Citi Cash Back+ Card

Citi Cash Back+ Card

The Citi Cash Back+ Card is a hassle-free unlimited cashback card, perfect for high-spenders that allows you to earn 1.6% cashback on all your spending, with no minimum spend or cap. The cashback you received never expires and can be redeemed via SMS instantly. You also get to enjoy up to 17% discounts on Caltex, Esso and Shell petrol stations.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
None
Min. Annual Income
S$ 30,000
3 Offers Available
Get 1x chance to win a VIP Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
  • SingSaver Giveaway promotion runs from 16 April 2025, 9:00 AM SGT to 4 May 2025.
  • Promotion is valid for new applicants of American Express / Citi / HSBC / Standard Chartered credit cards or IG / Longbridge / Webull stock brokerages only.
  • Apply for participating credit card or stock brokerage products during the promo period to receive 1x chance to win a VIP Suite Concert Experience!
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
SingSaver Exclusive Offer
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson Supersonic™ hair dryer (worth S$649)
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$649)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson V12 Origin (worth S$749)
SingSaver Exclusive Offer
Dyson V12 Origin (worth S$749)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
  • SingSaver Exclusive promotion is valid until 1 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for a Reward Upgrade.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.

Things to consider

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No rebate cap

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No monthly spend required

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Annual Fee waiver

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High-value gift

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Benefits

Cashback

commute
Cashback Transport
1.6  %
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Cashback Department Store
1.6  %
luggage
Cashback Travel
1.6  %
shopping_cart
Cashback Supermarket
1.6  %
sell
Cashback Retail
1.6  %
local_gas_station
Cashback Petrol
1.6  %
shopping_bag
Cashback Overseas Online Shopping
3.25  %
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flight
Cashback Overseas
3.25  %
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Cashback Online Bill Payment Spending
1.6  %
shopping_bag
Cashback Local Online Shopping
3.25  %
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location_on
Cashback Local
Up to 3.25  %
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health_and_safety
Cashback Health
1.6  %
contactless
Cashback Contactless Spend
1.6  %
restaurant
Cashback Dining
1.6  %
credit_card
Cashback Base Rate
1.6  %
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Quick Facts

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3.25% cashback on FX spends in select countries. Valid till 28 Feb 2025. Terms and Conditions apply.

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1.6% cashback on all eligible spending with no minimum spend and no cap.

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Cashback earned does not expire.

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Redeem cashback instantly via SMS. Terms and Conditions here.

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Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.

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With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.

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Up to 17% discount at Caltex, Esso and Shell petrol stations.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Min. Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
1  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.9  %
Interest on Cash Advance
27.9  %
Interest Free Period
25  days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Visa PayWave

Tags

Citi Cash Back+ Card Citi Cash Back+ Card

Read Singsaver’s Full Review Of the Citi Cash Back+ Credit Card

Pros & cons

Pros

Cons

  • Unlimited Cashback: Earn 1.6% cashback on all eligible retail purchases, with no minimum spend and no cap on earnings.

  • No Minimum Spend Requirement: Enjoy cashback benefits regardless of your monthly expenditure.​

  • Complimentary Travel Insurance: Receive up to $1 million in travel insurance coverage when full travel fares are charged to the card.

  • Straightforward Redemption: Cashback can be redeemed easily via SMS or through the Citibank Singapore app.​

  • Annual Fee: The card carries an annual fee of $196.20, which is waived for the first year.​

  • Transaction Exclusions: Certain transactions, including insurance payments, education fees, and medical bills, are excluded from cashback eligibility.​

  • Cashback Redemption Threshold: Cashback can only be redeemed in denominations of $10, $20, or $50, and the redemption is capped at $50 per transaction.​

 

Who is this card for

The Citi Cash Back+ Credit Card is ideal for everyday spenders who want a simple way to earn 1.6% cashback on all purchases. There’s no need to track spending categories or hit minimum spend—just consistent rewards on everything you buy.

It’s also great for those who value simplicity. With no cashback cap or spending requirements, this card makes earning rewards effortless, whether you're shopping online, dining out, or paying bills.

