| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| Citi Cash Back Card | 8% Petrol, worldwide · 8% Private commute: taxis and ride-hailing (Grab, Gojek) · 6% Dining, worldwide | S$800 a month | S$80 a month | S$196.20 |
| Citi Cash Back+ Card | 1.6% on everything | none | no overall cap | S$196.20 |
| Citi SMRT Card | 5% Supermarkets · 5% Online spend (excluding mobile wallets and travel) · 5% SimplyGo bus and MRT, taxis and ride-hailing | S$500 a month | SMRT$600 per 12 months | S$196.20 |
| Citi M1 Card | 5% Entertainment: cinemas, ticketing and streaming · 3% M1 bill · 3% M1 Shop | none | no overall cap | S$196.20 |
Citi Cash Back Card
8% on petrol and on taxis and ride-hailing, 6% on dining and groceries, once you spend S$800 a statement month, up to S$80 a month in total.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Petrol, worldwide | 8% | within card cap | S$800 |
| Private commute: taxis and ride-hailing (Grab, Gojek) — public transport is excluded | 8% | within card cap | S$800 |
| Dining, worldwide | 6% | within card cap | S$800 |
| Groceries, worldwide | 6% | within card cap | S$800 |
| Everything else eligible | 0.2% | within card cap | none |
- Minimum spend: S$800 a month. S$800 of retail spend in the statement month; below it, everything earns 0.2%
- Cap: S$80 a month. S$80 a statement month in total, base included, shared with supplementary cards
- Annual fee: S$196.20
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa or Mastercard credit card
What doesn't earn cash back
- bill payments, fund transfers and top-ups of wallets and prepaid accounts
- education, insurance, government services (including parking and tax) and financial institutions
- charities and gambling
- fees, interest, cash advances, instalment plans and balance transfers
- public transport and other transit transactions
Sources: Citi Cash Back Card; Citi Cash Back Card cardmember's agreement (PDF); Citi Cash Back Card information sheet (PDF); Citi rewards exclusion list (PDF). Checked 13 October 2026.
Citi Cash Back+ Card
A flat 1.6% on eligible spend with no minimum and no cap.
Citi Plus customers who hold a Citi Interest Booster Account get an extra 0.4% when they spend S$500 in a calendar month, up to S$8 a month.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Everything else eligible | 1.6% | none | none |
- Minimum spend: none. No minimum spend
- Cap: no overall cap. No cap on the 1.6%
- Annual fee: S$196.20
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Mastercard credit card
What doesn't earn cash back
- bill payments, fund transfers and top-ups of wallets and prepaid accounts
- education, insurance, government services (including parking and tax) and financial institutions
- charities and gambling
- fees, interest, cash advances, instalment plans and balance transfers
Sources: Citi Cash Back+ Card; Citi Cash Back+ cardmember's agreement (PDF); Citi Cash Back+ bonus cash back terms (PDF). Checked 13 October 2026.
Citi SMRT Card
5% on supermarkets, online spend and transport — including SimplyGo fares, taxis and ride-hailing — from S$500 a month, paid as SMRT$ worth S$1 each.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Supermarkets | 5% | within card cap | S$500 |
| Online spend (excluding mobile wallets and travel) | 5% | within card cap | S$500 |
| SimplyGo bus and MRT, taxis and ride-hailing | 5% | within card cap | S$500 |
| Everything else eligible | 0.3% | within card cap | none |
- Minimum spend: S$500 a month. S$500 of qualifying spend in the statement month; below it, everything earns 0.3%
- Cap: SMRT$600 per 12 months. Paid as SMRT$ (1 SMRT$ = S$1), up to SMRT$600 in any 12 months from card issue or renewal — we count S$50 a month
- Annual fee: S$196.20. Waived for the first two years
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa credit card
What doesn't earn cash back
- bill payments, fund transfers and top-ups of wallets and prepaid accounts
- education, insurance, government services (including parking and tax) and financial institutions
- charities and gambling
- fees, interest, cash advances, instalment plans and balance transfers
Sources: Citi SMRT Card; Citi SMRT$ rewards programme terms (PDF). Checked 13 October 2026.
Citi M1 Card
A co-brand card for M1 customers: 5% on cinemas, ticketing and streaming and 3% on the M1 bill, with no minimum spend, paid as Citi M1 Rebate.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Entertainment: cinemas, ticketing and streaming — the S$60 cap is on the 4.7% bonus | 5% | S$60 a month | none |
| M1 bill — only at M1 — on the first S$300 of M1 charges a month | 3% | none | none |
| M1 Shop | 3% | none | none |
| Everything else eligible | 0.3% | none | none |
- Minimum spend: none. No minimum spend. The rebate goes towards M1 bills, cash rebates or KrisFlyer miles
- Cap: no overall cap. No overall cap
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa credit card
What doesn't earn cash back
- bill payments, fund transfers and top-ups of wallets and prepaid accounts
- education, insurance, government services (including parking and tax) and financial institutions
- charities and gambling
- fees, interest, cash advances, instalment plans and balance transfers
Sources: Citi M1 Card; Citi M1 Card agreement and cash rebate programme (PDF). Checked 13 October 2026.
Questions and answers
What is the minimum spend on the Citi Cash Back Card?
S$800 of eligible spend a month. S$800 of retail spend in the statement month; below it, everything earns 0.2%.
What is the cash back cap on the Citi Cash Back Card?
S$80 a month. S$80 a statement month in total, base included, shared with supplementary cards.
Is there an annual fee on the Citi Cash Back Card?
S$196.20 a year, including GST.
What is the minimum spend on the Citi Cash Back+ Card?
There is no minimum monthly spend: the Citi Cash Back+ Card pays its rates from the first dollar of eligible spend.
What is the cash back cap on the Citi Cash Back+ Card?
There is no overall monthly cap. No cap on the 1.6%.
Is there an annual fee on the Citi Cash Back+ Card?
S$196.20 a year, including GST.
What is the minimum spend on the Citi SMRT Card?
S$500 of eligible spend a month. S$500 of qualifying spend in the statement month; below it, everything earns 0.3%.
What is the cash back cap on the Citi SMRT Card?
SMRT$600 per 12 months. Paid as SMRT$ (1 SMRT$ = S$1), up to SMRT$600 in any 12 months from card issue or renewal — we count S$50 a month.
Is there an annual fee on the Citi SMRT Card?
S$196.20 a year, including GST. Waived for the first two years.
What is the minimum spend on the Citi M1 Card?
There is no minimum monthly spend: the Citi M1 Card pays its rates from the first dollar of eligible spend. The rebate goes towards M1 bills, cash rebates or KrisFlyer miles.
What is the cash back cap on the Citi M1 Card?
There is no overall monthly cap.
Is there an annual fee on the Citi M1 Card?
S$196.20 a year, including GST. Waived for the first year.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- UOB cashback cards
- HSBC cashback cards
- Standard Chartered cashback cards
- Trust Bank cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.