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Citi Cash Back+ Card
Enjoy unlimited 1.6% cash back on eligible spend with no minimum spend or cashback cap. Perfect for steady earners who want fuss-free rewards every month.
The Citi Cash Back+ Card offers cardholders a straightforward unlimited 1.6% cashback on all eligible spend. There are no tricky minimum spend requirements and no cap on the total cashback you can earn, making it a favourite for those who seek simplicity. Typically, income eligibility for Singaporeans/PRs starts at $30,000 annually, and up to $42,000 for foreigners. Annual fees are $196.20, usually waived for the first year. Interest rates and credit limits are subject to bank approval, based on your personal financial profile.
How to Apply for the Citi Cash Back+ Card
- Prepare your NRIC and income documents
- Apply online via the official card application page
- Use MyInfo for instant verification
- Wait for approval notification (can be as fast as instant)
- Activate your new card and start spending
Pros of the Citi Cash Back+ Card
One key advantage is the unlimited 1.6% cashback on all eligible transactions. It’s ideal for both everyday spending and big-ticket items, letting you maximise returns without tracking spend.
Another benefit is that your cashback never expires and is credited directly to your statement, making redemption simple and fuss-free every billing cycle.
Cons of the Citi Cash Back+ Card
On the downside, the flat rate does not include boosted cashback for specific categories like dining, groceries, or transport. Those who mainly spend in high-reward categories may earn more elsewhere.
Additionally, certain transaction types—such as insurance payments or government-related services—are excluded from cashback, so review the exclusions before using the card for these payments.
Verdict
The Citi Cash Back+ Card is best suited for those wanting predictable, unlimited cashback without hassle. While it may not suit deal-seekers optimising for category bonuses, it excels in ease of use and transparency, rewarding you on practically every eligible dollar spent. For maximum convenience and steady returns, it stands out among flat-rate cashback cards.
