Citi Cash Back+ Card
Apply now and redeem any of these:
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MoneySmart Exclusive
Guaranteed S$380 Cash via PayNow
Guaranteed S$380 Cash via PayNow
FREE with SmartPoints
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
FREE with SmartPoints
Shopee Voucher $450
6075 SmartPoints
worth S$450
Shopee Voucher $450
6075 SmartPoints
worth S$450
FREE with SmartPoints
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
Only $86 with SmartPoints
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Only $1173 with SmartPoints
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
View more rewards
View more rewards
Get S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) when you charge a min. of S$500 within 30 days!
PLUS, grab an extra gift in the May Mystery Madness! Win additional prizes like an Apple MacBook Neo (worth $849), Sony PS5 (worth $799), Nintendo Switch 2 (worth $719), Apple Watch Series 11 (worth $599), Apple AirPods Pro 3 (worth $349) or S$100 Grab Vouchers! T&Cs apply.
Valid till 04 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 02-June-2026 to 04-June-2026
Applicable for New-to Citibank Cardmembers only
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.
Log into your MoneySmart account and submit your claim by 4th July 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Choose between S$380 Cash via PayNow OR 6,140 SmartPoints when you meet the criteria above.[MoneySmart Exclusive May Mystery Madness]
Grab an extra gift in the May Mystery Madness! Be among the first 4 daily at 2PM or 9PM to submit your claim form to win additional prizes like an Apple MacBook Neo, Sony PS5, Nintendo Switch 2, Apple Watch Series 11, Apple AirPods Pro 3 or S$100 Grab Vouchers! T&Cs apply.*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
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!
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.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Card Details
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.
Citi Cash Back+ Credit Card Benefits 2025
For over a century, Citibank has provided wealth management products and services, including investments, insurance, deposits and treasury products.
With total reported assets of S$55.1 billion (2023), Citibank offers various credit cards, including the Citi Cash Back+ Credit Card, known for its reliable cashback benefits. Let’s examine its pros, cons, requirements, and more to determine if it’s the right cashback card fit for you.
Customer Reviews on MoneySmart Credit Card Applications
Pros & Cons of Citi Cash Back+ Card
Pros
- Unlimited 1.6% cashback
- No minimum spend required
- No cap on cashback earned
- Few spend category exclusions, almost all spend qualifies for eligible MCC
- Bonus cash back of 0.4% on spending (for Citi Plus customer)
- Easily redeem cashback via SMS or Citi Mobile app
- Up to S$1 million travel insurance coverage
- Annual fee of S$196.20 (First year waived)
- Exclusive lifestyle privileges such as dining and shopping discounts
- Higher unlimited cashback rate when compared to other similar cards like AMEX True Cashback and SCB Simply Cash
- Useful for earning cashback on big-ticket purchases and other miscellaneous expenses like medical bills
- Pay off your retail purchases in 3-month instalment payments at no processing fees. Terms and Conditions apply.
Cons
- Cashback takes longer to accumulate
- Cashback can only be redeemed in multiples of S$10
- If monthly bill has been sent, redeemed cashback will only apply on the next month’s statement
- 0.4% bonus cashback only applicable to Citi Plus customers who are the Primary Account Holders of a Citi Interest Booster Account
Want Unlimited Cashback At Your Fingertips?
Learn More About The Citi Cash Back+ Credit Card Here!
Comparison: Citi Cash Back+ Card vs SCB Simply Cash Card vs CIMB World Mastercard
Although the Citi Cash Back+ Card offers reliable cashback, it’s not the only cashback card in the books that does. In fact, other cards like the Standard Chartered (SCB) Simply Cash and CIMB World Mastercard offer unlimited cashback too.
