Citi Cash Back+ Card
Earn 1.6% cashback on eligible retail spend, with no minimum spending requirement or cashback cap. Earned cashback does not expire.
Benefits & important limits
- Earn 1.6% cashback on eligible retail spend, with no minimum spending requirement or cashback cap. Earned cashback does not expire.
- Cashback is redeemed through Citi’s supported redemption channels. Fees, cash advances, balance transfers and excluded merchant categories do not earn the retail cashback.
- The headline welcome cashback is a temporary acquisition offer with its own spend and cap; the ongoing base rate is 1.6%. Overseas purchases still incur standard FX fees.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First year waived; subsequent fee waiver is subject to the bank’s assessment.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Citi lists foreign applicants with a passport and valid work pass of at least six months’ validity, proof of address, latest payslip and Income Tax Notice of Assessment. Confirm your exact pass type with Citi.
Principal age: 21+
Application documents ↗Overseas & FX fees
Citi foreign-currency Visa / Mastercard purchases incur an administrative fee of up to 3.25%, on the network-converted SGD amount. Cashback and miles do not waive this fee.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.