Citi Cash Back Card

The Citi Cash Back Card offers up to 8% cash back on petrol and private commute, plus 6% on dining and groceries when monthly spend reaches S$800.

Last checked on October 24, 2026. We may earn a commission when you click through.

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✓ Up to 8% cash back on petrol and private commute ✓ 6% cash back on dining and groceries with S$800 spend ✓ First-year annual fee waived

Data Snapshot

Citi Cash Back Card

Annual Fee

$196.20

Rewards

8%

APR

27.9%

Sign-Up Bonus

$300

See full review →

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Decision Brief

This card shines for those who frequently spend on petrol and dining, but the high annual fee and cashback cap may deter casual users. It’s ideal for regular spenders looking to maximize rewards.

See full review →

You'll be redirected to www1.citibank.com.sg

Annual Fee

$196.20

Rewards

8%

APR

27.9%

Sign-Up Bonus

$300

Overview

Card details

The Citi Cash Back Card offers up to 8% cash back on petrol and private commute, plus 6% on dining and groceries when monthly spend reaches S$800.

Quick Read

What stands out

💡 Honest Take: While the Citi Cash Back Card offers attractive cashback rates, users should be mindful of the capped rewards and high annual fees. Many cardholders report needing to adjust spending habits to fully benefit from the cashback structure.

Best For: Ideal for Singaporeans with stable incomes who spend heavily on petrol and dining, regularly reaching the S$800 monthly threshold for maximum rewards.

Watch Out: Cashback is capped at S$80 per month, which may limit benefits for high spenders.

Upside

Pros

  • ✓ Up to 8% cash back on petrol and private commute
  • ✓ 6% cash back on dining and groceries with S$800 spend
  • ✓ First-year annual fee waived
  • ✓ S$300 sign-up bonus for new cardmembers
  • ✓ Visa card network for widespread acceptance

Tradeoffs

Cons

  • ✗ High annual fee of S$196.20 after the first year
  • ✗ Cashback capped at S$80 per month
  • ✗ Requires minimum monthly spend to unlock higher cashback rates
  • ✗ High APR of 27.9% can be costly for balances
  • ✗ Limited to specific spending categories

Voice of Customers

What Customers Say

Cardholders appreciate the cashback rates but often mention the limitations due to the monthly cap.

Deep Dive

Expert Review

This card is for those who can consistently hit the S$800 monthly spend threshold. With up to 8% cash back on petrol and private transport, it works well for drivers. However, the S$196.20 annual fee after the first year can accumulate quickly, especially if you don’t maximize the cashback potential.

The cashback is capped at S$80 per month, which might not suffice for heavy users. Many find that while they can meet the spending threshold, the cap limits their overall benefits. The 27.9% APR is on the high side, making it less carry balances.

Customer service experiences are typically rated as satisfactory, but some users have reported delays in cashback processing. According to Citi’s official site, the card is for those focused on petrol and dining but may not be the best fit for casual spenders or those who prefer broader cashback categories.

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