So what exactly makes the Citi Cash Back+ Card stand out from the rest? Well, let’s find out!
| Citi Cash Back + Card | SCB Smart Credit Card | CIMB World Mastercard |
|---|---|---|
| Citi Cash Back + CardInterest rate: 27.90% p.a. | SCB Smart Credit Card Interest rate: 27.9% p.a. | CIMB World MastercardInterest rate: 28% p.a. |
| Citi Cash Back + CardAnnual fee: $196.20 (First year waived) | SCB Smart Credit Card Annual fee: $196.20 (First year waived) | CIMB World MastercardNo annual fee |
| Citi Cash Back + CardMinimum annual income: $30,000 for Singaporeans and PRs $42,000 for foreigners | SCB Smart Credit Card Minimum annual income: $30,000 for Singaporeans and PRs $60,000 for foreigners | CIMB World MastercardMinimum annual income: $30,000 for Singaporeans and PRs Fixed Deposit Collateral of S$10,000 for others |
Citi Cash Back + CardCash back benefits:
| SCB Smart Credit Card Cash back benefits:
| CIMB World MastercardCash back benefits:
Extra perks:
|
At first glance, the CIMB World Mastercard stands out with its unlimited 2% cashback and complimentary travel insurance. However, upon closer inspection, it’s evident that the Citi Cash Back+ Card is the more versatile, all-rounded choice.
While the CIMB World Mastercard's 2% unlimited cashback requires a minimum S$1,000 spend per month and only applies to select categories (e.g., dining, ride-hailing, online food delivery, digital entertainment, luxury and retail shopping), the Citi Cash Back+ Card offers a consistent 1.6% unlimited cashback on nearly all purchases, except for a few merchant exclusions.
Moreover, the Citi Cash Back+ Card frequently offers attractive bank sign-up offers and exclusive promotions that are rarer to come in for other banks like CIMB or SCB. Case in point, Citi regularly updates its dining, shopping, lifestyle, and travel deals on a monthly basis, ensuring that Citi cardholders get first dibs and access to all the best discounts and sales.
Thus, the Citi Cash Back+ Card not only offers a more straightforward and flexible cashback experience but also consistently rewards cardholders with many coveted deals and offers.
Can’t Get Enough of Cashback? Discover More Cashback Cards Here
Citi Cash Back+ Credit Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats | |
|---|---|---|
| Age | Singapore Citizens / PRs21 and above | Foreigners / Expats21 and above |
| Income | Singapore Citizens / PRs$30,000 | Foreigners / Expats$42,000 |
| Documents required | Singapore Citizens / PRs For salaried employees:
For self-employed:
| Foreigners / Expats
|
How to apply for Citi Cash Back+ Credit Card in Singapore
Here are 3 simple steps to apply for the Citi Cash Back+ Card:
Apply via MoneySmart’s Credit Cards page
Start your application by clicking the “Apply Now” button via MoneySmart.
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
Provide all documentation required
You'll need to provide all the necessary documentation in order for Citibank to approve your personal loan application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months' CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Receive your Citi Cash Back+ Card
Activate your Citi Cash Back+ Card instantly via the Citi Mobile® app using a 6-digit code for secure transactions. Once activated, you can start tracking your miles and rewards with your expenses.
Frequently Asked Questions About Citi Cash Back+ Card
Are there any fees if I apply for the Citi Cash Back+ Credit Card?
Citibank charges an initial annual fee of $196.20. Other fees vary, ranging from $15 to over $100, depending on whether it is a supplementary card annual fee, late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee or others.
Am I eligible for the Citi Cash Back+ Credit Card?
- If you're a Singapore Citizen, PR, or foreigner with a valid Employment Pass, aged 21 and above, and earning at least $30,000 annually (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi Cash Back+ Card.
If I’m late for my monthly Citi Cash Back+ Credit Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Citibank at the point of your late payment.
What are the cashback benefits of a Citi Cash Back+ Credit Card?
The benefits include:
- 1.6% unlimited cashback on almost all spend
- No minimum spend required
- No cap on cashback earned
- Bonus 0.4% cashback on spending (for Citi Plus customers)
- Conveniently redeem cashback for cash rebate via SMS or Citi Mobile App anytime