Families and occasional travellers will also benefit. Free supplementary cards let households earn cashback together, and basic travel insurance offers added peace of mind for short or infrequent trips.

Compare to other cards

Like the Citi Cash Back+ Credit Card, both the Citi Cash Back Card and DBS Live Fresh Card reward everyday spending—but each suits a different lifestyle.

Looking for higher cashback? The Citi Cash Back Card offers up to 8% on groceries, dining, and petrol. However, you’ll need to spend at least $800 a month, and cashback is capped. In contrast, the Citi Cash Back+ gives a flat 1.6% cashback on all eligible purchases with no minimum spend or category restrictions—making it easier to earn consistently.

Prefer overseas perks and more variety? The DBS Live Fresh Card gives up to 6% cashback on shopping and transport, plus 3.25% on overseas spend. But like the Citi Cash Back Card, you’ll need to meet spending requirements, and caps apply. If you want a simpler, fuss-free card with basic travel insurance, the Citi Cash Back+ is your go-to.

Citi Cash Back+ Credit Card

Interest rate: 27.80%

Annual fee: $196.20 (First year waiver available)

Minimum annual income

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

Benefits:

  • 1.6% unlimited cashback on all eligible spend
  • No minimum spend, no category restrictions
  • Cashback never expires
  • Free supplementary cards
  • Basic travel insurance coverage (up to $1 million)

Citi Cash Back Card

Interest rate: 27.80%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners

Benefits:

  • Up to 8% cashback on dining, groceries, and petrol
  • Monthly spend requirement of $800 to unlock full cashback rates
  • Cashback caps: up to $80 per statement monthCashback earned in the form of rebate, offset against next statement

DBS Live Fresh Card

Interest rate: 27.80%

Annual fee: $196.20 (First year waiver available)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • Up to 5.7% cashback on shopping and transport
  • 3.25% cashback on overseas spend (in 15 countries)
  • 0.3% unlimited cashback on all spend
  • Spending required: $800/month
  • Cashback caps: $50 (shopping), $20 (transport)
  • Discounts with selected travel and retail partners

Credit card application

Step 1: Start Your Application

Head to the Citi Cash Back+ application page on Singsaver.

Ensure your SingPass MyInfo is up to date for a faster application. Most users get approval-in-principle within minutes.

Step 2: Prepare Your Documents (if not using MyInfo)

If you don’t use MyInfo, make sure you have the following:

  • Front and back of NRIC (for Singaporeans/PRs) or passport and work pass (for foreigners)
  • Latest computerised payslip OR salary-credited bank statement (last 3 months)
  • Latest Notice of Assessment from IRAS

Step 3: Activate Your Card

Once approved, activate your Citi Cash Back+ Credit Card via the Citi Mobile® App. You’ll be able to:

  • Redeem cashback
  • Track spend
  • Access digital card immediately for online and mobile payments

Credit card application resources 

Explore more options with these resources:

 

Frequently asked questions about the Citi Cash Back+ Credit Card

Are there annual fees for the Citi Cash Back+ Credit Card?

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Yes, the annual fee is $196.20, but it is waived for the first year. Supplementary cards come at $98.10 each.

What is the income requirement for the Citi Cash Back+ Credit Card?

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To be eligible, applicants must meet the following minimum annual income requirements:

  • Singapore Citizens and Permanent Residents: $30,000
  • Foreigners: $42,000

Applicants must also be at least 21 years old at the time of application.

What is the cashback offered?

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The card offers a flat 1.6% cashback on all eligible retail purchases, with no minimum spend and no cap on earnings. Cashback earned does not expire.

Are there extra perks for the credit card?

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Yes, aside from cashback, the Citi Cash Back+ Credit Card offers:

  • Complimentary travel insurance of up to $1 million when full travel fares are charged to the card
  • Access to Citi World Privileges, which includes exclusive dining, lifestyle, and travel deals worldwide
  • Free supplementary cards, allowing family members to share in the cashback benefits
  • Simple and convenient cashback redemption via SMS or the Citi Mobile® App

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