Citi Cash Back+ Mastercard®

Apply now

Key Features

1.6%
Cash Back on Eligible Spend
^S$0
Min. Spend per month
Unlimited
Cash Back Cap

Promotion

Shopping

There is no minimum spend required to earn 1.6% cashback on all your purchases.
Quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback with Citi PayAll by paying big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Buffet Promotion

Quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback with Citi PayAll by paying big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Grocery

There is no minimum spend required to earn 1.6% cashback on all your purchases.
Quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback with Citi PayAll by paying big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Dining

Enjoy a flat 1.6% cashback on all your purchases, with no minimum spend required.
Receive up to 25% discount on a la carte food items at Lawry’s The Prime Rib Singapore.
Use Citi PayAll to quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when paying for big-ticket bills like rent, insurance premiums, education expenses, taxes, utilities, and more.

Online Shopping

There is no minimum spend required to earn 1.6% cashback on all your purchases.
Quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or cashback with Citi PayAll by paying big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Cash Back

Enjoy a flat 1.6% cashback on all your purchases with no minimum spend and no cap on the cashback earned. Cashback earned will be specified in the monthly statement and does not expire.
Redeem your cashback easily with the Citi Pay with Points feature, available via Citibank Online, Citi Mobile App, or SMS. However, do note that redemption requires 7 working days before it’s reflected on your statement.
Certain exclusions apply, such as annual fees, instalments, payments to educational, governmental, and financial institutions, insurance premiums, and more.
With Citi PayAll, you can earn and accumulate rewards quickly when you pay your big-ticket bills, including rent, insurance premiums, education expenses, taxes, utilities, and more. Choose to earn Citi Miles, Citi ThankYou PointsSM or Cash Back with this feature.

Other Features

Enjoy a flat 1.6% cashback on all your purchases with no minimum spend required.
There are no caps on the cashback you can earn, and it doesn’t expire.
Redeem your cashback easily with Citi Pay with Points or for cash rebate via SMS.
If you’re a Citi Plus customer and the Primary Account Holder of a Citi Interest Booster Account, you can earn an additional 0.4% Bonus Cash Back on your spend.
With Citi PayAll, you can quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back by paying your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more.
It’s important to note that while we strive to keep our information accurate and up-to-date at LOANPANDA, there may be differences between what we provide and what you see on financial institution, service provider, or product websites. LOANPANDA is not liable for any compensation if the information is not as updated as our partner’s.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$42,000

Fees and Charges

Annual Principal Fee: S$194.40
Supplementary Annual Fee: S$97.20
Fee Waiver: First year annual fee waived
Interest Free Period: 25 days
Annual Interest Rate: 26.90%
Late Payment Fees: S$100
Minimum Monthly Repayment: 1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is greater
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A

Review

By LOANPANDA

The Citi Cash Back+ Mastercard offers a flat 1.6% cashback on all purchases, with no minimum spend required and no cap on the cashback earned. Customers can also quickly earn and accumulate rewards with Citi PayAll when paying big-ticket bills.

The card also provides additional benefits such as a 25% discount on a la carte food items at Lawry’s The Prime Rib Singapore and the ability to earn an extra 0.4% bonus cashback if you’re a Citi Plus customer and the primary account holder of a Citi Interest Booster Account. However, customers should be aware of the card’s high annual interest rate of 26.90% and foreign currency transaction fee of 3.25%.

woman-review-pc

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.

X

Chinese (Simplified)