FASTER GIFT REDEMPTION | FLASH DEAL
Citi Cash Back+ Card is a straightforward credit card with unlimited cash rebates, no minimum spend, and a flat 1.6% cashback rate on purchases across all online shopping and lifestyle categories. Cashback earned will show up on your bank statement, so you can easily keep track and redeem them to offset your card balance via SMS.
1.6%
Cash Back on Eligible Spend
S$0
Min. Spend per month
Unlimited
Cash Back Cap per month
MoneySmart Exclusive

[FLASH DEAL | FASTER GIFT FULFILMENT]
Get UPSIZED CASH REWARDS of up to S$480* OR 5,040 SmartPoints + S$80 Trip.com Coupon, in as fast as 5 weeks from meeting the S$500 spend criteria! T&Cs apply.
 
Use 5,040 SmartPoints 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 e.g. get an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) at only S$110 on top of your earned SmartPoints.

Valid until 15 Jul 2024 - See more details below

Are you eligible?

    • Promotion is valid from 08-July-2024 to 15-July-2024

    • Applicable for New-to Citibank Cardmembers only

    • Customers need to apply through MoneySmart to be eligible

What you need to know

  1. Log into your MoneySmart account and submit your claim by 15th August 2024

  2. *Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.

  3. 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.

  4. S$480* UPSIZED CASH REWARDS: S$300 Cash via PayNow + S$100 eCapita Voucher + $80 Trip.com Coupon

  5. The S$80 Trip.com Coupon consists of a: S$50 New User Coupon & S$30 Existing User Coupon. Refer to T&Cs for more details.

  6. Use 5,040 SmartPoints 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! 

  7. With 5,040 SmartPoints* earned, you can redeem:
    - Apple iPad (10th Gen) | Top up $110 more only
    - Apple 13-inch MacBook Air M2 | Top up $930 more only
    - Apple iPad (9th Gen) | Redeem in full
    - Sony WH-1000XM5 Noise Cancelling Headphones | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  8. 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. 

  9. Trip.com Vouchers are only eligible to be used at this link: https://sg.trip.com/w/moneysmart20

  10. 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.

  11. MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Using this card for all of your household expenditure or big events such as wedding where you can accumulate unlimited cashback on big purchases

Good for

Individuals looking for a straightforward and fuss-free credit card with a simple cash rebate redemption system

Categories to maximise this card

All lifestyle categories

What people use it for

Both daily spending and big purchases

Get if

You don’t like to worry about minimum spending requirements or fussing over eligible spending categories or merchants, and enjoy modest cashback for every dollar spent

All 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 Review 2024

For more than a century, Citibank Singapore, a wholly-owned subsidiary of Citigroup, has been providing wealth management products and services, including investments, insurance, deposits and treasury products.

Having over $4.1 billion in total assets (as per its 2021 annual report), Citibank has a selection of credit cards for you to choose from, and Citi Cash Back+ credit card is one of their best cards for cash back benefits. Let's find out if this card is suitable for you as we consider the requirements, pros and cons and more.

Pros & Cons Of Citi Cashback+ Card

ProsCons
Minimum of 1.6% cash back dailyInterest rate of 27.9% per annum
No minimum spend requiredBasic sign-up fee of S$196.20 inclusive of 9% GST (first year waiver available)
No cap on cash back earnedCash advance charges of $15 or 6% of the withdrawn amount
Bonus cash back of 0.4% on spending (for Citi Plus customer)
Ease of redeeming cash back for cash rebate via SMS
Up to $1 million of travel coverage when if travel tickets are charged to your Citi Cash Back+ credit card
Convenient online application with SingPass
Open to Singapore Citizens, PRs and foreigners with a Singapore Employment Pass aged 21 and above
Lifestyle privileges such as dining and shopping discounts

Citi Cash Back+ Credit Card Requirements

Singapore Citizens / PRsForeigners / Expats
Age 21 and above 21 and above
Income $30,000$42,000
Documents required

For salaried employees:

  • A copy of NRIC/passport
  • Latest original computerized payslip or Tax Notice of Assessment or last 12 months' CPF statements

For self-employed:

  • A copy of NRIC/passport
  • Last 2 years' Income Tax Notice of Assessment
  • Last 3 months' bank statements
  • A copy of passport and valid work permit (with minimum 6 months validity) - A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerized payslip

Citi Cash Back+ Credit Card Application

Here are 3 simple steps to apply for the Citi Cash Back+ Card

Step 1

Apply via MoneySmart’s Credit Cards page

You may begin your application by clicking on our Citi Cash Back+ Card application link.

