Get UPSIZED S$370 Cash or 5,040 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE and stand a chance to win 50,000 SmartPoints. That’s enough to redeem ANY item from our Rewards Store, such as a Sony BRAVIA 3 85-Inch 4K Ultra HD Google TV (worth S$5,799) + an Apple iPhone 16 Plus 128GB (worth S$1,399).
Promotion is valid from 14th December 2024 to 31st December 2024
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 30th January 2025
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 5,040 SmartPoints to redeem any product on our Rewards Store such as:
- Apple 13-inch MacBook Air M2 | Top up $920 more only
- Apple iPad (10th Gen) | Top up $110 more only
- Apple iPad (9th Gen) | Redeem in full
- S$360 GrabGifts Vouchers | Redeem in full
- OR many other options available at our Rewards Store today.
- For more information regarding SmartPoints, refer to our FAQ here.
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.
[Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 50,000 SmartPoints
[Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citi Credit Card, submit the claim form, and have it successfully approved.
[Rollin’ Rewards] Redeem Epic Rewards with 50,000 SmartPoints such as:
- iPhone 16 Pro Max (18,760 SmartPoints)
- AND Apple Watch Ultra 2 (12,345 SmartPoints)
- AND Apple AirPods Pro (4,030 SmartPoints)
- AND Apple iPad Air Wi-Fi 11” (10,030 SmartPoints)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.
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.
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.
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.
Learn More About The Citi Cash Back+ Credit Card Here!
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 |
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Interest rate: 27.90% p.a. | Interest rate: 27.9% p.a. | Interest rate: 28% p.a. |
Annual fee: $196.20 (First year waived) | Annual fee: $196.20 (First year waived) | No annual fee |
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 Fixed Deposit Collateral of S$10,000 for others |
Cash back benefits:
| Cash back benefits:
| Cash back benefits:
Extra perks:
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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.
Singapore Citizens / PRs | Foreigners / Expats | |
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Age | 21 and above | 21 and above |
Income | $30,000 | $42,000 |
Documents required | For salaried employees:
For self-employed:
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Here are 3 simple steps to apply for the Citi Cash Back+ Card:
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.
You'll need to provide all the necessary documentation in order for Citibank to approve your personal loan application. This list of documents include:
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.
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.
The benefits include: