Citi Cash Back Card: Best Cash Back Card for Foodies

Citi Cash Back Card: Best Cash Back Card for Foodies

Best cash back card for average spenders looking to benefit from everyday purchases

Good for

  • People who spend a lot on food & transport
  • Consumers who balance eating in & dining out

Bad for

  • Social spenders & frequent shoppers
  • Lower spenders looking for a no-fee card

Editor's Rating


Citi Cash Back Card is one of the best cards on the market for spend on food and transport. With 8% cash back on groceries, dining, and petrol worldwide–plus discounts of up to 20.88% specifically at Esso & Shell–cardholders are easily rewarded for purchases that make up a significant portion of most household budgets. While there's a S$888 minimum, average spenders meeting this mark can earn up to S$75/month–one of the higher earning potentials on the market. Ultimately, Citi Cash Back Card is the best way to earn on your food and petrol spend.

  • 8% cash back on dining, groceries, & petrol (worldwide)
  • Free travel insurance
  • Up to 20.88% fuel savings at Esso & Shell in SG
  • Up to S$120 cash rebate welcome gift
  • High S$192.60 fee (1-year waiver)
  • High S$888 minimum spend required to access rates
  • Non-specified retail expenditures only receive 0.25% rebate

What Makes Citi Cash Back Credit Card Stand Out

Citibank’s Citi Cash Back Card is a perfect ‘everyday’ card for average spenders looking to benefit from food and petrol transactions. The biggest benefit of the card is its flexibility and convenience. The robust 8% rebate applies to all transactions across dining and groceries, rather than limiting consumers to specific merchants. Consumers can earn cash back from everything from fast food to fine dining, caterers to convenience stores, supermarkets to specialty markets and more, which tend to be the biggest spending areas for most. Petrol cash back is also flexible; consumers receive fuel savings of up to 20.88% Shell and Esso but are also eligible for 8% rebate at any other stations.

Because spending within these categories and guidelines is so easy, it makes sense that Citibank’s Citi Cash Back Card also has a few restrictions in place. The monthly minimum spend required to unlock cashback rates of 8% is S$888. Furthermore, the 8% cash is capped at S$25 per category (for a total of S$75) per month. While this cap is fairly generous, it may be a bit limiting for high-spenders who can easily reach the minimum monthly spend or low spenders who might not be reach the required minimum spend. However, average spenders (approximately S$1.5k to S$3k expenditures per month) should still be able to benefit handsomely from the Citi Cash Back Card.

Spending CategoryRebateMonthly Cap
Dining7.75% bonus+ 0.25%S$25 for 7.75%
Groceries7.75% bonus+ 0.25%S$25 for 7.75%
Petrol7.75% bonus+ 0.25%S$25 for 7.75%
All others0.25%Unlimited

In final consideration, the Citi Cash Back Card has an annual fee of S$192.60, which is only waived for the first year. However, welcome bonuses, privileges, and ongoing promotions may offset this cost. For example, Citibank generally offers a welcome cashback bonus to new cardholders upon approval. Also, cardholders get access to Citi World Privileges and Citibank Gourmet Pleasures. Altogether, benefits may balance annual fees, allowing the Citi Cash Back Card to shine as a great option for everyday cash back.

How Does Citi Cash Back Card's Rebate Program Work?

Use our quick and easy-to-read guide below to learn how you can actually redeem Citi Cash Back Card's rewards.

  • Every 1 dollar of cash back earned is equal in value to S$1
  • Cash back is credited to the cardholder’s account monthly, on the date of the account statement
  • The minimum amount for cash back withdrawal is S$50 (and thereafter, multiples of S$10)
  • While cash back does not expire, it is automatically forfeited when an account is closed
  • Cash back cannot be combined or transferred

Citi Cash Back Card's Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesAnnual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank)
Transfers & Bill PaymentsFunds transfers using the card as source of funds, bill payments (including via Citibank Online or via any other channel or agent)
Institutional PaymentsPayments to educational institutions, government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases), insurance companies (sales, underwriting, and premiums), financial institutions (including banks and brokerages), non-profit organizations
Betting or GamblingLottery tickets, casino gaming chips, off-track betting, and wagers at race tracks, through any channel
Payment Service ProvidersAny top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts
TransitAll transit-related transactions

