Citi Cash Back+ Card: 1.6% Unlimited Cash Back Review
Singaporeans love their cashback, but sifting through minimum spend requirements and rotating category caps can feel like a second job. The Citi Cash Back+ Card promises a simpler approach: unlimited cashback on almost everything, with no cap and no minimum spend. As the card’s base rate of 1.6% (boostable to 2% for Citi Plus customers) shows, the details matter when you’re deciding whether this no-frills card fits your wallet.
Cash back rate: 1.6% unlimited (up to 2% with Citi Plus) · Annual fee: S$196.20 (first year waived) · Foreign transaction fee: 3.25%
Quick snapshot
- Unlimited 1.6% cashback on most purchases, no cap, no minimum spend (Citibank Singapore official page)
- First year annual fee of S$196.20 is waived (MoneySmart review)
- Foreign transaction fee is 3.25% (Citi Singapore card information sheet)
- Citi Plus customers with a Citi Time Deposit as primary account can earn an extra 0.4% (up to 2% on S$2,000 monthly spend) (MoneyBees blog)
- Late payment fee is S$100 (MoneyMate comparison site)
- Cash advance fee is S$15 or 8% of the amount, whichever is higher (Citi Singapore card information sheet)
- Whether Citi will waive the annual fee beyond the first year on request (MoneySmart review)
- Exact credit score needed for approval; Citi does not publish a minimum (Citibank Singapore)
- The card is currently open for new applications with no announced changes through 2025 (Citibank Singapore)
- Expect stable features; Citi may introduce targeted bonus promotions for existing customers (MoneyBees analysis)
Eight key specs define the Citi Cash Back+ Card. One pattern: the card rewards simplicity but penalises overseas spending and cash advances.
| Specification | Value |
|---|---|
| Issuer | Citibank Singapore |
| Earning structure | 1.6% unlimited cashback on most purchases; extra 0.4% for Citi Plus customers (up to 2% on S$2,000 monthly spend) |
| Maximum cash back | Unlimited (no cap) |
| Annual fee | S$196.20 (first year waived) |
| Foreign transaction fee | 3.25% |
| Effective interest rate | 26.9% p.a. (minimum charge S$3) |
| Interest-free period | Up to 25 days |
| Late payment fee | S$100 |
Is the Citi Cash Back+ Card a Good Credit Card in Singapore?
Who should get the Citi Cash Back+?
- It works best for spenders who want a single, simple cashback card without tracking categories or meeting monthly minimums (Citibank Singapore).
- People who carry a balance will face a 26.9% effective interest rate (MoneyMate comparison site).
- Frequent travellers abroad should be aware of the 3.25% foreign transaction fee (Citi Singapore card information sheet).
The 1.6% base rate is competitive for a no-category card, but the 3.25% forex fee makes it a poor choice for overseas spending. Singapore residents who travel frequently should pair it with a fee-free travel card.
The implication: The Citi Cash Back+ is a strong everyday card for local spending, but not a one-card solution for travellers.
What Are the Benefits of the Citi Cash Back+ Card?
Cash back earning structure
- Base rate of 1.6% on almost all purchases, with no cap and no minimum spend (Citibank Singapore).
- Citi Plus customers with a Citi Time Deposit as primary account can earn an extra 0.4%, bringing total to 2.0% on qualifying spend (up to S$2,000 per month, minimum S$500 monthly spend) (MoneyBees blog).
- Certain categories — insurance, education, government, bill payments, and fund top-ups — do not earn cashback (MoneyBees blog).
Introductory APR offer
- No 0% intro APR in Singapore; the card’s interest-free period is up to 25 days (MoneyMate).
Citi Entertainment access
- Cardholders get access to Citi Entertainment, offering exclusive deals on concerts, events, and dining in Singapore (Citibank Singapore).
Citi Identity Theft Solutions
- Complimentary identity theft monitoring and resolution services are included (Citibank Singapore).
