Citi Cash Back Card
8% on groceries, Grab and petrol, 6% on dining
Citi Cash Back Card
Citi
- Base rate
- 0.2% on uncategorised spend
- Minimum monthly spend
- S$800 to unlock category rates
- Monthly cashback cap
- S$80/month
- Annual fee
- S$196.20 · First year waived
- Minimum income
- S$30,000
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View card details → [Affiliate]Cashback rates
As of April 2026Petrol
Worldwide
8%
Groceries
Supermarkets and grocery stores
8%
Transport
Only on private commute (Grab, GoJek, etc)
8%
Dining
Restaurants and food delivery
6%
Other / uncategorised
Default rate on spend outside listed categories.
0.2%
Common exclusions: Insurance, Education, Government payments, Utilities, Transit, Top-ups (e-wallets)
Highlights
- check8% on groceries, Grab and petrol, 6% on dining
- checkRequires S$800 monthly spend
- checkS$80 combined monthly cashback cap
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally. Adjust the sliders to project your cashback on this card.
Projected cashback on Citi Cash Back Card
S$745net / year
Effective rate 2.76% on S$27,000 annual spend
Per-category projection
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Frequently asked questions
How much cashback does the Citi Cash Back Card earn?
The Citi Cash Back Card earns 8% on petrol, 8% on groceries, 6% on dining, 8% on transport, with 0.2% on other eligible spend.
Is there a minimum monthly spend on the Citi Cash Back Card?
Yes. Citi requires a minimum monthly spend of S$800 to unlock the bonus cashback rates. Below this threshold, eligible spend earns 0.2% for the month.
What is the monthly cashback cap?
Total cashback on the Citi Cash Back Card is capped at S$80 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
What is the annual fee on the Citi Cash Back Card?
The Citi Cash Back Card has an annual fee of S$196.20 — first year waived.
What spend does not earn cashback?
Citi typically excludes insurance, education, government payments, utilities, transit, top-ups (e-wallets) from cashback eligibility on the Citi Cash Back Card. Refer to the official terms for the full exclusions list.
Are the cashback rates guaranteed?
No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.
Terms and conditions apply.
Last verified: April 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.