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Citibank Singapore Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Citibank Singapore Cards suits customers who want cashback rewards or a Mastercard debit card with a monthly fee of SGD 0. The credit card offers cashback of 1.6%, but its annual fee of SGD 196.20 and currency conversion fee of 0% to 2.5% make costs important to compare before applying.

Key facts

Best for
Singapore residents who want cashback or a Mastercard debit card with no monthly fee.
Annual fee
SGD 196.20↗
Currency conversion fee
0% to 2.5%↗
Rewards type
Cashback↗
Rewards rate
1.6% cash back, no minimum spend, no cap↗
Perks
Citi World Privileges dining and shopping offers, Citi PayLite Bundle: first three retail transactions of min S$500 converted with no processing fee, Citi FlexiBill instalment conversion of statement balance, Citi Quick Cash Loan↗
Cashback rate
1.6%↗
Card kind
Credit↗
Legal entity
Citibank Singapore Ltd↗
Headquarters
Singapore↗
Support channels
Phone, Help-centre↗
Features
Rewards
Official website
citibank.com.sg

Debit cards

Monthly fee
SGD 0↗
Free ATM withdrawals
SGD 0↗
Card type
Debit↗
Card network
Mastercard↗
Currencies
15↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediainstagram.com

Pros and cons

Pros

  • Cashback rewards are available on the credit card at 1.6% cash back, no minimum spend, no cap.
  • The debit card has a monthly fee of SGD 0.
  • The debit card uses Mastercard and the listed free ATM allowance is SGD 0.
  • Support is available by phone and help centre through phone and help centre.

Cons

  • The credit card has an annual fee of SGD 196.20.
  • The currency conversion fee is 0% to 2.5%.
  • The debit card has SGD 0 in free ATM withdrawals.
Citibank Singapore Cards

Ready to try Citibank Singapore Cards?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Customers prioritising cashback rewards on a credit card
  • Customers looking for a Mastercard debit card with a monthly fee of SGD 0
  • Customers who value phone and help-centre support

Who should look elsewhere

  • bunq if a Mastercard debit card and the listed Citibank Singapore card features are not needed
  • Varo Believe Secured Credit Card if the priority is a secured credit card rather than the listed cashback credit card
  • Wise if the priority is a different card proposition with a separate annual fee of £0

Fees and currency costs

The credit card has an annual fee of SGD 196.20. The listed currency conversion fee is 0% to 2.5%, so overseas spending and foreign currency use should be checked against the card terms. The debit card has a monthly fee of SGD 0, while its listed free ATM withdrawal allowance is SGD 0.

Who runs it

Citibank Singapore Ltd is the legal entity, with headquarters in Singapore. Support is available by phone and through the help centre under phone and help centre. The card information also lists Citi World Privileges offers, Citi FlexiBill instalment conversion and Citi Quick Cash Loan as additional features.

How Citibank Singapore Cards compares

Where Citibank Singapore Cards is available

Available
Singapore

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What types of cards does Citibank Singapore Cards offer?+

Citibank Singapore Cards includes a credit card with cashback and a debit card option. The credit card is a credit product, while the debit card is a debit product. The debit card uses Mastercard and has a monthly fee of SGD 0.

What fees apply to Citibank Singapore Cards?+

The credit card has an annual fee of SGD 196.20. The debit card has a monthly fee of SGD 0. Customers should compare the regular card costs with the cashback and other card features before applying.

How much cashback does the Citibank Singapore credit card offer?+

The credit card offers cashback of 1.6%. Its rewards are described as 1.6% cash back, no minimum spend, no cap, including no minimum spend and no cap, subject to the stated card terms.

What is the currency conversion fee?+

The currency conversion fee is 0% to 2.5%. This applies to the relevant card usage described by the product information, so customers should check the card terms before making foreign currency transactions.

What network and ATM allowance does the debit card have?+

The debit card is a Mastercard card. The listed free ATM withdrawal allowance is SGD 0, so customers who rely on cash withdrawals should review this amount before choosing the card.

How can customers get support?+

Support is available by phone and through the help centre, as listed under phone and help centre. Customers can use these support channels for questions about the cards and their listed features.

What additional features are available?+

The card includes Citi World Privileges dining and shopping offers, Citi FlexiBill instalment conversion of the statement balance and Citi Quick Cash Loan, as listed under Citi World Privileges dining and shopping offers, Citi PayLite Bundle: first three retail transactions of min S$500 converted with no processing fee and Citi FlexiBill instalment conversion of statement balance. These are additional card features to consider alongside the fees.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

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