Citi Cash Back Card

Cashback1st year fee waived

How it earns

With S$800+ a statement month: 8% on petrol and private-hire rides/taxis, 6% on dining (incl. delivery) and supermarkets
0.2% on everything else
Total cashback capped at S$80 a month

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$847	S$651	4 of 27
Eats out a lot S$2,050/mo	S$960	S$764	3 of 27
Frequent traveller S$3,570/mo	S$757	S$561	16 of 27
Family with a car S$3,050/mo	S$960	S$764	4 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card · Visa / Mastercard
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived.
Minimum income	S$30,000 (citizens & PRs) · S$42,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	Credited once S$50+ accumulates, in S$10 multiples
Expiry	Cashback does not expire
Foreign-currency fee	3.25%

Good to know

Citi's pages conflict on whether non-bonus spend counts toward the S$800; we assume all retail spend counts.

Common questions

What is the annual fee on the Citi Cash Back?

S$196.20 a year including GST, waived for the first year. First year waived.

What income do I need for the Citi Cash Back?

S$30,000 (citizens & PRs) · S$42,000 (foreigners).

How much will I earn with the Citi Cash Back?

On a typical S$2,000 a month of everyday spending, about S$847 cashback a year, or S$651 after the annual fee. That ranks it 4 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the Citi Cash Back?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

https://www.citibank.com.sg/credit-cards/cashback/cash-back-card

Terms change often. Always confirm rates, caps and fees on Citi's own page before applying. Found something out of date? Tell us.