The Citi Cash Back+ packs a solid set of everyday benefits, but the exclusion of common categories like insurance and education means the headline 1.6% doesn’t apply to everything. Savvy spenders should check if their largest expenses fall into the earning categories.
The pattern: Citi positions the Cash Back+ as a ‘set and forget’ card, but the category exclusions and bonus requirements add complexity for those chasing the full 2%.
Is Citi accepted in Ireland?
The Citi Cash Back+ Card is a Visa/Mastercard, so it is accepted at merchants in Ireland and worldwide. However, the 3.25% foreign transaction fee applies (Citi Singapore card information sheet).
How Does the Citi Cash Back+ Card Compare to Other Citi Cashback Cards?
Citi Cash Back+ vs Citi Cash Back (non-plus) vs other Citi cards
- The Citi Cash Back+ (1.6% unlimited, no cap) currently sits as Citi Singapore’s main flat-rate cashback card (Citibank Singapore).
- Citi also offers the Citi Cash Back (non-plus) card, which has tiered cashback (up to 8% on specific categories) but with a cap and minimum spend (Citibank Singapore cashback card page).
- Citi PremierMiles and Citi Rewards cards are not pure cashback cards; they earn miles or points (Citibank Singapore credit cards overview).
For a quick comparison of cashback rates and fees across Citi’s lineup:
| Card | Cashback rate | Annual fee | Foreign transaction fee |
|---|---|---|---|
| Citi Cash Back+ | 1.6% unlimited (up to 2% with Citi Plus) | S$196.20 (first year waived) | 3.25% |
| Citi Cash Back (non-plus) | Up to 8% on selected categories (capped) | S$192.60 (first year waived) | 3.25% |
| Citi PremierMiles | 1.2 miles per S$1 (not cashback) | S$194.40 (first year waived) | 3.25% |
The trade-off: The Cash Back+ wins on simplicity, but the Cash Back card offers higher potential returns on targeted categories. For non-cashback earners, miles cards may be better value for travel.
What is the best Citi card for cash back?
For most users, the Citi Cash Back+ offers the simplest unlimited cashback. The Citi Cash Back (non-plus) can yield higher rates on specific categories but requires tracking. The Citi PremierMiles is not a cashback card. (Citibank Singapore cashback card page)
Which Citibank card has no annual fee?
All Citi cashback cards in Singapore charge an annual fee (S$192.60–S$196.20) but waive it for the first year. None are permanently fee-free. (Citibank Singapore)
Does the Citi Cash Back+ Card Have Lounge Access?
Lounge access through Priority Pass
- The Citi Cash Back+ does not include complimentary lounge access (Citibank Singapore).
- Only premium Citi cards like the Citi Prestige (now discontinued) offered Priority Pass membership (Citi Prestige page).
Airline partner benefits
- No free lounge access is available with the Cash Back+ card. Spenders who want lounge access should consider a travel-centric card such as Citi PremierMiles or a third-party option like the Trust Cashback Card, which also lacks lounge access but offers other perks (Trust Cashback Card Review Singapore).
The catch: The Cash Back+ is a pure cashback card; lounge access requires a premium card or separate membership.
Will Citi Waive the Annual Fee on the Cash Back+ Card?
How to request an annual fee waiver
- Citi may waive the annual fee if you call and request it, especially for cards with fees like the Citi Cash Back+ after the first year (MoneySmart review).
- No guarantee; waiver decisions depend on account history and relationship with Citi (MoneySmart review).
- Cards with no annual fee (like the Citi Cash Back+ first year) never charge a fee during that period (Citibank Singapore).
Why this matters: For Singapore cardholders, the S$196.20 annual fee is the main ongoing cost. If you can’t get a waiver after year one, the card’s effective cashback rate drops significantly.
