Sign On
Enjoy everyday savings with up to 8% cash back
Receive cash back on dining, groceries, fuel, private commute and more!
Apply now and get welcome gift of S$300 cash back*.
EARN CASH BACK WHERE YOU SPEND
What Types Of Spend Can Earn You Cash Back?
Discover how the Citi Cash Back Card rewards your spending, from everyday essentials to retail purchases across multiple eligible daily spend categories.
8% cash back^
on petrol spend worldwide and private commute (e.g Grab, GoJek, and more)
6% cash back^
on dining and groceries spend, worldwide
0.2% cash back
on all other retail purchases
UNLOCK BONUS CASH BACK
How can you earn bonus cash back with the Citi Cash Back Card?
Receive bonus cash back in selected categories when you spend a minimum of S$800 in a statement month.
7.8% bonus cash back on Private Commute
5.8% bonus cash back on Groceries
7.8% bonus cash back on Petrol
5.8% bonus cash back on Dining
+ 0.2% base cash back on all retail purchases
= Up to 8% total cash back (capped at S$80 per statement month)
How Your Cash Back is Applied:
- Unlock bonus cash back when you spend a minimum of S$800 in a statement month. If you spend less than the minimum required spend, you will still earn 0.2% cash back on your qualifying retail spend.
- The total cash back you can earn is capped at S$80 combined across all qualifying retail spend per statement month.
Is the Citi Cash Back Card right for you?
The Citi Cash Back Card is designed for users who prefer to earn great savings on everyday expenses. It is a simple way to earn up to a generous 8% cash back on essentials like dining, groceries, fuel and private transport.
CASH BACK CALCULATOR
How much cash back can you earn every month?
Input your estimated spends across categories and see how your cash back adds up.
Welcome Bonus
S$ 300
Cash Back*
Start earning from your very first spend
Earn cash back faster on all eligible spending
How to Qualify
Spend S$800 in your first 2 months
Lifestyle Rewards & Experiences
Elevate your lifestyle with Citi World Privileges and enjoy benefits across dining,
shopping and more with your Citi Credit Cards.
Citi Gourmet Pleasures
From casual bites to exclusive dining, unlock delectable deals that make every occasion a treat to savour.
Grocery & Daily Essentials
Find grocery and daily essential deals that help you to get more value for less.
Shop Smart with Citi
From home essentials, groceries to beauty and fashion finds, explore a wide range of online and in-store shopping deals.
Features At A Glance
Use your Citi Cash Back Card for more than cash back. Enjoy privileges and payment features that support everyday savings, instalments and quick access to funds when needed.
Citi World Privileges
Get deals and discounts locally with
Citi Cash Back Card.
Citi FlexiBill
Convert your credit card
statement retail balance
into instalments.
Citi PayLite
Turn your purchases into affordable
instalments with Citi PayLite.
A fee may be applicable.
Citi Quick Cash
Convert your Citi Credit Card / Citibank Ready Credit
available credit limit into cash,
payable in monthly instalments.
Refer a friend &
get S$150
Refer your friends to sign up for a Citi Credit Card.
Get S$150 for each successful referral~ and your friend get to enjoy Citi Credit card welcome offers.
Citi Credit Cardmember Exclusive
when you join Citigold®
Unlock elevated offers, premium benefits and personalised privileges - all designed to reward your continued relationship with Citi.
 | Attractive Welcome Rewards |
Receive exclusive welcome rewards when you join Citigold.
 | Limited-Time Offers |
Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.
How does the Citi Mobile® App help you to manage your card?
Use the Citi Mobile® App to stay on top of your card activity, control key settings, and track your cash back from one convenient place.
Everything at a glance
View your card details, rewards and account information in one place.
Activate a new card
Activate your Citi Cash Back Card quickly through the Citi Mobile® App.
Secure your transactions
Manage transaction controls and card security settings with ease.
Lock and unlock your card
Temporarily lock or unlock your card anytime through the app.
Powerful features on demand
Access payment, rewards and account management features whenever needed.
Track your cash back
Monitor your cash back earned from eligible spending directly from the app.
Check Your Eligibility
Find out if you qualify for the Citi Cash Back Card.
Ready to start earning cash back?
Enjoy a quick and easy application process with Singpass.
Apply with 
10-minute application
Secure online Process
Instant verification
Fees
Basic fee of S$196.20 inclusive of 9% GST
Income
Min. income per year S$30,000 (SG/PR) or S$42,000 (foreigner)
Age
Age 21 or older
Apply effortlessly with
Simply log in with your Singpass and authorise the retrieval of your details from Myinfo.
