Citi Cash Back Credit Card is rated as one of the best cash back credit cards in Singapore right now and rewards you highly for your credit card spends.
For regular rewards, you have 8% cash back on groceries, petrol purchases, and dining both in Singapore and overseas. You will also earn 8% cash back on Grab rides until 6 April 2018. Until 30 April 2018, you will earn 20% cash back on your Food panda orders. Additionally, your fuel purchases at Esso and Shell will give you savings of up to 20.88%. All other retail transactions will earn you 0.25% cash back.
Features of the Citi Cash Back 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.
Benefits of the Citi Cash Back Card
You can enjoy the benefits mentioned below through this credit card:
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Citi Gourmet Pleasures: This programme offers exclusive dining deals across Singapore and even other countries.
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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.
Citi Cash Back Card Promotions
- Foodpanda – Enjoy cash back of 20% on your orders until 30 April 2018.
Joining benefits/perks
Get up to S$120 as cash back if you apply for a Citi credit card, on spending at least S$200 per statement month for a duration of 6 months. This campaign is valid for new Citi customers up to 30 June 2018.
Citi Cash Back Card Rewards Program
What you get:
- Dining - 8% cash back across cafes, bars and restaurants worldwide
- Grab rides - 8% cash back on your Grab rides.
- Groceries - 8% cash back on groceries and supermarkets around the world. Also get 8% cash back on deliveries from RedMart.
- All other retail spends - 0.25% cash back with no cap.
Charges and details:
- To earn 8% cash back on Dining, Grab rides, Groceries and Petrol a minimum total retail spend of S$888 per statement month is required.
- Additional 7.75% cash back on dining, Grab rides, groceries and petrol have a cap of S$25 per category each statement month.
Full terms and conditions apply, visit https://www.citibank.com.sg/cashback
Insurance Benefits with Citi Cash Back Card
The Citi Cash Back Visa Card is among those rare cash back cards that offer complimentary 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
Citi 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 cash back, 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 Card 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 |
26.9% 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% of the amount drawn or S$15, whichever is higher |
| Interest on cash advance |
26.9% p.a. |
| Over-limit fee |
S$40 |
How to Activate/Use Citi Cash Back Credit Card Overseas
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 Citi 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 Citi Customer Care Hotline or through internet banking, self-service phone banking, SMS or the Citi Mobile app.
Citi Cash Back Card Foreign Currency Transactions Fees:
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 (AUD) is converted into SGD directly.
- Administrative fee or foreign currency transaction fee of up to 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.
Charges for Cash Advance/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 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.
Citi Cash Back Card Eligibility
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 Card
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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.
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Self-employed individuals: Photocopy of NRIC or passport, last 2 years’ Income Tax Notice of Assessment AND last 3 months’ bank statement.
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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.
Citi Cash Back Card Interest Rates
Citi charges an interest of 26.9% p.a. on card transactions and 26.9% p.a. on cash withdrawals. The minimum interest rate chargeable is S$3 per statement month. If your account is in good standing, you may be offered a promotional interest rate of 20.9% p.a. on retail transactions and cash advances.
An additional penal interest of 3% will be added to the existing interest of 26.9% p.a. (totalling to 29.9% p.a.). This 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 rates if there is not more than one late payment in the last 6 months.
Citi Cash Back Card Bill Repayments
The minimum payment to be made every month for the Citi Cash Back Visa 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 or S$50 – whichever of these is higher.
If the balance due is less than S$50 then the minimum payment will be the balance due. 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.
Citi Singapore Credit Card bills Payment methods
- Fast And Secure Transfers (FAST) payment mode under Transfer Funds from Citi 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
What should you do if your Citi Cash Back Card is Lost/Stolen?
If your credit card is lost or stolen, you should immediately notify Citibank. Your liability for unauthorized transactions on your card is capped at $100 only if Citibank is satisfied that you have (i) not been negligent, (ii) not acted fraudulently and (iii) immediately notified Citibank about the loss/theft.
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