Citi Cashback Credit Card

Last updated:May 2019
Offers
Benefits
Eligibility
APR/ FEES

Offers

Exclusive Offer

from SingSaver

OFFER 1

Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

Need some help?

No worries, we've got you covered!

How do credit cards work?

A credit card lets you pay for purchases both in shops and online without paying cash. You usually get slightly more than a month to pay that amount back to the bank without incurring any interest. However, if you do not pay the full sum before the due date, an interest (up to 24% - 28% per annum.) is charged on the outstanding amount. Banks usually require you to pay a minimum sum each month.

What's the difference between credit cards and debit cards?

When you apply for a credit card, you get a credit limit, which is usually two to four times your monthly salary. You draw down on this credit limit when you make purchases and then repay the bank at the end of the month. With a debit card, however, the exact purchase amount is deducted directly from an account that's linked to the debit card. If there are insufficient funds in the account, the transaction will not go through.

How do I apply for a credit card?

You can apply for a credit card online or through forms available at banks or shopping malls. Fill up the personal details required, submit the relevant documents and wait for the application to be approved.

When can I apply for a credit card?

You must be at least 21 years old to apply for a credit card. Some banks allow student credit cards to be issued to those aged 18. The minimum age for a supplementary card holder is also 18 years old.

Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol

Great Multi-Purpose Card with 8% cashback on Dining, Groceries, Grab and Petrol

Dining & Entertainment
Daily Expenses
Annual Fee Waiver
Dining & Entertainment
Daily Expenses
Annual Fee Waiver

Great for

POPULAR!SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo valid till 30 June 2019. Apply here for existing customers.
8% cash back on Dining, Groceries & Petrol daily, worldwide. Subject to cash back cap of S$25 per category per statement month with a min. spend of S$888 per statement month.
8% off Grab rides valid till 30 June 2019. Subject to cash back cap of S$25 with a min. spend of S$888 per statement month.
Fuel savings of up to 20.88% at Esso & Shell.
Up to S$1,000,000 coverage when you charge your travel tickets to the card.
All other retail spend earns 0.25% cash back, no cap.

Need to know

Bonus 7.75% cash back on Dining, Groceries, Petrol and Grab spend is capped at S$25 cash back per category per statement month
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Local Spending
8 %
Dining Spending
8 %
Supermarket Spending
8 %
Petrol Spending
8 %
Retail Spending
0.25 %
All Spending
0.25 %

Eligibility

APR/ FEES

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Frequently Asked Questions

How do I earn cash back?

Simply spend a minimum of S$888 based on posted transactions per statement month to earn 8% cash back on dining, groceries, petrol and Grab (valid till 30 June 2019).

    What is the difference between transaction date and posting date?

    Transaction date refers to the date when a purchase is made.
    Posting date refers to the date the transaction is received by the card issuer. The cash back computation is based on the posting date of the transactions.

    When will the cash back be credited to my statement?

    As and when cash back is earned, it will be credited to the card account on a monthly basis on the date of that month's statement of account. Citibank then, will only credit cash back for amounts above S$50 and in integral multiples of S$10.