Citi
Enjoy uncapped 1.6% cashback on all eligible spends with no minimums. First-year annual fee waiver and exclusive cash sign-up bonuses make this card a top pick.
The Citi Cash Back+ Card stands out for its simplicity and usability. With a flat 1.6% cashback on virtually every spend, you don’t need to track multiple categories or remember spending caps. The minimum income requirement for Singaporeans or PRs starts at $30,000 per year, while the annual fee of $196.20 is waived for the first year. Cashback is credited directly to your statement, making rewards instant and hassle-free.
How to Apply for the Citi Cash Back+ Card
Applying for this card is quick and straightforward. Begin by preparing your NRIC, proof of income, and recent employment documents. Then, visit the official application portal and fill in your details. You can use SingPass MyInfo for faster approval. Once submitted, await your approval notification to start enjoying instant cashback rewards.
Pros of the Citi Cash Back+ Card
A major advantage is the unlimited 1.6% cashback on all eligible spend, without any cap or minimum spend required. This ensures you get consistent rewards regardless of your shopping habits.
Additionally, the card’s rewards never expire, giving you flexibility in claiming your cashback. The hassle-free, automatic crediting means there is no need for manual redemptions or tracking multiple spend categories.
Cons of the Citi Cash Back+ Card
This card offers a flat 1.6% on all spend, so there is no bonus rate for specific categories such as groceries or transport which some alternatives provide.
Also, exclusions apply for certain transactions such as insurance payments and utilities, so always check the terms and conditions to ensure your spend qualifies for cashback.
Verdict
The Citi Cash Back+ Card is ideal for those seeking simple, uncapped cashback on all transactions. It’s perfect for individuals who want to maximise everyday rewards without extra planning. While it lacks high category-specific rates, its ease of use, instant cashback, and attractive sign-up offers make it a strong contender in the Singapore market.
