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    Citi Cash Back Credit Card

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    Citi Cash Back Credit Card Reviews

    Citi Cash Back Credit Card rated as one of the best cashback credit cards in Singapore right now, it rewards you highly for your credit card spends. Currently this card has a promotional offer running in conjunction with Grab taxi. If you apply for the card before 6th April, 2018, you will get a cashback of S$120 plus 7 free rides with Grab.

    For regular rewards, you have 8% cashback on groceries, petrol purchases, Grab rides and dining both in Singapore and overseas. Grab rides until 6th July, 2017, will get you a whopping 20% cashback. 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.

    However, you need to spend at least S$888 per month to get the additional cashback, or you will be able to earn only 0.25% cashback in all categories. And even if you qualify for the additional cashback, you cannot earn more than S$25 as cashback per category.

    The best part is that this card gives you free travel insurance of up to S$1 million – a perk that is usually only available to travel credit cards. Of course, the Citibank privileges such as Citibank Gourmet Pleasures, Citi Rebates, and global discounts on dining, shopping and travel, add to the beauty of the card.  

    Citi Cash Back Card Promotions

    Under Citibank Gourmet Pleasures, you get a host of dining deals that change every year. Some of the deals available for 2016-17 are:

    • Up to December 29, 2016, get a 10% discount on various meal options at restaurants and cafes in Pan Pacific Singapore.
    • 10% concession on total food bill with a minimum spend of S$80 at all Bangkok Jam outlets in Singapore; at Barossa, Esplanade Mall and Holland Village; Eat at Taipei; Fremantle Seafood Market; Hot Stones Steak and Seafood. Valid up to December 31, 2016.
    • 15% off food and beverage bill at participating restaurants and bars by the Capella Group of hotels and resorts, and at restaurants and bars in Copthorne King’s and Grand Copthorne Hotels. Valid up to December 31, 2016.
    • 15% off total bill at Lobby Lounge, Victoria Bar and Man Fu Yuan, InterContinental Singapore till December 31, 2016.
    • 25% rebate on total food bill from Sunday to Thursday, and 20% off the food bill on Friday and Saturday at Café 2000, The Buffet and J Bar, M Hotel. Valid until December 31, 2016.
    • 20% off the total bill at Adrift by David Myers, Marina Bay Sands up to March 31, 2017. Other Marina Bay Sands restaurants are also offering 10% discount at various minimum spend limits.
    • 10% discount on a la carte lunch and another 10% off a minimum spend of $150 for dinner at 8 Korean BBQ, The Central. Valid till March 31, 2017.
    • 15% concession on total bill at inITALY Bar Ristorante up to May 31, 2017.

    Citi Cash Back Card:

    Citi Cash Back Card, which has replaced the Citi Dividend Card, is a family card that aims at giving you the best savings. From grocery shopping to dining to petrol, the card allows you to save on every purchase you charge to it. This is ideal for big families or friends and colleagues who shop together.

    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.
    • Get S$250 Citi Rebate on applying for the Cash Back Card.

    Features of Citi Cash Back Card:

    • This card allows you to get up to 8% cashback on retail transactions, and up to 20.88% on fuel, one minimum monthly spend of S$888.
    • The cashback is never-expiring and you can use it any time.
    • You can avail exclusive discounts on SmartDrive Motor Insurance policies.
    • You can pay your Electronic Road Pricing (ERP) charges through your credit card directly through EZ-Pay without having to pay service fee.
    • The first-year annual fee is waived for the primary cardholder and up to 2 supplementary cards.

    Rewards:

    The Citi Cash Back Card does not offer rewards points, but gives you cashbacks on almost every purchase.

    • 8% cashback on grocery shopping and dining
    • 20.88% cashback on petrol at Esso, 20.88% discount at Shell and 8% rebate at other petrol stations
    • 0.25% cashback for all other retail purchases

    This cashback is applicable only if your month’s total bill is S$888 or more, and the maximum cashback you can get in each category is S$25. The amount will be credited to your account everytime you accrue S$50 or more under the scheme.

    Instalment Payment Plans:

    Under Citibank Equal Payment Plan (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 get cashbacks, so use it only for large purchases that you may not be able to pay in full at the time of billing.

    Fees And Charges:

    Annual fee S$192.60
    Supplementary card fee S$96.30
    Interest rate (annual) 26%
    Cash advance fee 6% or minimum S$15, whichever is higher
    Interest on cash advance (annual) 26.9%

    An additional penal interest of 3% will be charged for both credit card bills and cash advances in case of late payment.

    Overseas Transactions And Payment In Foreign Currencies:

    The charges applicable to overseas and foreign currency transactions are:

    • 2.5% administrative fee for transactions in foreign currency
    • 0.8% administrative fee for Visa cardholders and 1% for Mastercard owners for currency conversion from Singapore dollar to other currencies, and for Singapore dollar transactions outside the island.

    How To Apply For Citi Cash Back Card:

    To apply for this credit card, you can either go to the Citibank website or to one of the bank’s branches with the required documents. On the website, select the card, fill in your personal information, contact details, employment information, income details, and upload the relevant documents. The bank will get in touch with you and complete the application and approval process.

    Eligibility Criteria For Citi Cash Back Card:

    • Minimum age: 21 years for primary member and 18 years for supplementary cardholder
    • Minimum income:
      • Singaporeans & permanent residents: S$30,000
      • Foreigners: S$42,000

    Documents Required:

    • Salaried individuals: Photocopy of NRIC or passport, latest original computerised payslip OR Tax Notice of Assessment OR last 12 months’ CPF statement.
    • 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.

    Repayments:

    The minimum payment to be made every month for the Citi Cash Back Credit Card is 1% of the current balance added to 1% of any outstanding unbilled instalment amounts, plus interest charges (including interest/ service charges for any recurring/instalment payments) and late payment charge, or S$50, whichever is greater. If you delay your payment, a late payment fee of S$80 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:

    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 your head is likely to be waived off.  

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