Citi Cash Back Mastercard®: review

When it comes to cash back cards, the Citi Cash Back card is one of the best card you can get. The card promises cardholders a cashback of up to 8.0% on dining, groceries and petrol with a minimum total spend of $888 each month.

If you spend less than S$800, you will still continue to earn 0.25% cash back on your retail purchases. The total cash back you can earn is capped at S$80 combined across all retail spend per statement month.

Pros & Cons

Pros

• Get deals and discounts locally & in 95 other countries
• Turn your big purchases into small payments with Citi Cash Back Cards
• Convert your credit card statement retail balance into installments
• Instant cash to get things done right away
• Receive 12% cashback credited through Crystal Jade Jadeite Membership
• Get accumulative S$120 bonus cash for the 3rd and 5th referral, and S$240 for the 9th referral onwards (capped at S$1,200)
• Up to 8% cash back on Groceries, Petrol and Dining daily, worldwide.
• Up to 20.88% fuel savings^ at Esso & Shell.
• Refer a friend and be rewarded with S$120 Cash!

Cons

• Minimum income
• High annual fee

Rates, fees & offers

• Annual fee: $120 (main card); $60 (supplementary card)
• Bonus offer: Welcome gift of S$120 cash back* as you spend
• Intro APR: 20 days of interest free period
• Ongoing APR
  APR: 18% per annum subjected to compounding if full payment is not made by payment due date
  Cash Advance APR: 18% per annum compounded daily on the amount withdrawn from the transaction date until the date that full payment is made
• Foreign transaction fee: 3.25%

Review

Cash Back

• 10% cashback on petrol transactions: when your total retail spend reached more than $500 in a month
• 6% cash back: on Dining at restaurants and cafes daily, worldwide
• 8% cash back: on Groceries at supermarkets and grocery stores daily, worldwide
• 0.25% cashback: on all retail purchases
• Accumulate Your Cash Back: Your cash back earned never expires

Enjoy $50 Cashback Every Month

Get up to $50 savings every month (or $600 in a year) on your credit card spending with Citi Cash Back Credit Card.

All you need to do to earn $10 cashback is to accumulate a total retail spend of $500 and above on your cashback credit card.

Once your total credit card spending have hit the minimum $500 mark, you will get 10% cashback on each category. 

Citi Privileges

• Citi World Privileges: Get deals and discounts locally & in 95 other countries
• Citi PayLite: Turn your big purchases into small payments with Citi Cash Back Cards
• Citi FlexiBill: Convert your credit card statement retail balance into installments
• Citi Quick Cash: Instant cash to get things done right away

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

• Social Security Number
• Gross income
• Employer name (if applicable)
• Rent/mortgage amount

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