Citibank Cash Back Card Review (2020)

8% cashback across dining, petrol and groceries
SingSaver Exclusive: Apply and get S$200 cash via PayNow, only on SingSaver!


  • 8% cashback rate on worldwide dining, as well as groceries and petrol categories
  • Fuel savings of up to 20.88% at Esso & Shell
  • Access to both local and international deals under Citi World Privileges


  • Cashback cap of S$25 per category (max. S$75 for the 8% cashback)
  • Cashback credited to your account only after you’ve chalked up S$50 of cashback
Summary of Product
Highest Cashback Rate: 8%
Minimum Monthly spend: S$888
Annual Income Requirement: S$30,000 (Singaporeans/PR), S$42,000 (Foreigners)
Minimum Age: 21
Annual Fee (Waiver): S$192.60 (First year waived)
Sign-up promotion: New customers get a pair of free Airpods Pro worth S$379, existing customers get S$30 via PayNow

Table of Content

Why you should choose Citibank Cash Back Card

It’s a foodie’s best friend
The Citibank Cash Back Card offers an attractive 8% cashback on your dining bills at cafes, restaurants and bars, in Singapore and overseas. This also applies for online food deliveries from the likes of Deliveroo and foodpanda.
More motivation for grocery runs
If you find yourself the designated grocery runner, get Citi Cash Back Card’s 8% cashback off your grocery spend at NTUC FairPrice or Cold Storage while at it.  (Pro tip: keep your grocery spend to no more than S$312 over the S$25 cap for this category) 
Your average monthly credit card spend is above S$888
As luck would have it, you’ll be maximising your cashback gains from the Citi Cash Back card if your lifestyle expenditure is already falling under dining, groceries and petrol. Each category rewards up to S$25 in cashback, with S$75 cashback being the total maximum for each month. 

Who can apply?

Age Eligibility At least 21 years of age
Annual Income Eligibility Singaporeans/PRs: S$30,000 Foreigners: S$42,000

What charges or fees should you look out for?

Annual Fees S$192.60 (first year waived)
Late Payment Charge $100
Interest on Purchases 26.9% per annum subjected to compounding if full payment is not made by payment due date
Interest on Cash Advance 26.9% per annum compounded daily on the amount withdrawn from the transaction date until the date that full payment is made

How to apply?

Decided to pick this card up? Click on the “Apply Now” button and complete the application form on SingSaver. Note that you will need to prepare the following documents.
Salaried employees Past 12 months' CPF statement (if Singaporean/PR); OR Latest Income Tax Notice of Assessment; OR Latest original computerised payslip
Self-employed Latest Income Tax Notice of Assessment and last 3 months bank statements
All Applicants Front and back of NRIC/Passport/Employment Pass

Other Cashback Cards to consider:

Daunted by the minimum spend or looking to compare it with another cash back card? No minimum spend cashback card: Standard Chartered Unlimited Credit Card Shopping Credit Card: UOB YOLO Card Dining Credit Card: OCBC FRANK Credit Card
Looking for other credit cards? Check out the Best Credit Cards in Singapore 2020.