Citi Cash Back+ Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK

Citi Cash Back+ Card

This is Citi’s simplest card: 1.6% on eligible spend, no minimum, no cap, no categories. There’s nothing to optimise, which is the point — the rate you get is the rate you see, regardless of where or how much you spend. It’s especially good if you want a fuss-free experience. Cashback doesn't expire, providing long-term value. The 3.25% foreign transaction fee is something to consider for overseas spending.
1.6%
Cash Back on Eligible Spend
S$0
Min. Spend per month
Unlimited
Cash Back Cap per month

Apply now and redeem any of these:

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MoneySmart Exclusive
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S$420 Cash via PayNow

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S$420 Cash via PayNow

FREE with SmartPoints
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MoneySmart Exclusive

Get S$420 Cash Reward or 6,000 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) as quickly as 5 weeks —just spend S$500 within 30 days of card approval! T&Cs apply.

Valid till 09 Nov 2026

ARE YOU ELIGIBLE?

  • MoneySmart Promotion is valid from 01 November 2026 to 09 November 2026

  • Apply as main "New-to Citibank" cardholder for an eligible Citibank Credit Card via MoneySmart within the qualifying period

  • Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.

  • Complete and submit the MoneySmart Claim Form with valid contact details and Unique Reference Number (URN) by 9th December 2026

WHAT YOU NEED TO KNOW

  1. [MoneySmart Baseline Gift]
    Meet the minimum S$500 spend within 30 days to unlock your choice of reward—S$420 Cash via PayNow or 6,000 SmartPoints for exciting products in the MoneySmart Rewards Store

  2. *Faster Rewards Redemption: Reward fulfillment happens as fast as 5 weeks from meeting spend criteria, and is processed on a rolling basis, so the sooner you spend, the sooner you receive your reward.

  3. Use the SmartPoints earned to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want! 

  4. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  5. MoneySmart Exclusive promotions do not stack with third-party promotions unless stated otherwise—check T&Cs for complete details.

T&CsFAQClaim Form

Card Details

Good For

Spenders who want one flat rate on everything, at 1.6% on eligible spend with no minimum and no cap.

Cardholders who need cashback on big-ticket purchases like furniture or electronics, thanks to the uncapped rewards.

Anyone whose spending varies month to month, since the rate is identical whether they charge S$80 or S$8,000.

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Why Trust MoneySmart 💡

MoneySmart helps Singaporeans compare verified financial products side-by-side, so you find the best credit card, loan, insurance and other personal finance products for your needs—before you apply, not after. As an MAS-licensed platform with over 15 years in the market and a 4.4/5 Google rating from more than 2,000 reviews, we surface exclusive sign-up bonuses and deals you won't find by going directly to a provider—with faster gift fulfilment and flexible redemption on top.

Citi Cash Back+ Card: Unlimited 1.6% Cashback With No Minimum Spend

The Citi Cash Back+ Card is Citi’s simplest, unlimited cashback credit card for fuss‑free rebates on everyday spending: 1.6% unlimited cashback on eligible spend, no minimum spend, and no cashback cap.

There’s nothing to optimise, which is the point—the rate you see is the rate you get, regardless of where or how much you spend. Cashback also doesn’t expire, though the 3.25% foreign transaction fee may be something to consider while spending overseas.

This review explains exactly how it works for Singapore cardholders, how it compares to other Citi cards, and whether it fits your wallet.

Citi Cash Back+ Card Benefits and Features

Beyond the flat 1.6% rate, it comes with

  • No expiry on cashback: You can accumulate it for however long you desire before redeeming
  • Citi Plus bonus: An extra 0.4% cashback if you’re a Citi Plus customer and the Primary Account Holder of a Citi Interest Booster Account. It needs at least $500 eligible spend in a calendar month, and the bonus is capped at $2,000 spend ($8 a month) and only applicable to the Mastercard version.
  • Citi PayLite Bundle: Citi converts your first 3 eligible retail purchases ($500 or more) in each Bundle Period into 3-month instalments with no processing fee. Earns usual 1.6% cashback.
  • Citi World Privileges: Dining, shopping and travel deals for Citi cardholders.
  • Payments: Supports Apple Pay, Samsung Pay, Google Pay, Citi Pay and Mastercard contactless.

