Citi Cash Back+ Card

Cashback1st year fee waived

How it earns

1.6% on all eligible spend, no minimum, no cap

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$361	S$165	20 of 27
Eats out a lot S$2,050/mo	S$374	S$178	19 of 27
Frequent traveller S$3,570/mo	S$662	S$466	18 of 27
Family with a car S$3,050/mo	S$547	S$351	19 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card · Mastercard
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived.
Minimum income	S$30,000 (citizens & PRs) · S$42,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	—
Expiry	Cashback does not expire
Foreign-currency fee	3.25%

Good to know

An extra 0.4% applies only to Citi Plus customers with an Interest Booster Account; not counted here.

Common questions

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

S$196.20 a year including GST, waived for the first year. First year waived.

What income do I need for the Citi Cash Back+?

S$30,000 (citizens & PRs) · S$42,000 (foreigners).

How much will I earn with the Citi Cash Back+?

On a typical S$2,000 a month of everyday spending, about S$361 cashback a year, or S$165 after the annual fee. That ranks it 20 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the Citi Cash Back+?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

https://www.citibank.com.sg/credit-cards/cashback/cash-back-plus-card

Terms change often. Always confirm rates, caps and fees on Citi's own page before applying. Found something out of date? Tell us.