Citi Cash Back+ Card
A simple flat-rate cashback card with no minimum spend and no cap on what you earn.
- Issuer
- Citibank
- Network
- Mastercard
- Rewards
- Cashback
- Annual fee
- Annual fee, often waivable
Beginner-friendly
General spendOnline shoppingOverseas spend
Pros
- +Flat 1.6% cashback on every purchase with no minimum spend and no cap
- +Cashback is earned on foreign-currency spend as well as local spend, with no spend categories to track
- +First-year annual fee waived, and the standard S$196.20 fee can typically be waived on request thereafter
Cons
- −1.6% flat rate is lower than category cards that pay 5-8% on dining, groceries or transport, so heavy category spenders earn less
- −Standard S$196.20 annual fee applies from year two unless waived
- −On overseas spend the ~3.25% Mastercard FX/admin fee exceeds the 1.6% rebate, so net return is effectively negative
- −The headline sign-up rate (e.g. 8% welcome cashback) is a capped promo for the first months only, not the ongoing 1.6% rate
| Annual fee | S$196.20as of 16 Jun 2026 |
|---|---|
| Cashback | 1.6% flat cashback on all spend, uncapped, no minimum spendas of 16 Jun 2026 |
| Min. income (S'porean/PR) | S$30,000/yras of 16 Jun 2026 |
| Min. income (foreigner) | S$42,000/yras of 16 Jun 2026 |
Eligibility: Minimum annual income of S$30,000 for Singaporeans/PRs and S$42,000 for foreigners; applicants must be at least 21 years old.
Who it’s for
The Citi Cash Back+ Card is a cashback card from Citibank, best suited to people who spend on general spend, online shopping and overseas spend. It's beginner-friendly. It carries an annual fee that can often be waived. Confirm the current terms before applying.
View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.
Sources
- Citibank official — Citi Cash Back+ Card
- SingSaver — Citi Cash Back+ Card
- Seedly — Citi Cash Back Plus Card
Last reviewed 16 Jun 2026.
Other cashback cards
- UOB One Card — UOB
- OCBC 365 Credit Card — OCBC
- Citi Cash Back Card — Citibank