Citi Cash Back+ Card
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Citi Cash Back+ Card Review (2024)

The Citi Cash Back+ Card positions itself as a strong contender in the cashback card arena, offering unlimited cashback with enticing welcome promotions. Let’s delve into the features, benefits, and drawbacks of this card to help you make an informed decision on whether it’s the right fit for your wallet.

Citi Cash Back+ Card

Eligibility Requirements

Age: 21 and above
Income: S$30,000 and above for Singapore Citizens and PRs; S$42,000 and above for foreigners with a valid visa

Meeting these requirements opens the door to unlimited cashback potential without any minimum spending obligations.

Fees and Charges

  • Annual Fees:
    • Principal Card: S$194.40 (waived for the first year)
    • Supplementary Card: First year free, subsequent years at S$97.20
  • Interest Rates: 26.9% (min. charge of S$3)
  • Late Payment Charges: S$100
  • Foreign Currency Transaction Fee: 3.25%

While the first year offers a fee waiver, subsequent years may require contacting customer support for consideration.

Cashback, Discounts, and Other Perks

  • Unlimited 1.6% cashback with no minimum spending
  • Access to Citi World Privileges for exclusive deals
  • Breakdown big purchases into smaller payments with Citi PayLite

The flat 1.6% cashback rate simplifies earning rewards across all spending categories, including overseas transactions, making it a versatile choice.

Pros and Cons


  • No minimum spend requirement for cashback
  • Cashback does not expire
  • Access to Citi World Privileges for added benefits
  • Convenient instalment options with Citi PayLite


  • Inconsistent customer service experience
  • Manual cashback redemption process via SMS with fixed denominations
  • Lack of automatic annual fee waivers after the first year

Current Promotion

Receive attractive welcome rewards, including a Dyson Supersonic, Apple iPad, Dyson V8 Slim Fluffy, eCapitaVoucher, or cash bonus with a minimum spend within 30 days of card approval until March 31, 2024.

Is the Citi Cash Back+ Card Right for You?

This card suits individuals seeking straightforward cashback rewards without complex spending requirements. It’s ideal for those who prefer a reliable cashback rate across all transactions and can maximize benefits through strategic spending.

Best Suited For:

  • Existing Citi Cash Back Cardholders looking to diversify rewards
  • Individuals planning significant purchases within the promotional period
  • Those seeking hassle-free cashback with versatile redemption options

Not Recommended For:

  • Individuals requiring cashback for transitlink/GrabPay top-ups or specific bill payments
  • Moderate spenders falling within the S$800 to S$1,300 range per month
  • Long-term cardholders seeking the highest unlimited cashback rates in the market beyond promotional periods

Evaluate your spending habits and financial goals to determine if the Citi Cash Back+ Card aligns with your needs. Maximize your cashback potential while enjoying exclusive privileges with this versatile cashback card from Citibank.

Remember also to check out Top 10 Credit Card Promotions to Maximize Your Benefits in Singapore for 2024

Frequently Asked Questions (FAQs)

Can I redeem my cashback in any denomination?

Unfortunately, cashback redemption is limited to fixed denominations of S$10, S$20, or S$50.

Is there a limit on the cashback I can earn?

No, there is no cap on the amount of cashback you can earn, making it an attractive feature for heavy spenders.

Are there any spending categories excluded from earning cashback?

Yes, certain transactions such as EZ-Link top-ups, government payments, and insurance premiums are not eligible for cashback rewards.

How can I request an annual fee waiver after the first year?

You will need to contact Citibank’s customer support team to request an annual fee waiver, which is not automatic after the first year.

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