#5
Citi Cash Back Card
S$196.20/yr (1st yr waived)(S$196.2)
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Citi Cash Back Card, issued by [Citibank Singapore](/entity/citibank-singapore) in Singapore, earns up to 8% cashback/rebate paired with S$300–S$370 cash via SingSaver/MoneySmart on S$500 spend (valid through 2026-12-31).
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Citi Cash Back Card, issued by Citibank Singapore in Singapore, earns up to 8% cashback/rebate paired with S$300–S$370 cash via SingSaver/MoneySmart on S$500 spend (valid through 2026-12-31).
Key Metrics
Specifications
IssuerCitibank Singapore
Local Miles RateCashback-focused
Overseas Miles RateCashback-focused
Headline CashbackUp to: 8%
Monthly Spend CapS$1,000/mo
Sign-Up BonusS$300–S$370 cash via SingSaver/MoneySmart on S$500 spend
Annual Fee (GST incl.)S$196.20 (1st year waived)
FX Fee3.25%
Pros and Cons
Pros
- 8% cashback on supermarkets/groceries worldwide, 8% on petrol
- 6% on dining & cafés globally (capped at S$25 per category, S$80/month total)
Cons
- Requires S$800 monthly minimum spend
- Food delivery apps (GrabFood, Deliveroo, foodpanda) excluded from 6% dining tier
Eligibility
- MAS minimum income S$30,000/yr for Singaporeans/PRs
- S$800 qualifying spend
- 12-month new-to-bank rule
Things to Watch Out For
- Requires S$800 monthly minimum spend
- Food delivery apps (GrabFood, Deliveroo, foodpanda) excluded from 6% dining tier
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