Citi Cash Back+ Card
Best for: anyone who wants a high flat cash back rate without tracking categories.
Pros
- Highest flat cash back rate in this comparison
- Nothing to track or register
- Foreigners qualify from S$42,000
Cons
- S$196.20 annual fee from year two
- Category cards pay more if you reliably hit their minimum spend
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Citi Cash Back+ Card pays 1.6% cash back on eligible spend with no minimum spend and no cap, which makes it the simplest high-rate card in this comparison.
Citi Cash Back+ Card at a glance
| Issuer | Citibank Singapore |
| Card network | Mastercard |
| Annual fee | S$196.20 (first year waived) |
| Rewards rate | 1.6% cash back on eligible spend with no minimum spend and no cap; extra 0.4% for Citi Plus customers who spend S$500+ a month (bonus capped at S$8 a month) |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 27.9% p.a. |
| Foreign transaction fee | Up to 3.25% |
| Credit needed | S$30,000 for Singaporeans/PRs; S$42,000 for foreigners |
| Best for | Anyone who wants a high flat cash back rate without tracking categories |
Key features
- 1.6% cash back with no cap and no minimum spend
- Redeem cash back instantly through the Citi Mobile app or SMS
- Citi PayLite: first three S$500+ purchases per bundle period to instalments with no processing fee
- Citi World Privileges dining and shopping offers
Pros
- Highest flat cash back rate in this comparison
- Nothing to track or register
- Foreigners qualify from S$42,000
Cons
- S$196.20 annual fee from year two
- Category cards pay more if you reliably hit their minimum spend
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: citibank.com.sg · citibank.com.sg
How it compares with similar Singapore cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Citibank SingaporeCiti Cash Back+ 5250 0491 0812 8313 VALID THRU 12/29CASEY BROOKS Citi Cash Back+ CardAnyone who wants a high flat cash back rate without tracking categories |
S$196.20/yr | 1.6% cash back on eligible spend with no minimum spend and no cap; ext… | None | Up to 3.25% | S$30,000 for Singaporeans/PRs;… | |
UOBOne 5295 9745 9886 8994 VALID THRU 03/29SAM RIVERA UOB One CardSteady spenders who hit S$600 to S$2,000 a month with 10+ purchases |
S$196.20/yr | Quarterly cash back of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,… | None | 3.25% | S$30,000 for Singaporeans/PRs… | |
Maybank SingaporeMaybank Family & Friends 5223 6152 0941 3426 VALID THRU 01/29TAYLOR REED Maybank Family & Friends CardHouseholds that want to pick their own 8% cash back categories |
S$196.20/yr | 8% cash back in 5 categories you choose with at least S$800 spend a mo… | None | 2.25% Maybank fee plus up… | S$30,000 for Singaporeans/PRs;… | |
OCBC BankOCBC 365 4495 4526 9057 0819 VALID THRU 09/28TAYLOR REED OCBC 365 Credit CardHouseholds spending S$800+ a month on petrol, dining and groceries |
S$196.20/yr | 6% petrol; 5% dining and food delivery; 3% groceries, land transport,… | None | 3.25% (1% card network + 2… | S$30,000 for Singaporeans/PRs… |
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