Citi Cash Back Card cashback rate, cap and annual fee
Citi Cash Back Card pays 8% on fuel — on the first SGD 1,000 you spend on it each month, which is where the SGD 80 cap stops it. Nothing at all below SGD 800 of spending a month — SGD 9,600 across a year. The card costs SGD 196.20 a year.
Citibank · Singapore · catalogue v101
Read from Citibank's own published terms on 12 Sep 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| fuel | 8.00% | SGD 80reached at SGD 1,000 of spendPetrol and private commute: 0.2% base plus 7.8%. Counts toward the S$80 ceiling shared across the whole card. Needs S$800 of retail spend in the state |
| dining | 6.00% | SGD 80reached at SGD 1,300 of spendRestaurants: 0.2% base plus 5.8%. Shares the S$80 ceiling. |
| groceries | 6.00% | SGD 80reached at SGD 1,300 of spendSupermarkets: 0.2% base plus 5.8%. Shares the S$80 ceiling. |
| everything else | 0.20% | SGD 80reached at SGD 40,000 of spendEverything else, and every category in a month you miss the S$800 minimum. Shares the S$80 ceiling. |
Questions people ask
What cashback does the Citi Cash Back Card pay?
8% on fuel, 6% on dining, 6% on groceries and 0.2% on everything else.
Is there a cap on the Citi Cash Back Card?
Yes — SGD 80 a month across the whole card, however you split your spending.
What is the annual fee on the Citi Cash Back Card?
SGD 196.20 a year.
Is there a minimum spend on the Citi Cash Back Card?
Yes — SGD 800 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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