How to Earn and Redeem Citi Cash Back+ Cashback

Everyday purchases at supermarkets, restaurants, retail shops, and online stores generally earn cashback, in both Singapore dollars (SGD) and foreign currency. Eligibility depends on the merchant category code (MCC), not on whether you tap, swipe or pay with a mobile wallet.

Citi Cash Back+ MCC exclusions

❌ No cashback is earned in these categories:

  • Government services (MCC 9000–9999), such as taxes, fines and court costs.
  • Insurance premiums, education institutions, utilities (MCC 4900), hospitals, parking, and financial or quasi-cash transactions such as brokerage and money transfers.
  • Stored-value top-ups and named merchants including AXS, EZ-link, SimplyGo, BUS/MRT transit and YouTrip.
  • Cash advances, balance transfers, fees and interest charges.

Note: Citibank’s exclusion list is not exhaustive and can change, so check the latest terms before applying and/or assuming otherwise.

How much cashback you can earn

Monthly eligible spend

Approx. monthly cashback

Approx. yearly cashback

$500

$8

$96

$1,000

$16

$192

$2,000

$32

$384

$3,500

$56

$672

Disclaimer: These figures assume all spend is eligible and exclude fees and FX costs.

How to redeem Citi cashback

  • Redeem cashback as a cash rebate via the Citi Mobile App (Rewards Dashboard > Cash Rebate) or by SMS to 72484.
  • Cash rebates come in blocks of $10, up to $50 per redemption, with no limit on how many times you redeem. The rebate is credited to your next card statement.
  • A cash rebate is not a payment and cannot offset your minimum amount due, so you still need to pay at least the minimum to avoid late charges.

Is the Citi Cash Back+ Card Worth It?

Get this card if…

✅ Your spending is spread across groceries, dining, online shopping, ride-hailing, and other lifestyle categories rather than concentrated in one or two.

✅ You dislike tracking minimum spends, rotating promos or category caps.

✅ You have big-ticket purchases coming up, such as wedding or home renovation expenses, and want uncapped cashback on them.

✅ You already hold a Citi miles or rewards card and want simple cashback on spend that doesn’t earn bonus miles or points.

Skip this card (or pair it) if…

❌ Most of your spending already qualifies for other cashback cards bonus categories (e.g. Citi Cash Back Card’s dining, groceries, petrol, etc.) and you reliably hit its minimum spend.

❌ You mainly chase air miles or flexible rewards points.

❌ You enjoy optimising multiple cards and stacking category bonuses for a higher effective rate.

Comparison: Citi Cash Back+ vs Other Cashback Cards

Citi Cash Back+ vs SCB Simply Cash vs AMEX True Cashback vs CIMB World Mastercard

Here’s how it stacks up against other cashback cards with no cap on earnings:

Card

Cashback

Minimum spend

Annual fee

Foreign currency fee

Citi Cash Back+ Card

1.6% on eligible spend, no cap

None

$196.20, first year waived

3.25%

Standard Chartered Simply Cash Credit Card

1.5% on eligible spend, no cap

None

$196.20, first year waived

3.5%

American Express True Cashback Card

1.5% on eligible spend, no cap

None

$174.40, first year waived

3.25%

CIMB World Mastercard

2% on dining, food delivery, movies and digital entertainment, taxi and automobile, and luxury goods; 1% on other spend

$1,000 a month for the 2% rate

None

3%

Citi Cash Back+ pays the highest unlimited cashback rate (1.6%) of the three no-minimum cards. The CIMB World Mastercard only beats it if you spend at least $1,000 a month, mostly in its bonus categories.

