Citi Cash Back+ Card
Citi Cash Back+ Card
- 1.6%
- Cash Back on Eligible Spend
- S$0
- Min. Spend per month
- Unlimited
- Cash Back Cap per month
Get S$350 Cash or 5,040 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 01-March 2025 to 31-March-2025
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 April 2025
What you need to know
Get EXTRA S$50 Cash or 700 SmartPoints on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!
Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.
[Rollin’ Rewards] We’re giving away 93,800 SmartPoints this month! Enrol in Rollin' Rewards by completing a simple 3-min questionnaire today.
[Rollin’ Rewards] This earns you 1 chance to win in our draw.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citibank Credit Card Promotion, submit the claim form, and have it approved.
[Rollin’ Rewards] 5 lucky winners walk away with 18,760 SmartPoints each (enough to redeem an Apple iPhone 16 Pro Max 256 GB)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—your chance(s) of winning will automatically roll over into next month’s draw. T&Cs apply.
*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 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.
All Details
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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
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 |
|---|---|---|
| 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.
Can’t Get Enough of Cashback? Discover More Cashback Cards Here
Citi Cash Back+ Credit Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats | |
|---|---|---|
| Age | 21 and above | 21 and above |
| Income | $30,000 | $42,000 |
| Documents required | For salaried employees:
For self-employed:
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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