Citi Cash Back+ Credit Card Review

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 Citi Cash Back + Credit Card.

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$0 annual fee for 1 year - $192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameCiti Cash Back+ Credit Card
RewardGet up to 14% 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 $50, whichever is higher

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 Citi 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 10% cash back (up to $300 cash back) on up to $3,000 spend in the first 2 months. T&Cs apply. Valid until 31 Oct 2022.
  • 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 Citi credit card.

Features of the Citi Cash Back+ Credit Card

  • Annual fee waiver. Your card fee of $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 $30,000 (local/PR) or $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


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


  • 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 Citi, 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 Citi credit card privileges?

The Citi World privileges is an exclusive programme for Citi 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.

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