Citi Cash Back has been a stellar credit card since its revamp in November 2020, giving as much as 8% for petrol and groceries and 6% for dining. All you had to do was to hit a minimum spend of S$800, watch out for its S$10 redemption blocks, and the generous earn rate was all yours. From 1st April 2024, however, Citi is dropping the earn rate to 6% specifically for groceries. At the same time, they are adding a new category of “Private Commute” which means cardholders can earn 8% cashback for taxi rides. I suppose it’s not an entirely bad change if you do spend quite a bit on cabs and ride-hailing apps, but most would probably agree with me when I say that this has been an overall nerf....