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.
SingSaver Mystery Giveaway: Get a chance to win the latest iPhone 16 or Jay Chou VIP suite experience tickets when you apply for select credit cards on top of existing SingSaver Exclusive Offer. Valid till 30 September 2024. T&Cs apply.
SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:
*📣For Citi PremierMiles Card: Receive a Dyson Supersonic (worth S$649) or a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$450 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid until 30 September 2024. T&Cs apply.
Get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 30 September 2024. T&Cs apply.
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*📣For Citi Prestige Card: Get a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or 18K Heymax Miles (worth S$300) or S$350 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid until 30 September 2024. T&Cs apply.
*📣ONLY AVAILABLE ON SINGSAVER📣
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Other Citi Credit Cards: Receive a Dyson Supersonic (worth S$649) or a Dyson Micro 1.5kg Vacuum (worth S$599) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 September 2024. T&Cs apply.
For Citi SMRT Card and Citi M1 Platinum Visa Card: Receive a Dyson Micro 1.5kg Vacuum (worth S$599) or an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30) or S$350 Shopee Vouchers upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid until 30 September 2024. T&Cs apply.
⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$200. Valid until 30 September 2024. T&Cs apply.
- S$200 for an Apple Watch Series 9 (GPS) 41mm (worth S$604.50)
- S$800 for an Apple Watch Ultra 2 GPS + Cellular 49mm (worth S$1,210.10)
- S$980 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
- S$1,200 for an Apple iPhone 15 Pro 128GB (worth $1,664.25)
- S$1,786 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth $2,128.00)
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.
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:
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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
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