Comparison: Citi Cash Back+ vs Other Citi Cards

Here’s how it compares with other popular Citi cards:

Card

Rewards

Minimum spend

Monthly cap

Annual fee

Extras

Citi Cash Back+ Card

1.6% cashback on eligible spend

None

None

$196.20, first year waived

Cashback never expires

Citi Cash Back Card

8% cashback on petrol and private commute

6% on dining and groceries

0.2% on other spend

$800 per statement month for the bonus rates

$80 cashback per statement month

$196.20

Up to 23.64% savings at Caltex, Esso and Shell

Citibank Rewards Card

10X points (about 4 miles per $1) on eligible online and shopping spend

1X on other spend

None

9,000 bonus points per statement month (about $1,000 of 10X spend)

$196.20, first year waived

Points valid for 5 years

Citi PremierMiles Card

1.2 miles per $1 locally

Up to 2.2 miles per $1 on foreign currency spend

Up to 10 miles per $1 on Kaligo and Agoda via the Citi portal

None

None

$196.20, first year waived

Miles never expire; 2 airport lounge visits a year; 10,000 miles on renewal

Of Citi’s two cashback cards, only Citi Cash Back+ has no minimum spend and no cap. The Citi Cash Back Card pays more only if you spend at least $800 a month, mostly on petrol, private commute, dining and groceries, and its cashback stops at $80 a month.

Citi Cash Back+ Card Eligibility, Fees & Charges

Note: Singaporeans / PRs can use Singpass MyInfo to seamlessly auto-retrieve personal particulars and documents needed for quick credit card application. The documents stated below are only if you need to manually apply for other reasons or are a foreigner in Singapore.

Card eligibility criteria

Requirement

Singapore Citizens / PRs

Foreigners

Minimum age

21

21

Minimum annual income

$30,000

$42,000

Identity documents

Valid NRIC or passport

Valid passport and work permit (at least 6 months’ validity)

Income documents

Salaried: latest computerised payslip or Income Tax Notice of Assessment.

Self-employed: last 2 years’ Income Tax Notice of Assessment

Income Tax Notice of Assessment and latest computerised payslip

Proof of address

N/A

Utility, residential telephone or home broadband bill (not a mobile phone bill), or a bank statement showing your name and address

Card fees & charges

Fee type

Amount

Annual fee (principal card)

$196.20 (First year waived)

Annual fee (supplementary card)

$98.10 per card

Foreign currency transaction fee

3.25%; higher than the 1.6% cashback rate

Interest on carried balances

27.9% p.a. with a 25-day interest-free period

Late payment fee

$100

Overlimit fee

$40 when balance exceeds credit limit

Cash advance fee

8% or $15, whichever is higher; no cashback, and interest accrues from the transaction date

Minimum monthly repayment

1% of the current balance plus 1% of unbilled instalments, interest and late fee, or $50, whichever is greater

Disclaimer: Fees can change, so confirm the latest Citibank Singapore fee schedule before applying.

How to Apply For Citi Cash Back+ on MoneySmart

Follow these steps to apply through MoneySmart:

Step

What to do

1. Compare cards on MoneySmart

Compare the Citi Cash Back+ Card with other cards using MoneySmart’s credit card comparison tool.

2. Check eligibility

Check the eligibility criteria and required documents of Citi Cash Back+ using our table above.

3. Apply for Citi Cash Back+ via MoneySmart

Press Apply Now on this Citi Cash Back+ listing and log in with Singpass. Myinfo pre-fills your application and verifies your details instantly, and supporting documents may be waived if you’re eligible. Application will take roughly about 10 minutes.

Note: If you don’t apply via Singpass or are a foreigner, please upload the relevant documents manually.

4. Wait for card approval

Citibank Singapore reviews your application and completes its credit assessment.

5. Activate Citi Cash Back+ Card

Once approved, activate your card in the Citi Mobile® App, where you can also track your cashback and eligible spend.

What our customers say about MoneySmart Credit Cards Application

4.4 rating of 2111 reviews
Google

This was the second time I signed up for an HSBC credit card through MoneySmart. The first time was about three years ago, and the second time was earlier this year. Both times, MoneySmart was punctual, responsive, and proactively kept me updated on my rewards status, without me having to chase them and with no ridiculous excuses given for delays. In fact, there were no delays. Sorry to say, but my experience with SingSaver last year was exactly the opposite, and I no longer trust SingSaver. Keep up the good work, MoneySmart!

JoikekaJoikeka
Google

Great platform to gain saving and special bonuses for credit cards and insurances! Thanks so much!!