When you choose to apply online or through the Citi Mobile App and via SingPass MyInfo, Citibank will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

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)

Step 3

Receive your Citi Cash Back+ Card

You’ll be able to activate your Citi Cash Back+ Card instantly through the Citi Mobile® App and be invited to enter your 6-digit Unlock Code to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cash back rewards with your Citi Mobile® App!

Compare Citi Cash Back+ Card vs. SCB Smart Credit Card vs. CIMB World Mastercard

Besides the Citi Cash Back+ Card, the Standard Chartered Bank (SCB) Smart Credit Card and CIMB World Mastercard are also among the other popular options you would have come across on MoneySmart's online credit card comparison wizard. Let's pit these 3 credit cards against one another to have a closer look at their requirements and benefits.

The key factors which we'll look at are interest rates, minimum annual income requirements and cash back benefits.

Among the 3 credit cards, the Citi Cash Back+ Card is the most convenient for spending on any category as you do not have to worry about checking on what type of purchases will entitle you to cash back. As long as you spend with your Citi Cash Back+ Card, there is at least a 1.6% cash back for you.

If you're looking for a higher percentage of cash back on certain types of purchases then the SCB Smart Credit Card may be a more apt option with its 6% cashback on everyday spend at selected merchants across fast food dining, coffee and toast, digital subscriptions and transportation.

When it comes to interest rates, the Citi Cash Back+ Card and SCB Smart Credit Card charge the highest interest rates of 27.90% and 29.90% respectively, and the Citi Cash Back+ Card even has an initial annual fee that is payable. However, the SCB Smart Credit Card offers one of the lowest interest rates among the 3 credit cards here, which can go as low as 23.90%.

Do note that all 3 credit cards require a minimum annual income requirement of $30,000 for Singaporeans and PRs. The Citi Cash Back+ Card is the most attractive option among the three cards for foreigners drawing annual salaries which are lower than $60,000.

Comparisons Between Citi, SCB and CIMB Credit Cards

Citi Cash Back + CardSCB Smart Credit Card CIMB World Mastercard

Interest rate:
27.90%

Interest rate:
23.90% to 29.90%
Interest rate:
25.90%
Minimum annual income:
$30,000 for Singaporeans and PRs
$42,000 for foreigners
Minimum annual income:
$30,000 for Singaporeans and PRs
$60,000 for foreigners
Minimum annual income:
$30,000 for Singaporeans and PRs
Foreigners are not eligible to apply.

Cash back benefits:

  • Minimum of 1.6% cash back on spending on any category
  • Unlimited cash back (no cap on earned cash back)
  • No minimum spend requirement


Cash back benefits:

  • 6% cashback on your everyday spend at selected merchants across fast food dining, coffee and toast, digital subscriptions and transportation.
  • No minimum spend requirement


Cash back benefits:

  • Up to 10% cash back (with a lower min. monthly spend of S$600).

Frequently Asked Questions

Are there any fees if I apply for the Citi Cash Back+ Credit Card?

Citibank charges an initial annual fee of $196.20 (incl. 9% GST) , and the other fees range 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 that apply.

How do I apply for a Citi Cash Back+ Credit Card?

You can apply for the Citi Cash Back+ Credit Card in 3 simple steps. 1. Click “Apply Now” on the Citi Cash Back+ Credit Card option on MoneySmart’s credit card page 2. Provide your NRIC or other identification details, latest computerised payslip, latest 12 months’ CPF Contribution History Statement, and latest Income Tax Notice of Assessment (NOA) 3. Receive your Citi Cash Back+ Credit Card or activate it immediately via the Citi Mobile App.

Am I eligible for the Citi Cash Back+ Credit Card?

If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the Citi Cash Back+ Credit Card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $42,000 (for foreigners).

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 cash back benefits of a Citi Cash Back+ Credit Card?

The benefits include:

  • Minimum of 1.6% cash back daily
  • No minimum spend required
  • No cap on cash back earned
  • Bonus cash back of 0.4% on spending (for Citi Plus customer)
  • Ease of redeeming cash back for cash rebate via SMS