Citi Cash Back+ Card
Offers
SingSaver Reward up to S$1,499
- S$400 Cash via PayNow
- S$440 Grab Vouchers
- 25,000 Max Miles by HeyMax (worth S$600+ in travel value)
- Dyson Airstrait™ straightener (worth S$799)
- Dyson V8 Cyclone Vacuum Cleaner (worth S$559)
- Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)
- Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729) (Top up S$150)
- Apple iPad (A16) 11" 128GB WiFi (worth S$649) (Top up S$200)
- Apple AirPods Max 2 (worth S$749) (Top up S$340)
- Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999, top up S$580)
- Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149) (Top up S$740)
- SingSaver Exclusive Offer promotion runs from 3 August 2026 to 31 August 2026.
- 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!
- Terms and Conditions apply.
- S$500 Cash via PayNow
- This promotion runs from 5 August 2026 to 31 August 2026.
- Eligible applicants must not hold an existing Citi credit card, or have closed one within the past 12 months from card account opening date.
- To qualify for the S$500 Cash reward, applicants must:
- Apply for a participating Citi credit card via SingSaver;
- Make a minimum spend of S$500 within 30 days of card approval; and
- Hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval.
- The S$500 Cash reward replaces the standard SingSaver exclusive reward for your card—you receive one or the other, not the both. The S$500 Cash amount is the same regardless of which card you apply for.
- Participating Citi banking account types are:
- Existing Citi banking relationship includes Citigold, Citigold Private Client, Citi Plus, Citi Priority, Citibanking
- New Citi banking relationship is applicable for Citigold, Citigold Private Client, Citi Plus
- New banking customers who open a Citigold account through SingSaver may qualify for an additional SingSaver Exclusive welcome gift (worth up to S$1,500 Cash or Apple iPhone 17)—this is a separate offer from the credit card reward (additional T&Cs apply).
- In case you choose the S$500 cash reward option and there is no banking relationship by the last day of the following month from your card application date but you meet the criteria for the credit card only reward, you will get the default cash reward available for your chosen card on application date.
- Terms and Conditions apply.
Highlights
SingSaver's Take
Things to Consider
Benefits
Fees & Charges
Eligibility
Pros & cons
Pros
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.
Cons
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.
Citi Cash Back+ Card
Frequently asked questions about the Citi Cash Back+ Credit Card
Yes, the annual fee is $196.20, but it is waived for the first year. Supplementary cards come at $98.10 each.
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.
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.
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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