Citi Cash Back Credit Card's Features and Benefits:

Details & Benefits
Annual FeeS$192.6, Waived for 1 year
Annual Income RequirementS$30,000 for locals S$42,000 for foreigners
Card Details
  • 8% cash back on dining, groceries & petrol (worldwide)
  • Up to 20.88% fuel savings at Esso & Shell in SG
  • 0.25% cash back on all other retail transactions
  • S$75 monthly cap on cashback above 0.25%, no cap for total cashback
  • Free travel insurance
  • Citibank Gourmet Pleasures & Citi World Privileges
  • Up to S$120 cash rebate welcome gift

How does the Citi Cash Back Card Compare Against Other Cards?

Read our comparisons of Citi Cash Back Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

Citi Cash Back Card is in the top 3 of Singapore’s cash back credit cards in terms of value-to-consumer after two years, based on an average monthly spend of S$2,000

Citi Cash Back Card v. OCBC 365

Consider this if you want a no-fee cashback card for food purchases, utilities and online travel bookings

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

Compared to Citi Cash Back Card, OCBC 365 offers elevated cash back rates across a broader range of spend categories, including travel transactions and recurring bills. This card also provides an annual fee waiver for those who spend S$10,000 per year. OCBC 365 also caps cashback at S$80 per month, which is S$5 more than for the Citi Cash Back Card. Overall, consumers with decentralized spending across food, transport, utilities and online travel bookings could benefit more from the OCBC 365 Card, while those who spend a significant portion of their budget on food and petrol might be better served by Citi Cash Back Card.

Citi Cash Back Card v. Citi SMRT Card

Consider this if you want to earn cash back on your daily commute on public transit

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Young professionals with a limited budget looking for cash back on daily purchases (including EZ-Reload auto top-ups) may benefit from Citi SMRT Card. Citi SMRT Cardholders immediately earn high cash back rates, with no minimum qualifying spend, across a broad range of spend categories (including online shopping and entertainment). The card also offers up to 2% savings on EZ Reload top-up transactions and waives the convenience fee charges. However, the Citi SMRT Card is not as flexible as the Citi Cash Back Card, which is not limited to specific merchants. Those who regularly spend at least S$888 monthly, however, can earn cash back more easily and without merchant restrictions through the Citi Cash Back Card.

Citi Cash Back Card v. POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, utilities, personal care, and petrol

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

The POSB Everyday Card would especially benefit mothers and families with rebates for spend with select merchants across most spend categories. While the Citi Cash Back Card offers higher cash back rates for specific categories, the POSB Everyday Card offers rebates across a broader range including food, utilities, telecom bills and personal care. This wide variety of benefits allows mothers and families who spend on essentials to earn rewards quickly.

Citi Cash Back Card v. Maybank Family & Friends Card

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Consumers who frequently travel between Singapore and Malaysia would benefit from the cross-border flexibility of the Maybank Family & Friends Card. Maybank Family & Friends Card offers cash back rates up to 8% on groceries, transport, and several other categories in both countries. However, this rate only applies to a very few select merchants and requires a minimum qualifying spend of S$1,000 (as compared to S$888 for Citi Cash Back). However, this card's high rebates are capped at S$600 annually, or S$50 per month - far less than what cardholders can earn with Citi Cash Back. The primary benefit of the Maybank Family & Friends Card is that its network of merchants spans both Singapore and Malaysia, making it easier for frequent cross-border travellers to earn rewards. The Citi Cash Back Card, on the other hand, would prove more beneficial as an everyday cash back option for those who spend most of their time in Singapore.

Citi Cash Back Card v. UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

The UOB One Card can be a great option for those who consistently spend about S$2,000 every single month. For instance, those who spend at least S$2,000 per month for 3 consecutive months are eligible for the greatest cash back rate of 5% on all spend, capped at S$100 per month (S$300 per quarter). This feature is especially helpful for those whose expenditures are spread out across many different spending categories outside of food & transportation. However, this reward decline dramatically to S$50/month for those who miss the S$2,000 requirement even for 1 month. But, if your spend is mostly concentrated in food & petrol, Citi Cash Back Card is still a great option to consider.

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