• loading

    We found 1 Citi Cashback Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    What you get
    What you need
    What you'll love
    What you need to consider
    What it costs

    Citi Cashback Card

    Credit Card BYTES FROM OUR KITCHEN

    Citi Cash Back Visa Card Reviews

    Citi Cash Back Credit Card is rated as one of the best cashback credit cards in Singapore right now and rewards you highly for your credit card spends.

    For regular rewards, you have 8% cashback on groceries, petrol purchases, Grab rides and dining both in Singapore and overseas. Additionally, your fuel purchases at Esso and Shell will give you a rebate of up to 20.88%. Esso and Shell give you 5% Esso/Shell concession, 5% Smiles/Shell Escape concession if you are a programme member, 4% Citibank concession, and an extra 8% Citibank Cash Back Card concession on the net amount. All other transactions will earn you 0.25% cashback.

    Citi Cash Back Visa Card Promotions

    • RedMart - New RedMart customers will enjoy S$20 discount on minimum spend of S$100 until 31 October 2017.
    • Foodpanda - Spend a minimum amount of S$35 and enjoy discounts up to 25%. This promotion is valid until 31 December 2017.
    • Expedia - Enjoy cashback of 2.5% per S$1 spent on Expedia for flight and hotel bookings until 28 February 2018.

    Joining benefits/perks

    Get up to S$120 as cashback if you apply for a Citibank credit card, on spending at least S$200 per month for a duration of 6 months. This campaign is valid for new Citibank customers up to 30 June 2018.

    Features of the Citi Cash Back Visa Card

    • Enjoy 1-year annual fee waiver on the principal credit card and 2 supplementary credit cards.
    • Get special deals with SmartDrive Motor Insurance including instant insurance cover and access to 24-hour Claims and Emergency Assistance Hotline with AXA.
    • You can pay your Electronic Road Pricing (ERP) charges through your credit card directly through EZ-Pay without having to pay a service fee.

    Rewards on Citi Cash Back Visa Card

    What you get:

    • Dining - 8% cashback across all cafes, bars and restaurants worldwide. Also get 8% cashback on deliveries from Foodpanda.
    • Grab rides - 8% cashback on all your Grab rides.
    • Groceries - 8% cashback on all groceries and at all supermarkets around the world. Also get 8% cashback on deliveries from RedMart and Honestbee.
    • Petrol - Savings up to 20.88% at Shell and Esso + 8% cashback across all other petrol stations in the world.
    • All other spends - 0.25% cashback on all other eligible purchases with no cap.
    • Special offer - Citibank is on the brink of introducing 20% cashback at select merchant outlets in the near future.

    Charges and details:

    • To earn 8% cashback, minimum spend of S$888 per month is required. If you fail to meet this criterion, you will earn a flat cashback rate of 0.25% on all spends.
    • 8% cashback has a cap of S$25 per category per month.

    Benefits of the Citi Cash Back Visa Card

    You can enjoy the benefits mentioned below through this credit card:

    • Citi Rebates: This facility gives you up to 10% extra rebates at selected outlets such as Four Seasons, Sheng Siong, Dunkin’ Donuts, Marble Slab Creamery, Starbucks, Subway, Aurora Jewellery, Sports Connection and Times Bookstores.
    • Citibank Gourmet Pleasures: This programme offers exclusive dining deals across Singapore and even other countries.
    • Citi World Privileges: This is a discount programme for shopping, retail, lifestyle, travel and online purchases that can be enjoyed both in Singapore and overseas.

    Insurance Offered by the Citi Cash Back Visa Card

    The Citi Cash Back Visa Card is among those rare cashback cards that offer complementary travel insurance cover. The cardholder, their spouse and dependent children are covered under this free insurance. The policy is underwritten by AIG Travel Insurance. You need to activate the insurance and charge the full flight ticket through the Citi Cash Back Visa Credit Card to enjoy the benefits of this policy. The benefits are:

    Travel insurance benefits Coverage amount
    Accidental death and permanent disability S$1 million (for principal and supplementary cardholders) S$50,000 (for dependent children)
    Medical and accidental dental expenses for principal and supplementary cardholders S$40,000
    Medical and accidental dental expenses for dependent children S$20,000
    Emergency medical evacuation S$100,000
    Repatriation of mortal remains S$50,000
    Loss of luggage Up to S$1,000
    Delay in luggage arrival Up to S$500
    Delay in flight Up to S$500
    Trip cancellation Up to S$500
    Trip interruption Up to S$500

    Instalment Payment Plans

    Citibank has a 0% instalment payment plan known as Equal Payment Plan (EPP). With EPP you can spread out the payment for your purchases for up to 2 years at 0% interest rate. This is applicable at around 1,000 merchants. However, using the EPP may not allow you to earn cashback, so use it only for large purchases that you may not be able to pay in full at the time of billing.

