Want a cashback credit card that lets you rack up rewards on groceries and more? Take your pick from Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card.
Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card are high cashback credit cards you wouldn’t want to miss considering how rewarding they can be. Besides dishing out generous cashback on essentials like groceries, depending on which credit card you hold, you can also look forward to earning high cashback on common categories like dining, food deliveries, petrol, online shopping and more.
While they may seem similar at first glance, Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card aren’t duplicates of each other. Read on to find out more about them, what they have to offer and which one could be the right one for you.
- Similarities between these cashback cards
- Comparison #1: Cashback workings
- Comparison #2: Cashback cap
- Comparison #3: Annual fee waiver
- Comparison #4: Extra perks
- Conclusion: Which one should you choose?
Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature Card
| Credit card | Key benefits |
| Maybank Family & Friends Card | 8% cash rebates on groceries 8% cash rebates on dining and food deliveries, transport, retail and pets, data communication & online TV streaming, online fashion, entertainment, pharmacy and wellness |
| Citi Cash Back | 8% cashback on groceries 8% cashback on petrol and 6% cashback on dining |
| CIMB Visa Signature Card | 10% cashback on groceries 10% cashback on online shopping, beauty/wellness, pet shops/veterinary services and cruises |
What these cashback credit cards have in common
Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card offer higher-than-usual cashback if you are able to chalk up a minimum spend of S$800 per month.
These three cashback credit cards are great for grocery shopping (and more!) and they only require cardmembers to have a minimum annual income of S$30,000.
How these cashback credit cards differ
Comparison #1: Cashback workings
| Maybank Family & Friends Card | Citi Cash Back | CIMB Visa Signature Card | |
| Cashback workings | 8% cash rebates on groceries, dining and food deliveries, transport, retail and pets, data communication & online TV streaming, online fashion, entertainment, pharmacy and wellness — simply pick five of your preferred categories Unlimited 0.3% cash rebates on all other spend |
8% cashback on grocery shopping, both online and at major supermarkets 8% cashback on petrol spending (up to 20.88% savings at Esso and Shell) 6% cashback on dining at restaurants, cafes, fast food eateries, and caterers Unlimited 0.25% cashback on other spend |
10% cashback on groceries, online shopping, beauty/wellness, pet shops/veterinary services and cruises Unlimited 0.2% cashback on other spend |
Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card offer generous cashback on essentials like groceries and more. If you drive or dine out a lot, definitely consider going for Maybank Family & Friends Card or Citi Cash Back to boost the overall cashback you can potentially earn.
The CIMB Visa Signature Card is a good option if you tend to spend a fairly equal amount across those five categories.
Comparison #2: Cashback cap
| Maybank Family & Friends Card | Citi Cash Back | CIMB Visa Signature Card | |
| Cashback cap | S$125 per calendar month; split into S$25 per category | S$80 per statement month | S$100 per statement month; split into S$20 per category |
A cashback cap is a common feature across credit cards that offer generous cashback. In this Maybank Family & Friends Card vs Citi Cash Back vs CIMB Visa Signature comparison, the more fussy cards are, of course, the Maybank Family & Friends Card and CIMB Visa Signature Card.
For these two cards, you’re required to plan and track your purchases if you want to maximise your cashback every month.
Comparison #3: Annual fee waiver
| Maybank Family & Friends Card | Citi Cash Back | CIMB Visa Signature Card | |
| Annual fee waiver | Three years waiver | First year waiver | Free for life |
CIMB Visa Signature Card lets you enjoy all the perks without having you bother about annual fees at all. Which card comes with free supplementary cards? Maybank Family & Friends Card lets you enjoy a free supplementary card while CIMB Visa Signature offers cardmembers up to four free supplementary CIMB credit cards.
Comparison #4: Extra perks
| Maybank Family & Friends Card | Citi Cash Back | CIMB Visa Signature Card | |
| Extra perks | Maybank retail, dining and lifestyle promotions 3X interest on your child's savings with Maybank Family Plus |
Up to S$1 million coverage when you charge your travel tickets to the card Citi World Privileges: Get dining, lifestyle, travel and shopping deals locally and in 95 other countries |
CIMB dining, retail and lifestyle offers across Singapore, Malaysia and Indonesia Transit with ease with SimplyGo Complimentary travel insurance of up to S$500,000 for you and your family when you charge your full travel fares to the card Access to Visa Signature Concierge |
Each card offers different extra benefits. If you enjoy travelling during normal times, the free travel insurance coverage that comes with Citi Cash Back and CIMB Visa Signature Card could be particularly enticing.
Conclusion: Which one should you choose?
Maybank Family & Friends Card, Citi Cash Back and CIMB Visa Signature Card let cardmembers rack up cashback quickly thanks to their generous cashback rates. If a large chunk of your expenses goes to things like groceries, petrol, dining or food deliveries, definitely take advantage of what these cashback credit cards have to offer.
Choose Maybank Family & Friends Card: If you are all about chalking up cashback, this card is potentially the most generous. It lets you earn up to S$125 per calendar month on the 8% categories, and unlimited 0.3% on all other spend. However, keep in mind that a cap of S$25 per category applies.
SingSaver Exclusive Offer: Receive an Apple AirPods (3rd Gen) With Magsafe Charging Case (worth S$274) or a Xiaomi Smart Air Purifier 4 EU (worth S$275) or S$180 eCapitaVoucher upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. All applicants must provide marketing consent. Valid till 16 August 2024. T&Cs apply.
Choose Citi Cash Back: If your expenses mainly revolve around groceries, petrol and dining, Citi Cash Back is one to have in your pocket. It's nice to note that Citi Cash Back's cap of S$80 per statement month applies across categories, so it doesn't matter if you spend more on a specific category.
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 Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or 21K Heymax Miles or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
Get an additional S$100 eCapitaVoucher when you simultaneously open a Citi Citigold Account. Valid until 31 July 2024. T&Cs apply.
*📣For Citi Prestige Card: Get a Samsonite Straren Spinner 67/24 + 2X AirTag (worth S$690.80) or a Dyson TP10 (worth S$599) or 18K Heymax Miles (worth S$300) or S$320 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. This card is exclusively available on SingSaver. Valid until 31 July 2024. T&Cs apply.
*📣ONLY AVAILABLE ON SINGSAVER📣
Other Citi Credit Cards: Receive an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or S$300 Cash + $150 Shopee Vouchers upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 July 2024. T&Cs apply.
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⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$100. Valid till 31 July 2024. T&Cs apply.
- S$100 for an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529)
- 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)
Choose CIMB Visa Signature Card: This card is ideal if you regularly spend across categories like groceries, online shopping, beauty and wellness (e.g. pharmacies, cosmetic stores, spas), and pet shops and veterinary services.
How to maximise the 10% cashback you can earn monthly? Ensure you’re spending a fairly equal amount on each category (i.e. at most S$200 per category). This card has no annual fees yet offers complimentary travel insurance of up to S$500,000 for you and your family when you charge your full travel fares to the card!
Read these next:
Best Cashback Credit Cards In Singapore
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Credit Card Comparison: Amex True Cashback vs Citi Cash Back+ vs SCB Unlimited
Credit Card Comparison: Citi Rewards vs OCBC Titanium vs HSBC Revolution
Credit Card Comparison: POSB Everyday vs Citi Cash Back vs OCBC 365
Best Citibank Credit Cards in Singapore
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