Justin ChoeJustin Choe
Google

Had a good experience applying for my credit card through MoneySmart. The application process was straightforward, and the instructions on how to qualify for the promotional reward were clear. I also liked that I could track the reward status easily. Overall, it was a smooth experience, and I'd use MoneySmart again for future financial products.

Woon YeowkheongWoon Yeowkheong
Google

Applied for a credit card and requested to claim an Apple AirPod Pro 3 on Oct’ 26. Got the gift 8 months later. Long wait and almost forgotten but was a pleasant surprise when informed to collect.

Pam OngPam Ong
Google

I applied for a credit card through MoneySmart and successfully received the reward as promised. The application process was smooth overall, although it took about 5 months for the reward to be received. Customer service was responsive when I followed up, and I appreciate that the reward was eventually fulfilled. Thank you.

Poongundranar PiryasamyPoongundranar Piryasamy
Google

Very good platform to get rewards for new credit card sign ups. Done it many times over the past many years and I've been successful getting the cash reward each time. Reliable to me and I will continue to use this platform in the many years to come!

Amos Kuek Qi XiangAmos Kuek Qi Xiang
Google

Had applied a credit card and claimed the rewards with Moneysmart. The process was quite easy and the rewards was credited about a month after I had fulfilled the criteria. Updates on the process was prompt too. Kudos to the support team also. Thank you.

Johnny LJohnny L
Google

Deals here are amazing, may it be credit cards, travel insurance, or investment plans. Please continues to sync up with different partners to give us better deals.

Rahul PatelRahul Patel
Google

Good & competitive promotion for most of the credit cards

AaronZillAaronZill
Google

Great rewards for credit card application! Though wait for cashback

Lijun ZhengLijun Zheng

Your Credit Card Should Match Your Spending Energy ✨💳

Flat 1.6% or bonus categories? Compare Citi Cash Back+ with other credit cards (not just cashback cards) on MoneySmart and let your spending habits pick the winner.

Compare Cards

FAQs About the Citi Cash Back+ Card

Which credit card has unlimited cash back?

The Citi Cash Back+ Card offers unlimited 1.6% cashback on eligible spend, with no minimum spend or cashback cap. However, excluded MCC transactions don’t earn cashback. Examples are:

  • Government, insurance, education, utility, hospital and parking payments
  • Financial and cash-like transactions, cash advances and fees
  • AXS, EZ-link, SimplyGo, BUS/MRT and YouTrip

Meanwhile, the Standard Chartered Simply Cash and American Express True Cashback cards also earn unlimited cashback at 1.5%.

Does the Citi Cash Back+ Card have a minimum spend?

No, the Citi Cash Back+ Card has no minimum spend. Every dollar of eligible spend earns 1.6% cashback from your first transaction. Only the optional 0.4% Citi Plus bonus requires at least $500 of eligible spend in a calendar month (on the Mastercard version).

How do I redeem Citibank cashback?

Redeem Citi Cash Back+ cashback as a cash rebate:

  • How: Citi Mobile App (Rewards Dashboard > Cash Rebate) or SMS to 72484
  • Amount: $10 blocks, up to $50 per redemption, as often as you like
  • Timing: credited to your next statement

A rebate isn’t a payment, so it can’t offset your minimum amount due.

What is the difference between Citi Cash Back and Citi Cash Back+?

Citi Cash Back+ pays a flat 1.6% with no minimum spend or cap. The Citi Cash Back Card pays more in set categories, with conditions:

  • 8% on petrol and private commute, 6% on dining and groceries
  • $800 of qualifying spend a statement month to unlock these rates
  • Cashback capped at $80 a month, and 0.2% on other spend

Does the Citi Cash Back+ Card have an annual fee?

Yes, the Citi Cash Back+ Card has an annual fee, waived in the first year:

  • Principal card: $196.20 a year, including 9% GST
  • Supplementary card: $98.10 a year each
  • Break-even: About $12,300 of eligible spend a year at 1.6%

What is the Citi Cash Back+ foreign transaction fee?

The Citi Cash Back+ foreign transaction (FX) fee is 3.25%. Foreign currency spend still earns 1.6% cashback, but the higher fee means each purchase costs you about 1.65% net. For regular overseas spend, consider a card with lower or no FX fees.