Are you a strong proponent of cashback? With an abundance of cashback credit cards on the market, it can be overwhelming to pick the best one that suits your spending habits.

In particular, Citi Cash Back and Citi Cash Back+ Cards are great options – offering up to 8% cashback on select everyday purchases and unlimited 1.6% cashback, respectively. But then begs the question: how can you redeem said Citi cashback and for what rewards?

Take advantage of our exciting Citi credit card sign-up rewards on SingSaver today and let us guide you on how to redeem your cashback for rewards and rebates thereafter. 😉

In general, credit card cashback is earned by meeting a minimum spend requirement on eligible spend such as dining, groceries, retail, and more. Conversely for unlimited cashback cards, you can earn cashback on almost all spend unless stated otherwise. Thereafter, the cashback can be used to offset your current or next month's credit card bill.

Manual cashback redemption

Albeit straightforward, Citibank's cash back programme functions a bit differently from other credit card's. Despite the cashback being automatically credited to your Citibank card account, it cannot be automatically redeemed as cash rebates. This has to be redeemed manually.

However, this could be advantageous to those who wish to strategically offset their bills. For instance, if you have big-ticket purchase upcoming and would like to "soften the blow" of the expense, you may choose to offset that month's bill instead.

Redemption blocks

Secondly, Citibank cash back can only be redeemed in minimum blocks of S$10 and up to S$50 cash rebates at a time. As a result of the former, this may result in a potential problem of idle cashback locked in your card account until you accumulate enough to redeem.

While this isn't a huge concern, this may be slightly frustrating if you wish to cancel your Citi card but still have remaining cashback "stuck" in your account.

You can refer to your monthly statement for cashback earned under "Total Available" or in the post log found in the Citi mobile app, with the cashback displayed at the top of the dashboard. 

As seen in the above example, the Citi cashback earned on the Citi Cash Back Card is prominently displayed as a top banner on the homepage dashboard. Upon clicking on it, you'll be redirected to further action prompts for cashback redemption. 

Citibank cash back can be redeemed in two ways:

• Cash rebate via online

• Cash rebate via SMS

Cash rebate via online	Cash rebate via SMS
Step #1: Login to the Citi Mobile app > Tap on "Rewards Balance" on top of screen > Open "Rewards Dashboard"	Step #1: SMS to 72484: RWDS<space>Last 4 digits of card number<space><keyword>
Step #2: Tap on "Cash Rebate"	Step #2: Congrats! You've successfully redeemed your cash rebate and it'll be reflected in your next month's statement
Step #3: Key in desired amount / Use slider to select amount of Cash Rebate to redeem
Step #4: Congrats! You've successfully redeemed your cash rebate and it'll be reflected in your next month's statement

Conversion rate
S$1 Citi cash back = S$1 Citi cash rebate

You have the flexibility to redeem your Citibank cash back for cash rebate through either method, based on whichever's more convenient or intuitive for you.