Citi Cash Back+ Card vs UOB Absolute Cashback Card
A side-by-side comparison of two Singapore cashback cards. Rates, caps and fees come from each issuer’s published terms; the simulator projects each card’s annual cashback at the spend you enter.
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At S$2,100/mo entered, the UOB Absolute Cashback Card projects the higher annual cashback figure — a difference of S$25.
Figures update as you change your spending. They are projections from your inputs and each issuer’s published rates — not a promise of returns. Open the detailed breakdown below to see each card’s per-category working, side by side.
Every value is taken from each issuer’s published terms. A blank field shows as “—”. Earn caps are shown in the issuer’s native period — a quarterly cap is not converted to monthly.
See the full details for each card
Citi Cash Back+ Card and UOB Absolute Cashback Card, compared
How the Citi Cash Back+ Card and the UOB Absolute Cashback Card differ
The Citi Cash Back+ Card earns a flat 1.6% on all eligible spend. The UOB Absolute Cashback Card earns a flat 1.7% on all eligible spend. On earn caps, the Citi Cash Back+ Card is uncapped and the UOB Absolute Cashback Card is uncapped.
Where the Citi Cash Back+ Card and the UOB Absolute Cashback Card pay different rates
Neither card carries a bonus category, so one flat rate applies to all eligible spend: 1.6% on the Citi Cash Back+ Card and 1.7% on the UOB Absolute Cashback Card.
Where the Citi Cash Back+ Card and the UOB Absolute Cashback Card are alike
Both carry the same S$196.20 annual fee. Neither card caps the total cashback earned each month.
What each card requires before the published rates apply
Both cards apply their published rates from the first dollar of eligible spend, with no minimum-spend tier to clear.
How the projection is calculated
The earnings section above projects each card’s annual cashback from the category amounts you enter, using each issuer’s published rates and caps. Output depends only on the card data and your inputs — affiliate status never changes the figures or the order they appear in. You can simulate any spending mix to compare the two cards at your own profile.
Other head-to-heads with these cards
Each runs the same earning calculation on your own spending, so you can weigh Citi Cash Back+ Card or UOB Absolute Cashback Card against a different alternative.
Frequently asked questions
What is the difference between the Citi Cash Back+ Card and the UOB Absolute Cashback Card?
Neither card carries a bonus category, so one flat rate applies to all eligible spend: 1.6% on the Citi Cash Back+ Card and 1.7% on the UOB Absolute Cashback Card. The Citi Cash Back+ Card earns a flat 1.6% on all eligible spend. The UOB Absolute Cashback Card earns a flat 1.7% on all eligible spend.
Do the Citi Cash Back+ Card and the UOB Absolute Cashback Card charge an annual fee?
The Citi Cash Back+ Card: S$196.20 (First year waived). The UOB Absolute Cashback Card: S$196.20 (First year waived).
Which card projects more cashback for my spending?
It depends on your spending mix. The simulator above projects each card’s annual cashback from the amounts you enter, and states which card projects higher at that spend. Change the inputs to compare at your own profile.
What are the earning caps on the Citi Cash Back+ Card and the UOB Absolute Cashback Card?
On total cashback, the Citi Cash Back+ Card is uncapped and the UOB Absolute Cashback Card is uncapped.
What is the minimum income for the Citi Cash Back+ Card and the UOB Absolute Cashback Card?
The Citi Cash Back+ Card: S$30,000 (citizen/PR) · S$42,000 (foreigner). The UOB Absolute Cashback Card: S$30,000 (citizen/PR) · S$40,000 (foreigner). Eligibility also depends on each issuer’s own assessment; confirm current criteria with the issuer before applying.
Is this comparison affected by affiliate links?
No. The projected figures and the order of the two cards depend only on each card’s published data and the spending you enter; affiliate status never changes them. Card details are shown as of each issuer’s verification date — confirm current terms with the issuer before applying.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.