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Citibank Singapore Cards review

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

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Our verdict

Citibank Singapore Cards suit you if you want a fee-free Mastercard debit card alongside a cashback credit card. The debit card charges a monthly fee of SGD 0 and pays no interest on cash, while the credit card pays 1.6% back with an annual fee of SGD 196.20.

Key facts

Best for
Singaporean residents who want a Mastercard for everyday spending and a cashback credit card alongside it.
Annual fee
SGD 196.20 (Source, checked September 26, 2026)
Currency conversion fee
0% to 2.5% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
1.6% cash back, no minimum spend, no cap (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Cashback rate
1.6% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Citibank Singapore Ltd (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
citibank.com.sg

Debit cards

Monthly fee
SGD 0 (Source, checked September 26, 2026)
Currency conversion fee
0% to 2.5% (Source, checked September 26, 2026)
Free ATM withdrawals
SGD 0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Currencies
15 (Source, checked September 26, 2026)
Legal entity
Citibank Singapore Ltd (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediainstagram.com

Pros and cons

Pros

  • The debit card has a monthly fee of SGD 0 and runs on the mastercard network
  • The credit card pays 1.6% cash back, no minimum spend, no cap, with no minimum spend and no cap
  • The Citi PayLite Bundle converts the first retail transactions above the stated threshold with no processing fee
  • Support reaches you by phone and help centre, including phone and a help centre

Cons

  • The credit card carries an annual fee of SGD 196.20, which sits above the cashback median of €0
  • Free ATM withdrawals are SGD 0, so cash machine use is a charge
  • Currency conversion fees run 0% to 2.5% on the wallet account, against a credit group median of 1.85%
Citibank Singapore Cards

Ready to try Citibank Singapore Cards?

Scored 8.8 / 10 by DebitCue.

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Who it suits

  • Singaporean residents wanting one bank for a debit card and a credit card
  • People who spend on dining and retail and want cash back at 1.6%
  • Travellers who want a wallet holding 15 currencies

Who should look elsewhere

  • Anyone who wants a credit builder with a $0 annual fee, since Varo Believe Secured Credit Card charges none
  • Spenders who convert currency often and want the lower fees Wise offers on its card
  • Anyone building credit history with no other history, where the Chime Card (Secured Visa Credit Card) is a closer fit with a $0 annual fee

Fees and currency costs

The credit card charges an annual fee of SGD 196.20, which is a real cost to weigh against the 1.6% back it pays. The debit card has a monthly fee of SGD 0 and runs on Mastercard. Cash withdrawals are not free: the free allowance is SGD 0. On the wallet account, currency conversion fees run 0% to 2.5%, while the credit card group median runs 1.85%.

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 does the Citibank Singapore credit card cost each year?+

The annual fee is SGD 196.20. That is the main cost, and it sits well above the cashback card median of €0 across the site. The card pays 1.6% back, so you need steady retail and dining spend for the cash back to make sense.

Is there a fee for the debit card?+

The debit card has a monthly fee of SGD 0, and it runs on the mastercard network. It is a separate card from the cashback credit card, so you can hold one or both.

Can I withdraw cash free from an ATM?+

The free ATM allowance is SGD 0, so cash machine withdrawals are a charge. Most cards on the site sit near the same median of €0, so treat cash as a cost and use your own account where you can.

What do I pay for currency conversion?+

Currency conversion fees run 0% to 2.5% on the wallet account. The wallet also covers 15 currencies, and the Citi PayLite Bundle converts the first retail transactions above its stated threshold with no processing fee, which is the cheapest way to use it.

What rewards does the credit card pay?+

The rewards rate is 1.6% cash back, no minimum spend, no cap, and the rewards type is cashback. There is no minimum spend and no cap, so the 1.6% applies to qualifying retail and dining spend without a ceiling.

Who is this card for?+

It suits people in Singapore who want a bank that issues both a Mastercard debit card and a cashback credit card. The 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 add dining and shopping offers and instalment conversion of the statement balance for larger spends.

How do I get help from the bank?+

Support runs on phone and help centre, which includes phone and a help centre. A help centre is the most common channel on the site at 75.6%, and phone is close behind at 67.3%.

Which company issues these cards?+

The issuing entity is Citibank Singapore Ltd, based in Singapore. Both the debit card and the cashback credit card come from the same Singapore bank, which is convenient if you want one relationship for both.

Sources

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

Not confirmed yet: APR.

Citibank Singapore Cards

Citibank Singapore Cards

Singaporean residents who want a Mastercard for everyday spending and a cashback credit card alongside it.

8.8/10See alternatives