Citi Cash Back+ Credit Card April 2021 Review | Rates & Fees | Finder Singapore
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Citi Cash Back+ Credit Card Review

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Earn 1.6% cashback on your spending – with no limit or minimum spend.

The Citi Cash Back+ Credit Card is a credit card that gives you 1.6% cashback on your spend all year round. There is no minimum spending required, and no limit on how much cashback you can earn. Read on to find out what you need to know about the Citibank Cash Back + Credit Card.

S$0 annual fee for 1 year - S$192.60 thereafter

Annual Fee

26.9%

Effective Interest Rate

S$30,000

Min Income - Singaporean and PR

Details

Product NameCiti Cash Back+ Card
RewardGet up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
Effective Interest Rate26.9%
Interest Free PeriodUp to 25 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment1% or S$50, whichever is higher
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Expert review

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Review by


James Martin is a senior writer at Finder. He has written on a range of finance and business topics for over five years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, James can drill into the finer details of financial products to help you save time and money. In his spare time, James is a committed sports fan, novel reader and Thai food enthusiast.

Expert review

The Citi Cash Back+ Credit Card is a great card for those looking for a straightforward cashback card that requires no minimum spending across a range of categories. It rewards cardholders with a simple-to-understand 1.6% rebate on eligible spending. What’s more, it’s free from any confusing criteria on spending categories which other credit cards on the market may have. The limitless cashback earn can also be of interesting to those looking to buy big-ticket items on the card. Overall, the Citibank Cash Back+ Credit Card is a straightforward cashback card that’s particularly good for everyday purchases offering the added convenience of not having to track any category or minimum spending.

Benefits of the Citi Cash Back+ Credit Card

  • Welcome offer. Receive 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months. Valid till 31 May 2021.
  • Earn cashback. Earn 1.6% cashback all round the year with eligible retail spending. No minimum spending required.
  • Unlimited cashback. There is no limit on the amount of cashback you can earn.
  • Citi World privileges. Enjoy exclusive local and overseas deals and discounts with your Citibank credit card.
  • Refer-a-friend bonus.. Receive S$100 per successful referral and up to S$500 bonus for further successful referrals. T&Cs apply. Ends 30 April 2021.

Features of the Citi Cash Back+ Credit Card

  • Annual fee waiver. Your card fee of S$192.60 is waived for the first year.
  • Redeem cashback instantly. Using the Citi Mobile App, you can easily track your cashback and redeem it on the go.
  • 0% plans. Convert your big-ticket purchases into smaller bills with 0% instalment plans.
  • Citi FlexiBill. Convert your credit card statement retail balance into instalment plans.

How to apply for the Citi Cash Back+ Credit Card?

If you’ve decided that you would like to apply for the Citi Cash Back+ Credit Card, you can click the ‘Apply now’ button from there and follow the prompts. Singaporeans and permanent residents can use MyInfo to complete their application online. If you aren’t able to use MyInfo then you’ll need to fill in an online form on this provider’s website, and upload the relevant documents.

Make sure that you meet the eligibility criteria and have the required documents before beginning your application.

Eligibility criteria

  • Open to Singaporeans, Singapore permanent residents and foreigners
  • 21 years old and above
  • Minimum income of S$30,000 (local/PR) or S$42,000 a year for foreigners

Required documents

Salaried employees

  • A copy of your NRIC/passport
  • Latest original computerised payslip or tax notice of assessment or last 12 months’ CPF statements

Self-employed

  • A copy of your NRIC/passport
  • Last 2 years’ income tax notice of assessment
  • Last 3 months’ bank statements

Foreigners

  • A copy of your passport and 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

Frequently asked questions

What are some of the exclusions for earning cash back?

The following transactions shall not be taken into account and will not earn any cash back:

  • All fees charged by Citibank, such as annual fees and late payment charges
  • Bill payments
  • Payments to educational institutions
  • Payments to government institutions and services
  • Payments to insurance companies
  • Payments to financial institutions, including banks and brokerages
  • Any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts

How do I redeem the cashback?

Cardmembers can typically redeem their cashback for cash rebates via SMS. Read more about how cashback cards work through our comprehensive guide.

What are some examples of Citibank credit card privileges?

The Citi World privileges is an exclusive programme for Citibank credit card members. Cardholders get to enjoy discounts on dining deals, wedding perks in hotels, special travel and hotel discounts, petrol savings and complimentary green fees are selected golf clubs.

Compare other credit cards from Citibank

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Citi PremierMiles Card
Earn 1.2 Citi Miles for every S$1 spent locally and 2 Citi Miles for every S$1 spent overseas.
Up to 26% cashback at selected merchants
S$192.60 annual fee
S$30,000
Get 45,000 miles when you spend S$9,000 in the first 3 months. Annual fee applies.
Citi Cash Back Card
Get up to 20.88% fuel discounts at Esso and Shell. 6% cashback on dining and 8% cashback on groceries.
6% cash back on dining, 8% cashback on groceries and petrol transactions. 0.25% cashback on other retail purchases, capped at S$80 for all transactions per statement month.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping and 0.3% savings on all other spend
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply.
Citi Rewards Credit Card
10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
Up to 26% cashback at selected merchants
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 30 June 2021
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
S$120,000
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 30 June 2021.
Citi Lazada Card
Earn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
Enjoy shipping rebates on eligible purchases of at least S$50 at Lazada.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
New Citibank customers can get S$250 Lazada & RedMart vouchers upon minimum spend of S$250. T&Cs apply. Ends 26 May 2021.
Citi Cash Back+ Card
Get up to 20.88% fuel discounts at Esso and Shell and 1.6% cash back on eligible retail purchases.
1.6% cash back on selected retail purchases
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive 4.5% cashback on up to S$5,000 spend (up to S$225 cashback) in the first 3 months. Valid till 31 May 2021.
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