Citi Cash Back
Cashback card by Citi · Many hurdles · Min S$800 a statement, Small cashback cap
Earns 8% on petrol and private commute (Grab, Gojek, taxis). Everything else in S$ earns 0.2%. Annual fee: S$196.20.
Checked against Citi's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Petrol and private commute (Grab, Gojek, taxis) | Any way of paying | 8% |
| Dining and groceries (supermarkets) | Any way of paying | 6% |
| Everything else, in S$ | Any way of paying | 0.2% |
| Everything else, in a foreign currency | Any way of paying | 0.2% |
The bank's full earning rules
- 8% (0.2% + 7.8%) on Petrol and Private Commute, worldwide, with S$800 minimum spend per statement month.
- 6% (0.2% + 5.8%) on Dining and Groceries, worldwide, with S$800 minimum spend per statement month.
- 0.2% on all other retail purchases (from 1 Apr 2024).
- Total cashback capped at S$80 per statement month across all spend.
Where the bonus applies
- Petrol: MCC 5541, 5542
- Private commute: MCC 4121 and Grab, ComfortDelGro/CityCab, Gojek, Cabcharge Asia, TADA, Ryde, Trans-cab, Premier Taxis, Strides Taxi
- Dining: MCC 5811, 5812, 5814
- Groceries: MCC 5411
Earns nothing on
- Per the Cardmember's Agreement
- Never earn (Citi Rewards Exclusion List, effective 16 Dec 2024), by MCC: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513…
- Never earn, by merchant or statement description (same list; not exhaustive, any combination or part of these counts): AXS, AMAZE*AXS…
Fees and limits
Good to know
Bonus needs S$800 of qualifying spend (posted) in the statement month; total cashback capped at S$80 per statement month, no per-category caps.
Private commute = taxis and ride-hailing (MCC 4121 plus Grab, ComfortDelGro/CityCab, Gojek, TADA, Ryde and others), not MRT or bus. Food delivery counts only if coded as a restaurant (MCC 5811/5812/5814).
Cashback is redeemable once you've accumulated S$50.
Where these facts come from
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