Your application form is pre-filled and supporting documents waived if eligible.
If you do not have Singpass, you will need the following documents:
Documents for Singaporean/PR
If you are a Salaried Employee
- A copy of your NRIC/passport.
- Latest computerized pay slip or Income Tax Notice of Assessment.
If you are a Self Employed
- A copy of your NRIC/passport.
- Last 2 years' Income Tax Notice of Assessment.
Documents for Foreigner
- A copy of your passport and work permit (with minimum 6 months validity).
- A copy of utility/residential telephone/home broadband internet bill (excluding mobile phone bill) or bank statement with your name and address.
- Income Tax Notice of Assessment and latest computerized pay slip.
Frequently Asked Questions (FAQs)
Get quick answers on the important terms, features, and cash back conditions linked to your Citi Cash Back Card.
To enjoy bonus cash back on your Cash Back Card, spend a minimum of S$800 qualifying retail spend in a statement month. You can get up to 8% cash back on selected categories such dining, groceries, petrol and private commute. The total cash back you can earn is capped at S$80 combined across all qualifying retail spend per statement month.
Bonus cash back applies to eligible Dining, Grocery, Petrol and Private Commute transactions and you must spend at merchant establishments which have their credit card terminal set up with Merchant Category Codes (MCCs) and Transaction Descriptions (if applicable) that are classified as dining, grocery, petrol or private commute activities. The following are identified MCCs and Transaction Description.
| Categories | Cash Back % | Merchant Category Code (MCC) | Transaction Description |
| Private Commute | 8% | • MCC 4121 (Taxicabs and Limousines) | • GRAB • COMFORT/CITYCAB • GOJEK • CABCHARGE ASIA • TADA • RYDE • TRANSCAB • PREMIER TAXIS • STRIDES TAXI |
| Petrol | 8% | • MCC 5541 (Service Stations) • MCC 5542 (Automated Fuel Dispensers) | Not required |
| Dining | 6% | • MCC 5811 (Caterers) • MCC 5812 (Eating Places, Restaurants) • MCC 5814 (Fast Food Restaurants) | |
| Groceries | 6% | • MCC 5411 (Grocery Stores, Supermarkets) |
The cash back you accumulate on eligible purchases have no expiry date.
Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of S$10. Please note that you must accumulate a minimum of S$50 cash back before the billing cycle date for cash back to be credited to your statement. Cash back below S$50 or not being an integral multiple of S$10, will be used in the calculation of cash back for the next month’s statement.
You can refer to your monthly statement for the cash back earned under “TOTAL AVAILABLE” or you can refer to your Citi Mobile® App, cash back shown at the top of the dashboard. Please note that supplementary card cash back will rollover to the main card.
Yes. Total cash back is capped at S$80 per statement month across all qualifying retail spend on your Citi Cash Back Card.
Terms and Conditions
- By responding to any advertisement relating to the Citi Cash Back Card and providing your personal data, you consent to Citibank contacting you in respect of the Citi Cash Back Card including via the telephone.
- *Welcome offer eligible for new Citi Cardmembers only with S$800 qualifying spend in the first 2 months. Promotion valid till 31 March 2027. Click here to view the Citi Cash Back Card S$300 Cash Back Welcome Gift Promotion Terms and Conditions.
- ^You will receive cash back of 0.2% on all retail purchases, additional cash back of 7.8% on Private Commute and Petrol transactions worldwide and 5.8% on Dining and Groceries transactions worldwide, if you accumulate a total retail spend of S$800 or more in a statement month. The total cash back you can earn is capped at a combined S$80 across all retail spend per statement month. Please refer to FAQs for more information on cash back earned. Click here for the list of merchants and/or Merchant Category Codes (“MCC”) which will not earn Cash Back.
- Only cash back of S$50 and above will be credited automatically to your statement. For amounts above S$50, cash back will only be credited in an integral multiple of S$10. For more details, refer to the Cardmember’s Agreement.
- ^^Private Commute includes taxis and private-hire vehicle operators with MCC4121 such as Grab and Gojek. Click here for details.
- +Click here to view the Terms and Conditions on petrol promotions.
- #Instant disbursement is available only for Citibank Deposit Accounts displayed during the funds disbursement option.
- ~Click here Citibank Credit Card Online Member-Get-Member Promotion Terms and Conditions.
- Click here to view the Cardmember’s Agreement.
- Click here to view the Information Sheet.
- Click here to view the ABS Credit Card Guide.
- Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution.
- The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
 | Up to 8% Cash Back* |
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