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Citi Cash Back+
Cashback card by Citi · Easy · No minimum spend
Earns 1.6% on all spend in S$. Annual fee: S$196.20.
Earn rate1.6%all spend in S$
Everything else1.6%in S$
Foreign currency1.6%before fees
Annual feeS$196.20
Checked against Citi's own terms on 2 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Everything else, in S$ | Any way of paying | 1.6% |
| Everything else, in a foreign currency | Any way of paying | 1.6% |
The bank's full earning rules
- 1.6% cash back on eligible purchases all year round, no minimum spend and no cap.
Where the bonus applies
- All eligible retail spend
Earns nothing on
- Per the Cardmember's Agreement
- Never earn (Citi Rewards Exclusion List, effective 16 Dec 2024), by MCC: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513…
- Never earn, by merchant or statement description (same list; not exhaustive, any combination or part of these counts): AXS, AMAZE*AXS…
Fees and limits
Annual feeSGD 196.20 incl. 9% GST.
Minimum incomeSGD 30,000 (Singaporeans/PRs); SGD 42,000 (foreigners).
Overseas feeUp to 3.25% administrative fee on foreign-currency transactions; 1% on SGD transactions processed overseas (Citibank pricing guide, same for all Citi cards).
Rewards expiryCashback has no expiry date.
Turning rewards into miles or cashRedeem cashback as a cash rebate via the Citi Mobile app or SMS.
Good to know
1.6% on eligible purchases, no minimum spend, no cap; cashback never expires.
Citi Plus customers with a Citi Interest Booster Account can earn a 0.4% bonus (S$500 minimum spend, capped at S$2,000 spend); not modelled.
Where these facts come from
Citibank Pricing Guideprinted Sep 2026
Citi Rewards Exclusion List (ThankYou Points / Citi Miles / Cash Back)updated Nov 2024, effective 16 Dec 2024
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