Bankguru | Compare Credit Cards, Loans, Insurance & Fixed Deposit Rates in Singapore

Promotions

Get 5% Cash Back with Apple Pay

Get S$120 Cashback

Cash back awarded in denominations of S$20 with minimum spend of S$200 each month
Valid for applicants who do not have an existing Citi Credit Card account

Key features

8% cash back awarded on Dining, Grab Rides, Petrol & Groceries daily. Cash back awarded is capped at S$25 per category, per month.
5% Cash Back per S$1 spent with your Citi Card on ApplePay, excluding Petrol, Groceries, and Dining merchants, capped at S$25/statement month, valid till 31 Jul 2018
Up to 20.88% savings at Esso and Shell, and 8% Cash Back at other petrol stations
Enjoy 8% cash back with a minimum total retail spend of S$888 per statement month.
For retail spend less than S$888, 0.25% cash back awarded for all categories of spend. No cash back cap
For all other retail spend categories, 0.25% cash back is awarded. No cash back cap on these categories

Cash Back

Excellent

8% cash back at food & beverage outlets, supermarkets, food & groceries delivery (including Deliveroo, honestbee, RedMart) and Grab rides globally
5% Cash Back per S$1 spent with your Citi Card on ApplePay, excluding Petrol, Groceries, and Dining merchants, capped at S$25/statement month, valid till 31 Jul 2018
Up to 20.88% at Esso and Shell, and 8% Cash Back at other petrol stations
Total minimum retail spend of S$888/statement month, 8% cash back capped at S$25 per category (Dining, Grab rides valid till 30 June 2018, Groceries, Petrol).
For retail spend less than S$888 and/or other retail spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned

Petrol

Excellent

Best for: Petrol transactions at Esso & Shell

Up to 20.88% discount at Esso Stations: 5% Esso site discount + 5% Smiles card discount + 4% Citi Card discount + 8% Citi Cash Back Card cash back* (applies after Esso discount)
Up to 20.88% discount at Shell stations: 5% Shell site discount + 5% Shell Escape discount + 4% Citi Card discount + 8% Citi Cash Back Card cash back* (applies after Shell discount)
*Additional 8% cash back on petrol worldwide applies with a minimum retail spend of S$888/statement month on the Citi Cash Back Card, 8% cash back capped at S$25 per category (Dining, Grab rides valid till 6 Apr 2018, Groceries, Petrol). For retail spend less than S$888 and/or other retail spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned

Grocery

Excellent

Supports all retail grocery stores & selected online stores (Deliveroo, honestbee, RedMart)

8% cash back at supermarkets & grocery stores worldwide
8% cash back also applicable for food & groceries delivery (including Deliveroo, honestbee, RedMart)
Total minimum retail spend of S$888/statement month, 8% cash back capped at S$25 per category (Dining, Groceries, Petrol).
For retail spend less than S$888 and/or other retail spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned

Dining

Excellent

Supports all restaurants, cafes, bars & food delivery services (Deliveroo, honestbee, RedMart)

8% cash back on your dining spends globally
8% cash back also applicable for food & groceries delivery (including Deliveroo, honestbee, RedMart)
Exclusive dining deals with Citi Gourmet Pleasures at top restaurants such as Kuro Restaurant & Bar, Skyve Wine Bistro and more
Total minimum retail spend of S$888/statement month, 8% cash back capped at S$25 per category (Dining, Grab rides valid till 6 Apr 2018, Groceries, Petrol).
For retail spend less than S$888 and/or other retail spends, 0.25% cash back is awarded, no cap on 0.25% cash back earned

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	First year fee waived for Principal and two (2) Supplementary cards
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	1% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.80%
Foreign Check Fee	N.A.
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	$40

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$42,000

Other
Card Association	MasterCard, Visa
Wireless Payment	Visa payWave, MasterCard PayPass, Samsung Pay, Citi Pay

Citi Cash Back Card