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| Monthly Spend | S$ 1K | S$ 2K | S$ 4K | S$ 6.5K | S$ 10K |
|---|---|---|---|---|---|
| Net Reward Yield | 2.2% | 1.7% | 1.7% | 1.2% | 0.8% |
| Est. Monthly Reward (S$) | 20 | 30 | 65 | 80 | 80 |
| All-Singapore Rewards Rank* | 17 | 30 | 24 | 33 | 48 |
| Within Bank Rank* | 1 | 3 | 1 | 4 | 6 |
| * Based on est. net reward yield for more than 70 credit cards in Singapore, for each monthly spending level. Read about how we calculate the net reward yield here & here. | |||||
The Citi Cash Back Card gives 8% cashback on Groceries and 6% cashback on Dining as long as you charge at least S$800 to the card each month.
All other spending earns a 0.25% cashback with total cashback capped at S$80 each month.
Overall, we estimate you can earn a reward yield of 0.8-2.2% on all spending with this card in a month.
The best cards in Singapore offer a net reward yield of 2.5-4.8%.
As a result, the Citi Cash Back doesn’t rank very well in our lists of the best cards in Singapore.
However, it has a very high reward rate of 6-8% on key categories of Groceries and Dining, with very high monthly cashback cap ($80). This makes it a fantastic card to use in combination with other cards.
It is our preferred pick for high spending customers who don’t mind juggling two or more cards.
We recommend using the Citi Cash Back as a dedicated card for Groceries and / or Dining and to use another card (ideally the KrisFlyer UOB) for all other transactions.
| Card | Citi Cash Back Card |
|---|---|
| Card Type | Cashback |
| Cashback Features | 8% cashback* on Groceries
6% cashback* on Dining 0.25% cashback on all other spends *subject to a monthly minimum spend of S$800 |
| Cashback Caps | S$80 per month |
| Other Rewards & Benefits | – Complimentary Travel Insurance up to S$1,000,000
– 20.88% savings on Shell & Esso – 10% off at Ryan’s Grocery – 10% off at Lawry’s The Prime Rib Singapore |
| Preferred Redemption Method | Cashback |
| Card | Citi Cash Back Card |
|---|---|
| Income Criteria | S$30,000 |
| Annual Fee | S$194.40 |
| Min. Annual Credit Card Spend for Fee Waiver |
N/A |
| Supplementary Card Fee | Free (2 Cards) |
| Interest Rate | 26.90% |
| Foreign Currency Markup | 3.25% |
| Cash Advance Charge | 6% or S$15, whichever is higher |
The Maybank Family & Friends Credit Card is the best credit card in Singapore if you charge less than S$4,000 a month to your card.
It has the highest cashback rate of 8% on 5 spending categories of your choice and also the highest monthly cashback cap of S$125.
We estimate you can earn a reward yield of 3.0 – 4.8% with this card on monthly spends between S$800 – 4,000.
The KrisFlyer UOB Credit Card is the best rewards card in Singapore for monthly spends above S$4,000 a month.
You can earn up to 3 miles per dollar spent with this card on dining, travel & online fashion and 1.2 miles per dollar on most other transactions.
We estimate you can earn a reward yield of 2.5 – 2.8% on all your spending with this card.
The Citi Cash Back+ is the best cashback credit card if you spend more than S$7,800 a month on your card. Its cashback rate of 1.60% with no caps, overall or by category, is one of the highest in Singapore.
Learn more about which is the best card for you by reading our pieces on the best rewards card, the best cashback card and the best card combos in Singapore.
If you drive, consider our piece on the best card for petrol and if you’re a travel bug, read about the best card for travel.
Questions? Suggestions? See a mistake? Write to us!
2.2 VOYAGE Miles / S$1 on Foreign Spends and 1.3 Miles on Local Spends. Unlimited Complimentary Airport Lounge Visits. Above average but not great, high fee.
3.2 KrisFlyer mpd on Grab, 2 mpd on Singapore Airlines & KrisShop and 1.2 miles on the rest. Overseas spends earn 2 mpd in June & December only.
6.67% cashback on Shopee, Grab, SimplyGo, Giant, Cold Storage, CS Fresh, Jasons & UOB travel. All other spending earns 3.33% cashback capped at S$200 / Qtr.