    Citi Cash Back Visa Card Annual Fees & Charges

    The charges applicable on the Citi Cash Back Visa Card are listed in the table below:

    Annual fee S$192.60 (2nd year onwards)
    Supplementary card fee S$96.30 (2nd year onwards)
    Interest rate 26% p.a.
    Minimum monthly payment S$50, or 1% of the current bill + 1% of outstanding bill + interest charges + late payment charge (if applicable), whichever is higher
    Late payment fee S$100
    Cash advance fee 6% or minimum S$15, whichever is higher
    Interest on cash advance 26.9% p.a.
    Over-limit fee S$40

    Citi Cash Back Visa Card Overseas Use

    Almost everywhere in Singapore, the card technology in use is the EMV Chip. This is a more secure way of using the card because your details are shared with the merchant and verified in an encrypted form. However, in many other countries, the older magnetic stripe technology is still used.

    Your Citi Cash Back Visa Credit Card has the magnetic strip, but for safety, it remains in a deactivated state unless you choose to activate it. If you are going outside Singapore and want to use the Citibank Cash Back Visa Card there, then you will have to activate the magnetic strip on your card first. This can be done by calling the Citibank Customer Care Hotline or through internet banking.

    Foreign Currency Transactions Fees on Citi Cash Back Card

    Purchases done in currencies other than Singapore dollars have to be converted at the day’s exchange rate before the payment is confirmed. Usually, US dollar (USD) transactions are converted directly to Singapore dollars (SGD), but any other currency is first converted into USD and then into SGD. With this Visa credit card, Australian dollar is converted into SG directly.

    • Administrative fee or foreign currency transaction fee of 2.8% of the payment amount is charged by Visa.
    • For Dynamic Currency Conversion (DCC), an extra 1% of the transaction amount is charged by Visa. DCC is a special service offered at certain merchants and ATMs, wherein foreign currencies are converted directly to SGD without the intermediary of USD.

    Cash Withdrawals

    If you are in a situation where you need money urgently but don’t have time to go for a personal loan or line of credit, then you can resort to withdrawing money from your credit card. The amount of money you can withdraw will depend on your available credit limit. The interest rate on cash withdrawals is 26.9% p.a. which will be applicable from the day you withdraw the money. You will also have to pay a cash advance fee of 6% (minimum S$15) of the amount you withdraw. It is advisable to not go for cash withdrawals except in dire situations.

    How to Apply for Citi Cash Back Visa Card

    You can apply for the Citi Cash Back Visa Card conveniently on Bankbazaar.sg by providing us with your personal, contact and financial details.

    Eligibility Criteria for Citi Cash Back Card

    Minimum age:

    • 21 years for primary cardholders
    • 18 years for supplementary cardholder

    Minimum annual income:

    • Singapore citizens and permanent residents: S$30,000
    • Foreigners: S$42,000

    Documents Required to Apply for Citi Cash Back Visa Card

    • Salaried individuals: Photocopy of NRIC or passport, latest original computerised salary slips OR most recent Tax Notice of Assessment OR CPF Contribution History for the last 12 months.
    • Self-employed individuals: Photocopy of NRIC or passport, last 2 years’ Income Tax Notice of Assessment AND last 3 months’ bank statement.
    • Foreigners: Photocopy of passport, work permit, photocopy of utility or telephone bill or bank statement with your name and address, Income Tax Notice of Assessment and latest original computerised salary slip.

    Interest on Citi Cash Back Card

    Citibank charges an interest of 26% p.a. on card transactions and 26.9% p.a. on cash withdrawals. The minimum interest rate chargeable is S$3 per month. If your account is in good standing you may be offered a promotional interest rate of 20% p.a. on credit card transactions and 20.9% p.a. on cash advance.

    An additional penal interest of 3% (29% and 29.9% for card transactions and cash advances, respectively) will be charged for both credit card bills and cash advances in case of more than 1 month of late payment. The interest will revert to normal levels if there are not more than one late payment in the last 6 months.

    Repayments

    The minimum payment to be made every month for the Citi Cash Back Credit Card is the total of 1% of the current balance, 1% of any outstanding unbilled instalment amounts, interest charges (including interest/service charges for any recurring/instalment payments) and late payment charge – whichever of these is applicable. The minimum amount payable is S$50. If you delay your payment, a late payment fee of S$100 has to be paid. You get a grace period of 25 days from the date of the statement of account to make your bill payment.

    You can pay your credit card bills in the following ways:

    • Fast And Secure Transfers (FAST) payment mode under Transfer Funds from Citibank or other banks
    • SMS Pay by registering for this service with the bank first, and only if you wish to pay the minimum amount or the full amount
    • Through online banking
    • Using Mobile app
    • Through phone banking
    • At ATM and cash deposit machines
    • At AXS Stations
    • At SAM Machines

    Lost/Stolen Card Liability and Reporting Loss of the Card:

    Under Singapore regulatory policy, your liability on a lost or stolen card is limited only up to S$100. This payment is required only if you haven’t managed to report the loss of card to the bank immediately. As soon as you discover that your credit card is missing from your person, call the Citibank 24-hour phone banking service and report the loss. You card will be blocked and no one can spend any more money using it. If the bank is convinced that you are not being fraudulent in your card use and the case is genuine, lost card liability on you is likely to be waived off.

    Close

    Compare, check your eligibility and apply for credit cards online.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.