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Credit Card Combo: Why You Should Pair Citi Cash Back & Amex True Cashback

Denise Bay

Denise Bay

Last updated 23 April, 2021

Keen on bumping up the cashback you could earn on literally everything you purchase? Consider making Citi Cash Back and Amex True Cashback your wallet’s new best friends.

There are splendid reasons why Citi Cash Back and Amex True Cashback are some of the most popular cashback credit cards around. Not only are their cashback mechanics straightforward enough for someone who’s new-ish to the world of credit cards, but also they can be incredibly rewarding if you play your cards right. 

Interested to learn more about how you can maximise your cashback with this particular credit card combo? Read on.

Citi Cash Back 

If you have a family to support, Citi Cash Back could very well be the secret to making your cashback stash grow fast. Here’s a quick rundown of what this card has to offer: 

  • 6% cashback on dining at restaurants, cafes, fast food eateries, and caterers
  • 8% cashback on grocery shopping, both online and at major supermarkets
  • Up to 20.88% savings at Esso and Shell, inclusive of 8% cashback for petrol spending
  • 0.25% cashback for all other spending, even if you do not meet the minimum monthly spend
  • Up to S$1 million travel insurance coverage when you charge your travel tickets to this card

While you will have to spend a minimum of S$800 monthly in order to earn the advertised high cashback on your purchases, charging everything from dining and groceries to petrol should make this task achievable. 

Besides, it helps that you aren’t restricted to only certain dining establishments, supermarkets or petrol kiosks. You have the freedom to dine, do your grocery shopping or pump petrol wherever you fancy (both locally and abroad) — all while knowing those well-deserved, expiry-free cashback rewards are yours to keep. 

Bear in mind that Citi Cash Back has a monthly combined cashback cap of S$80 per statement month. Take this into account when you’re tracking your expenses and crunching numbers over your earned cashback. 


⚡Flash Deal⚡: Be one of the first 500 applicants to get a PlayStation 5 Disc Version (worth S$799) or Dyson Airwrap (worth S$859) or S$500 ecapitaVoucher when you apply for a Citi Card and spend a minimum of S$500 within 30 days of card approval. Remaining applicants will enjoy existing rewards. Applicable to new-to-Citibank cardmembers only. Promo runs from 9 April, 9AM SGT - 2 May 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Credit Card:


Citi PremierMiles Card: Receive an Apple iPad 10th Gen Wifi 64GB (worth S$691.60) or Dyson Supersonic (worth S$699) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.


Other Citi Credit Cards: Receive a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 April 2024. T&Cs apply.

Amex True Cashback 

The Amex True Cashback is often the go-to cashback credit card for those looking to earn fuss-free, straightforward cashback rewards on anything and everything they spend on. The best part? No minimum spend and no cashback cap. 

Here’s a quick look at what this card has to offer: 

  • 1.5% cashback on all eligible spend
  • 3% cashback on first S$5,000 spent within the first 6 months
  • Register your card annually to enjoy additional 1% cashback on foreign currency purchases. Valid till 30 June 2021
  • Free travel insurance coverage of up to S$350,000 when you purchase your travel ticket with this card
  • True Love Weddings: Enjoy an exclusive 5% off new wedding packages at selected venues

Thanks to Amex’s thoughtfulness, there’s absolutely no need to jump through hoops just to enjoy your cashback: you will receive your cashback in the same statement month automatically. 


⚡Flash Deal⚡: For a limited time only, receive an upsized S$200 Cash via PayNow when you apply for an Amex True Cashback Card and make a min. $500 spend within 1 month of Card approval. Available to new-to-American-Express card members only. Valid until 21 Apr 2024. T&Cs apply.

Apply for AMEX True Cashback Card

Why cashback chasers should consider this card combination

The proposition to pair Citi Cash Back and Amex True Cashback is not unfounded. This is especially true if you’re serious about chalking up cashback rewards on your expenses. 

While Citi Cash Back is great for covering the dining, groceries and petrol grounds, Amex True Cashback is a fantastic backup cashback card to have on hand. You can utilise the latter to supplement cashback earnings on purchases that don’t fall under Citi Cash Back’s dining, groceries and petrol categories. 

That’s not all. You can even earn cashback on bills when you make payment using Amex True Cashback, no additional fees or charges attached. This is a definite standout feature that’s seriously hard to beat. 

Both Citi Cash Back and Amex True Cashback are accessible, too. They only require applicants to have a minimum annual income of at least S$30,000. This makes them suitable even for those who have just stepped into the working world and, of course, those who want to get more out of their credit cards. 

Read these next:
Top Credit Card Promotions And Deals On SingSaver
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Best Bill & Tax Payment Services That Still Earn You Rewards & Miles In Singapore
Credit Card Comparison: Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature Card
What Really Happens If You Skip Credit Card Bills, Loan & BNPL Payments

While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.


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