Citi Cash Back Card

Read Singsaver’s full review of the Citi Cash Back Credit Card

Pros & cons

Who is this card for

The Citi Cash Back Card is ideal for Singaporeans who drive frequently or rely on Grab, as it offers 8% cashback on petrol and private transport. It also suits those who spend regularly on dining and groceries, with 6% cashback in those categories. If you consistently spend at least $800 a month, especially across these areas, you’ll maximise the card’s value. Families can benefit too, with a free supplementary card that lets you pool spending to hit the cashback threshold more easily.

Compare to other cards

When it comes to cashback perks, the Citi Cash Back Card stands out for those who spend regularly on petrol, private transport, dining, and groceries. With up to 8% cashback on fuel and private hire services, and 6% on dining and groceries, it’s a strong pick for everyday essentials. It also includes base cashback of 0.2% on other spending, and up to 23.64% fuel savings at Esso and Shell stations. For households or individuals looking to pool expenses, the free supplementary card is an added bonus.

If you prefer simplicity and don’t want to track specific categories or meet minimum spending requirements, the Citi Cashback Plus Card might be a better fit. It offers 1.6% unlimited cashback on all eligible spend with no minimum spend and no cap. Cashback earned never expires and can be redeemed instantly via SMS or the Citibank SG app, which makes it one of the more flexible cashback options available for those who value ease of use.

The DBS Live Fresh Card is a solid choice for shoppers and commuters who are able to meet the minimum spend criteria. You can earn up to 6% cashback on online shopping and transport, plus an extra 5% Green Cashback at selected eco-friendly merchants. However, to unlock these rates, you’ll need to spend at least $1,000 in the first quarter and maintain $600 monthly after that. It’s most rewarding for those who can meet these conditions consistently and want to take advantage of its sustainability-focused perks.

Citi Cash Back Credit Card

Interest rate: 27.8%

Annual fee: $196.20 (first year waived)

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $42,000 for foreigners

Benefits:

• Up to 8% cashback on petrol and private commute (e.g. Grab, Gojek)
• 6% cashback on dining and groceries
• Base cashback of 0.2% on all other eligible spend
• Up to 23.64% fuel savings at Esso and Shell stations
• Access to exclusive deals and discounts on dining, shopping, and travel both locally and internationally through the Citi World Privileges program
• Free supplementary card to help pool household spend
• Up to $1 million in complimentary travel insurance coverage when the full fare is charged to the card

DBS Live Fresh Card

Interest rate: 27.8%

Annual fee: $196.20 (first year waived)

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $45,000 for foreigners

Benefits:

• Up to 6% cashback on shopping and transport spend (requires a minimum spend of $1,000 for first quarter, then $600 per month for subsequent months)
• 0.3% unlimited base cashback on all spending
• Additional 5% Green Cashback on selected eco-eateries, retailers, and transport services
• Access to Fresh Deals, including entertainment, shopping, dining, and travel offers

Citi Cashback Plus Card

Interest rate: 27.9%

Annual fee: $196.20 (first year waived)

Minimum annual income:

• $30,000 for Singaporeans and PRs
• $42,000 for foreigners

Benefits:

• 1.6% unlimited cashback on all eligible spending with no minimum spend and no cap
• Cashback earned does not expire and can be redeemed instantly via SMS or the Citibank SG app
• Up to $1 million in complimentary travel insurance coverage when travel tickets are charged to the card

Credit card application

Step 1: Start your application on SingSaver

Click the “Apply Now” button on this page to begin your application. You’ll be redirected to Citibank’s official application portal after entering your email address so that we can send you the exclusive rewards details.

Then, to speed things up, log in with your SingPass MyInfo. Citibank will automatically retrieve your personal and income details, so you don’t have to fill in everything manually. Most applicants receive a decision within minutes.

Step 2: Submit required documents (if needed)

In some cases, Citibank may request additional documents if your MyInfo data is incomplete or if you’re applying as a foreigner, self-employed, or commission-based applicant. These may include:

• Latest computerised payslip or CPF Contribution History Statement (for salaried applicants)
• Income Tax Notice of Assessment (NOA)
• Valid employment pass and passport copy (for foreigners)
• Proof of local address (e.g. utility bill or tenancy agreement)
• Additional supporting documents for self-employed individuals (if applicable)

Step 3: Receive and activate your card

Once approved, your Citibank credit card will be mailed to you. You can activate and manage your card using the Citi Mobile App or through Citibank Online.

Step 4: Redeem your SingSaver rewards

After you’ve completed the required minimum spend, follow the instructions in the reward redemption email from SingSaver. Submit your application reference number and any required documents within the stated deadline to claim your exclusive gift.

Credit card application resources

Looking for a card that fits your lifestyle better? Explore our top picks by category below:

• Best air miles credit cards
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• Best cashback credit cards
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• Best credit cards for restaurants

Frequently asked questions about the Citi Cash Back+ Credit Card