month, which may limit rewards for high spenders. The annual fee of S$196.20 after the first year is noteworthy, especially if you aren't maximising the cashback opportunities.
In comparison to alternatives like the DBS Live Fresh Card, which offers a more diverse cashback structure, the Citi Cash Back Card focuses narrowly on specific categories. Users should also consider the user experience; the Citi app is generally well-received for tracking rewards, but some customers report delays in customer service responses. According to the issuer's site (https://www1.citibank.com.sg/credit-cards/cashback/citi-cash-back-card/), the initial sign-up bonus of S$300 adds extra value for new cardmembers, provided they meet the qualifying spend in the first two months.
Ultimately, the Citi Cash Back Card is best for those who can consistently reach the S$800 spending threshold and want to earn significant cashback on their primary expenses. For casual users or those with varied spending habits, other cashback cards may offer better overall value.
Watch Out
Be mindful of the high spending threshold to earn maximum cashback; low spenders may not benefit as much.
Best For
This card is ideal for frequent drivers and diners looking to maximise cashback on their everyday spending.
You'll be redirected to www1.citibank.com.sg
