Citi

Citi Cash Back+ Card

1.6% cashback on all spend with no minimum

Citi Cash Back+ Card

Citi Cash Back+ Card

Citi

Base rate
1.6% on uncategorised spend
Minimum monthly spend
No minimum
Monthly cashback cap
No total cap
Annual fee
S$196.20 · First year waived
Minimum income
S$30,000

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Cashback rates

As of April 2026

Transport

Public Transport

Excluded

Other / uncategorised

Default rate on spend outside listed categories.

1.6%

Common exclusions: Insurance, Education, Government payments, Utilities, Transit, E-wallet top-ups

Highlights

  • check1.6% cashback on all spend with no minimum
  • checkNo monthly cashback cap
  • checkCashback never expires

Cashback is projected from your spend per category.

Total monthly

S$2,250

S$
S$
S$
S$
S$
S$

Calculated locally. Adjust the sliders to project your cashback on this card.

Projected cashback on Citi Cash Back+ Card

S$207net / year

Effective rate 0.77% on S$27,000 annual spend

Per-category projection

General · S$800 × 1.6%S$12.80/mo
Dining · S$400 × 1.6%S$6.40/mo
Groceries · S$500 × 1.6%S$8.00/mo
Shopping, online & entertainment · S$400 × 1.6%S$6.40/mo
Transport · S$150 × 0%S$0.00/mo
Monthly cashbackS$33.60
Annual grossS$403.20
Annual fee −S$196.20
Net annual cashbackS$207.00

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Frequently asked questions

How much cashback does the Citi Cash Back+ Card earn?

The Citi Cash Back+ Card earns 0% on transport, with 1.6% on other eligible spend.

What is the annual fee on the Citi Cash Back+ Card?

The Citi Cash Back+ Card has an annual fee of S$196.20 — first year waived.

What spend does not earn cashback?

Citi typically excludes insurance, education, government payments, utilities, transit, e-wallet top-ups from cashback eligibility on the Citi Cash Back+ Card. Refer to the official terms for the full exclusions list.

Are the cashback rates guaranteed?

No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.

Terms and conditions apply.

Last verified: April 2026

Explore other cashback cards

UOB Absolute Cashback Card

UOB · 1.7% base

Standard Chartered Simply Cash Credit Card

Standard Chartered · 1.5% base

HSBC Live+ Card

HSBC · 0.3% base

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Full ranking →

SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.

All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.