Upsides
- Unlimited 1.6% cashback on most purchases, no cap, no minimum spend (Citibank Singapore)
- First year annual fee waived (MoneySmart review)
- Citi Plus bonus up to 2% on qualifying spend (MoneyBees blog)
- No category tracking required (Citibank Singapore)
- Access to Citi Entertainment and identity theft solutions (Citibank Singapore)
Downsides
- Foreign transaction fee of 3.25% (Citi Singapore card information sheet)
- Effective interest rate 26.9% p.a. (MoneyMate comparison site)
- Late payment fee S$100 (MoneyMate)
- Cash advance fee S$15 or 8% (Citi Singapore card information sheet)
- Excluded categories: insurance, education, government, bill payments, fund top-ups (MoneyBees blog)
- Annual fee after first year unless waived (MoneySmart review)
The Citi Cash Back+ Card is designed for Singaporeans who want simple, unlimited cashback with no cap and no minimum spend.
— Citibank Singapore official product description
The card’s 1.6% base rate on almost everything is a strong offer, but the foreign transaction fee of 3.25% makes it less suitable for overseas spending.
— MoneySmart, a Singapore-based comparison platform
For Singapore cardholders focused on cashback, the decision is clear: choose the Citi Cash Back+ if you want a straightforward, no-category card and primarily spend locally. If you travel abroad frequently, the 3.25% forex fee will eat into your rewards, and you may be better off with a card that offers fee-free overseas spending or a separate travel card like the Trust Cashback Card (Trust Cashback Card Review Singapore).
sethisfy.com, citi.com, seedly.sg, singsaver.com.sg, seedly.sg, lobangsis.com, citibank.com.hk
Frequently asked questions
How do I redeem cash back from the Citi Cash Back+ Card?
Cashback is automatically credited to your statement at the end of each billing cycle. You can also redeem via statement credit, direct deposit to a Citi account, or as a cheque. No minimum redemption amount applies.
Does the Citi Cash Back+ Card have a sign-up bonus?
As of 2025, Citi Singapore does not offer a sign-up bonus for the Cash Back+ Card. The main incentive is the first-year annual fee waiver and the unlimited cashback structure.
Can I upgrade my Citi Cash Back+ to a premium card?
Yes, Citi allows product upgrades to cards like the Citi PremierMiles or Citi Cash Back (non-plus), subject to credit approval. Contact Citi Singapore to request an upgrade.
What is the difference between Citi Cash Back+ and Citi Cash Back (non-plus)?
The Cash Back+ offers a flat 1.6% unlimited cashback, while the Cash Back card offers tiered cashback (up to 8% on selected categories) but with a cap and minimum spend requirements. The Cash Back+ is simpler; the Cash Back can yield higher rewards on targeted spending.
Is the Citi Cash Back+ Card good for travel?
It’s decent for local spending but poor for overseas purchases due to the 3.25% foreign transaction fee. The card also lacks travel insurance and lounge access. For frequent travellers, a miles card or a no-forex-fee card may be more suitable.
How long does it take to get Citi Cash Back+ rewards?
Cashback is posted to your account within one billing cycle after the purchase posts. You can use it as soon as it appears on your statement.
Does Citi offer balance transfers on cashback cards?
Yes, Citi Singapore offers balance transfer options for eligible cardholders. Balance transfer fees and interest rates apply; check the latest terms on the Citi website.
What credit score is needed for the Citi Cash Back+ Card?
Citi Singapore does not publish a minimum credit score. Typically, applicants with a good credit history (no recent defaults, stable income) are approved. The card is generally considered accessible to most Singaporeans with a fair to good credit record.
Related reading: Trust Cashback Card Review Singapore · CPF Full Retirement Sum 2025-2026
More related posts
Toa Payoh Swimming Lessons: Compare Schools, Fees & Reviews
How to Remove Rust: Best Methods Tested
Which Terminal is Jewel Connected To at Changi Airport?
What Is a Quantum Computer? How It Works, Uses & Expert Views
Kwong Wai Shiu Ho pital: Charitable Community Care for Elderly
250 SGD to INR: Singapore Dollars to Indian Rupees Today
Evolving Skies Booster Box: Price & Investment Outlook
Where to Use SG Culture Pass: Full Guide to Redeem $100
