What are the rewards and highlights of referring a friend to the Citi Cash Back Visa Card?

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.

Generally speaking, I find this card to be pretty good card as quite a number of the merchants that they partner with for the promotions are those whom I visit frequently to earn a decent cash rebate from my purchases and overall spending. And not until recently did I realize that one can get to earn additional bonus cashback with minimum spending of $888 in the statement month, so therefore with proper planning on all your bigger purchase it can help you gain more cash rebates faster.

Best card ever! I have been using their Citibank Credit Cards since 8 years ago. They are probably the pioneers of cashback cards in Singapore essentially changing from their Dividend card to Cashback card. I would like to point out that with this card you can get cash back by charging to the card and also get rebates or discounts for Lazada purchases and Petrol station top up too.

This card has not been pleasant for me, as a matter of fact I am having regrets about it. The card charges me interest every month despite me ensuring to pay up the full figure. I am left to assume that maybe these monthly interest were incurred due to lead-time of requesting them to rectify the previous error. Whatever the reasons may be, I just know that I am not happy with this card presently.

Even as all forms of customer service is done online one would expect that they would make the online customer service seamless however bad customer service is making it difficult for me to commute when problems arises. I even went further to send emails through my account asking them to return my call back, but received none till date save for tons of calls from their marketing department promoting their loans and other services

In respect to the cashback, I was informed that we need to accumulate 50 points before we can redeem it out. This prompted me to be using the card very frequent, but still the percentage of cashback was so low that I only succeeded in reaching 30 points. I have to say this is not a good system and there are better cashback cards out there.

I have held this card for quite a long time and one thing I like about the card is the fact that it is used for CapitaLand malls and they are almost everywhere. So I enjoy dining taking advantage of the 10x rewards merchants to accumulate the points faster. Imagine getting close to 6.5% rebates on dining. Not to forget their sign up bonus of $60 rebates in vouchers when you spend $1,500. That's a 4% rebate excluding the points you will earn which will convert into vouchers too.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

The delivered on the promise of purchase Protection of up to 90 days when ensured reimbursement on an eligible online purchases I made with my Amex Express Gold Card. Irrespective where you buy online or shopping at the local supermarket, their Purchase Protection offers repair, replacement or reimbursement on eligible purchases made with the Card, that has been damaged or stolen within 90 days of purchase.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.

Very impressed by the complimentary night stay I got after I made bookings for a five nights stay at a resort I spent my birthday at in Malaysia. Even more pleasing was the complimentary golf games at a high quality golf courses in Malaysia. As a matter of fact, I had as much as six complementary golf games.