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    Citi Cash Back Card Reviews

    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, Grab rides and dining both in Singapore and overseas. Until 19 December 2017, you will earn 20% cash back on orders from UberEATS (cash back cap is applicable). Additionally, your fuel purchases at Esso and Shell will give you savings of up to 22.72%. All other 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:

    • Citi 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.

    Citi Cash Back Card Promotions

    • Foodpanda - Spend a minimum amount of S$35 and enjoy discounts up to 25%. This promotion is valid until 31 December 2017.
    • Expedia - Enjoy cash back of 2.5% per S$1 spent on Expedia for flight and hotel bookings until 28 February 2018.
    • Shell - Enjoy savings up to 22.72% on fuel purchases at Shell stations until 28 December 2017.

    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. Also get 8% cash back on deliveries from Foodpanda and Deliveroo.
    • 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 and Honestbee.
    • Petrol - Savings up to 22.72% at Shell and Esso + 8% cash back across other petrol stations in the world.
    • UberEATS – Get 20% cash back on UberEATS orders until 19 December 2017. Also, new users of UberEATS will enjoy free delivery on their first 3 orders upon using the promo code, “CITI3OFF”.
    • All other retail spends - 0.25% cash back with no cap.

    Charges and details:

    • To earn 8% cash back on dining, Grab rides, Goceries, Petrol, and 20% cash back on UberEATS, 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.
    • Additional 19.75% cash back on UberEATS Singapore orders have a cap of S$25 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% 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

    • 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.

    Citi Cash Back Card Interest Rates

    Citi 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 statement 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% will be added to the existing interest of 26% p.a. (totaling to 29% and 29.9% for card transactions and cash advances, respectively). 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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