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Get ahead of rising costs with cashback cards

Coping with inflation doesn’t mean you have to step on the brakes when it comes to living your best life. Here’s how Citi’s cashback cards help you get more bang for your buck.

Get ahead of rising costs with cashback cards

Make your money work harder for you with help from the Citi Cash Back+ Card and Citi Cash Back Card. Photos: Citi

Feeling the pinch? You’re not alone. The escalating cost of living has dominated conversations in recent times. It’s no wonder why – with Singapore’s core inflation soaring to a 10-year high this year.

A touch of financial finesse can help you stretch your dollar further when it comes to your daily expenditure. There are strategies you can employ to make your money go the distance, from the use of digital budgeting tools to tapping on the latest credit card mechanics to maximise value.

You can also consider leveraging cashback cards. Citi offers two card options for users – the Cash Back+ Card with unlimited cashback, and the Cash Back Card with higher benefits on certain merchant categories. Here’s how the cards can help amplify rebates on expenditure.

EARN UNLIMITED CASHBACK ALL YEAR ROUND

Cashback operates on a simple premise – it’s a streamlined benefit built into credit cards that offers direct cash for every dollar spent.

Citi’s Cash Back+ Card allows users to earn a daily cashback of 1.6 per cent on all spend, all year round. One of the major draws of the card is that it requires no minimum spend for cashback to kick in, while also having no cap on cashback earned. This means conscientious consumers can make the most of this benefit regardless of their monthly budget or target expenditure.

What’s more, Citi allows users to redeem their cashback instantly on the go via a text message. To top it off, new applicants are rewarded with up to S$240 cash back1 on a qualifying spend of S$4,000 in the first two months.

LEVELLING UP YOUR CASHBACK GAME

Enjoy cashback when you dine out with the Citi Cash Back Card.

On the other side of the same coin, some cashback cards are designed to offer higher rebates when used for a specific purpose. The Citi Cash Back Card is suited for discerning folk who want to maximise cashback in areas such as transport, dining and grocery shopping.

Every driver loves a good petrol deal, no matter whether you are a parent ferrying the young ones around or a professional enjoying your first set of wheels. With Citi Cash Back Card, you can accrue up to 20.88 per cent in fuel savings at Esso and Shell outlets, and up to 8 per cent cashback at other petrol stations worldwide2. Perhaps it’s time to start planning that long-awaited road trip overseas?

Foodies also have much to cheer about – cardmembers enjoy up to 6 per cent cashback when dining at restaurants and cafes worldwide2. After all, the more cashback you get, the more you are able to invest in your next epicurean adventure.

With the increasing cost of daily necessities, who wouldn’t say yes to a good deal at the grocery store? With the Citi Cash Back Card, household heroes can earn up to 8 per cent cashback on groceries at supermarkets and grocery stores worldwide2. For maximum value, stack this with in-store promotions and discounts – this ensures restocking your pantry isn’t a budget-busting affair.

It’s also worth noting that the Citi Cash Back Card offers 0.25 per cent cashback on all other retail purchases2. For frequent travellers, there’s an added layer of assurance, with complimentary insurance coverage of up to S$1 million when you charge your travel tickets to the Citi Cash Back Card3.

For a limited period, Citi is offering new users a S$300 cashback4 welcome gift upon successful application and spend with the Citi Cash Back Card.

ALWAYS AHEAD

Besides cashback privileges, both the Citi Cash Back+ Card and Citi Cash Back Card offer access to a raft of features such as Citi World Privileges and Citi Quick Cash. Apply for a personal loan with Citi Quick Cash, which offers interest rates from as low as 3.45 per cent per annum for a tenure period of 36 months, with effective interest rate at 6.5 per cent per annum5, and a credit line of up to eight times your monthly income6 with no application fee.

Whether you’re looking to save a pretty penny or get the most value out of your spend, daily cashback can go a long way towards making your money work harder for you.

Get ahead and apply for one of Citi’s cashback cards.

All promotions featured are subject to terms and conditions. Conversion rates are accurate at the time of publication, but may be subject to change. Visit Citi for the latest conversion rates. 

1Terms and conditions apply. Apply for the Citi Cash Back+ Card.
2You will receive cashback of 0.25 per cent on all retail purchases, additional cashback of 5.75 per cent on dining, 7.75 per cent on groceries and/or 7.75 per cent on petrol transactions worldwide, if you accumulate a total retail spend of S$800 or more in a statement month. The total cashback you can earn is capped at a combined S$80 across all retail spend per statement month. Refer to the FAQs for more information.
3Terms and conditions apply. Complimentary travel insurance is underwritten by AIG Asia Pacific Insurance and extent of coverage is subject to the terms of policy. Customers are required to charge the full fare of their travel ticket to their Citi Cash Back Card to activate their complimentary travel insurance before they travel. 
4Terms and conditions apply. Apply for the Citi Cash Back Card.
5Applicable for new Citi credit card or Citibank Ready Credit customers only. Citi Quick Cash terms and conditions apply.  
6For applicants with an annual income of S$120,000 and above; subject to Citi’s approval.

 

 

 

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