Citi Cash Back Card — Up to 6% Groceries & Dining
Earns up to 8% on petrol, up to 8% on taxi, up to 6% on dining, and up to 6% on groceries — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Dining | 6% | S$18 |
| Groceries | 6% | S$12 |
| All other categories (base rate) | 0.2% | S$3 |
| Monthly cashback | S$33 | |
| Annual cashback | S$398 | |
New cardholders only who apply through this link and spend min. S$500 in qualifying transactions within 30 days of card approval (card must remain valid and uncancelled for 12 months from approval) choose one: - S$380 Cash via PayNow - 25,000 Max Miles (worth S$600) - Dyson Airstrait (worth S$799) - Dyson V8 Cyclone cordless vacuum (worth S$559) - Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth S$499) Top-up options available (iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •0.2% base rate on all eligible spend
- S$800+/mo tier:
- •8% on Petrol — Petrol spend worldwide.
- •8% on Taxi — Private-hire and taxi spend (e.g. Grab, Gojek)
- •6% on Dining — Dining spend worldwide.
- •6% on Groceries — Grocery spend worldwide.
- •Total monthly cashback capped at S$80
- •Annual fee: S$196.20 (First year waived)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Citi World Privileges
Access to exclusive deals and discounts on dining, shopping, and travel both locally and internationally through the Citi World Privileges programme.
- Petrol Savings at Caltex, Esso and Shell
Up to 23.64% fuel savings at Caltex, Esso and Shell petrol stations, inclusive of the 8% cashback on petrol spend.
- Annual fee
- S$196.20First year waived
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 27.9%
- Cash advance service charge
- S$15 or 8% of amount withdrawn, whichever is greater
- Minimum payment
- 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher
- Interest-free period
- 25 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$42,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Min. income S$30,000 (local/PR) or S$42,000 (foreigner) a year
- •Earns 8% cashback on petrol spend worldwide when monthly spend reaches S$800.
- •Earns 8% cashback on private-hire and taxi spend (e.g. Grab, Gojek) when monthly spend reaches S$800.
- •Earns 6% cashback on dining spend worldwide when monthly spend reaches S$800.
- •Earns 6% cashback on grocery spend worldwide when monthly spend reaches S$800.
- •Provides up to 23.64% fuel savings at Caltex, Esso, and Shell petrol stations, inclusive of the 8% cashback on petrol spend.
- •Total cashback earned is capped at S$80 per statement cycle.
- •The annual fee is S$196.20, waived only in the first year.
- •A broad range of spend categories are excluded from cashback, including bill payments, insurance premiums, government services, transit-related transactions, and top-ups to prepaid accounts.
- •A foreign currency transaction fee of 3.25% applies to transactions made in non-S$ currencies.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the Citi Cash Back Card.
- •Annual fees
- •Interest charges
- •Late payment charges
- •GST
- •Cash advances
- •Instalment/easy/extended/equal payment plans
- •Preferred payment plans
- •Balance transfers
- •Quasi-cash transactions
- •Fees charged by Citibank or third party
- •Miscellaneous charges imposed by Citibank
- •Funds transfers using the card as source of funds
- •Bill payments (including via Citibank Online or via any other channel or agent)
- •Payments to educational institutions
- •Payments to government institutions and services (including court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases)
- •Payments to insurance companies (sales, underwriting, and premiums)
- •Payments to financial institutions (including banks and brokerages)
- •Payments to non-profit organizations
- •Betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks)
- •Top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts
- •Transit-related transactions
- •Mobile wallet transactions (for 10X Points)
- •Travel-related transactions (for 10X Points): airlines, car rental agencies, hotels/motels/resorts, passenger transport and railways, cruise lines, travel agencies and tour operators
- •Utilities (MCC 4900)
- •Cleaning and maintenance/janitorial services (MCC 7349)
- •Parking lots and garages (MCC 7523)
- •Betting/gambling (MCC 7800, 7995, 9754)
- •Wire transfer money orders (MCC 4829)
- •Nondurable goods NEC (MCC 5199)
- •Direct marketing – insurance services (MCC 5960)
- •Financial institutions – merchandise/services/debt repayment (MCC 6012)
- •Quasi-cash – financial institutions (MCC 6050, 6051)
- •Securities – brokers and dealers (MCC 6211)
- •Insurance sales, underwriting and premiums (MCC 6300)
- •Real estate agents and managers – rentals (MCC 6513)
- •Quasi cash/financial services (MCC 6529-6540)
- •Education institutions (MCC 8211-8299)
- •Charitable and social service organizations (MCC 8398)
- •Hospitals (MCC 8062)
- •Political organizations (MCC 8651)
- •Religious organizations (MCC 8661)
- •Government services (MCC 9000-9999)
- •Cigar stores and stands (MCC 5993)
- •AXS transactions
- •EZ-link transactions
- •SimplyGo transactions
- •Transit Link transactions
- •Youtrip Singapore transactions
The information above is a summary and may be incomplete or outdated. Always refer to Citi's official terms and conditions for the authoritative version.
About the Citi Cash Back Card
The Citi Cash Back Card is a tiered cashback card from Citi. Base-tier earning is 0.2% on every eligible dollar. At its top qualifying tier (S$800/mo+), the card reaches up to 8% on petrol, 8% on taxi, 6% on dining, and 6% on groceries. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
At the base tier, the Citi Cash Back Card earns 0.2% on every eligible dollar. From S$800/mo qualifying spend, the card earns 8% on petrol, 8% on taxi, 6% on dining, and 6% on groceries. Total monthly cashback is capped at S$80.00, after which additional spend in the same statement month earns nothing.
Where this card earns the most
The Citi Cash Back Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$800/mo+), the calculator returns higher projected monthly cashback for petrol, taxi, dining, and groceries spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.2% base rate.
Other cashback cards to compare
Frequently asked questions
Is the Citi Cash Back Card worth it?
The Citi Cash Back Card earns 0.2% cashback on general spend and up to 8% on transport and 8% on petrol, with a S$196.20 annual fee (First year waived). Bonus rates require at least S$800 in monthly spend and total cashback is capped at S$80 per month. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the Citi Cash Back Card for?
The Citi Cash Back Card suits daily commuters, drivers, and frequent diners — it earns up to 8% on transport, 8% on petrol, and 6% on dining. Spending spread across other categories may earn more on a different card.
How much cashback does the Citi Cash Back Card earn?
The Citi Cash Back Card has 2 earning tiers in total. At the base tier, every eligible dollar earns 0.2%. From S$800/mo qualifying spend, the card earns 8% on petrol, 8% on taxi, 6% on dining, and 6% on groceries.
Is there a minimum monthly spend?
There's no single minimum spend — the Citi Cash Back Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 8% on petrol, 8% on taxi, 6% on dining, and 6% on groceries. Below the lowest tier, the card earns the base 0.2% rate.
What is the monthly cashback cap?
Total cashback on the Citi Cash Back Card is capped at S$80.00 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
What is the annual fee?
S$196.20, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.