Citi Cashback Plus Card Review | What You Need To Know

Citi Cashback+ Card

Earn 1.6% cashback on general spend

Citi Cashback Plus Card Overview:

With no minimum or maximum spending requirements, the Citi Cashback Plus Card offers hassle-free unlimited cashback, making it ideal for heavy users who want to earn 1.6% cashback on all of their purchases year-round.

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$42,000 (foreigners)
  • Annual Fee: S$196.20 (incl. 9% GST)

Key Benefits:

  • Earn up to 1.6% cashback on all eligible spending with no minimum spend and no cap
  • Redeem your cashback via SMS in denominations of S$10, S$20, S$50

Best For Private Hospital Bill Payments
  • Since there’s no maximum spending limit, you can easily make a one-time payment using this card. I mentioned this card in Best Cards for Hospital Bills post.
 
Best for One Cashback Card Strategy
  • This card is great if you don’t like to hassle over qualifying merchants or minimum or maximum spending limitations.
Exclusion List:
MCC
Description
6529
Quasi Cash – Remote Stored Value Load – Financial Institute
6530
Quasi Cash – Remote Stored Value Load – Merchant
6534
Quasi Cash – Money Transfer – Member Financial Institution
6540
Non-Financial Institutions – Stored Value Card Purchase/Load
7349
Cleaning and Maintenance, Janitorial Services
7511
Quasi Cash – Truck Stop Transactions
7523
Parking Lots, Parking Meters and Garages
7800
Government-Owned Lotteries (US Region only)
7995
Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks
4829
Wire Transfer Money Orders (WTMOs)
4900
Utilities – Electric, Gas, Water, and Sanitary
5199
Nondurable Goods(Not Elsewhere Classified)
5960
Direct Marketing – Insurance Services
6012
Financial Institutions – Merchandise, Services, and Debt Repayment
6050
Quasi Cash – Financial institutions, Merchandise, Services
6051
Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, Travelers Cheques, and Debt Repayment
6211
Securities – Brokers and Dealers
6300
Insurance Sales, Underwriting and Premiums
6513
Real Estate Agents and Managers – Rentals
8211
Elementary and Secondary Schools
8220
Colleges, Junior Colleges, Universities, and Professional Schools
8241
Correspondence Schools
8244
Business and Secretarial Schools
8249
Vocational and Trade Schools
8299
Schools and Educational Services(Not Elsewhere Classified)
8398
Charitable and Social Service Organizations
8062
Hospitals
8651
Political Organizations
8661
Religious Organizations
9211
Court Costs Including Alimony and Child Support
9222
Fines
9223
Bail and Bond Payments
9311
Tax Payments
9399
Government Services(Not Elsewhere Classified)
9402
Postal Services – Government Only
9405
U.S. Federal Government Agencies or Departments
9754
Quasi Cash – Gambling – Horse Racing, Dog Racing, State Lotteries
5993
Cigar Stores and Stands
Advantages:
  • No minimum spend and no cap
  • Cashback earned does not expire
  • No specific MCCs or Categories to spend on
  • Can be used in private hospital bills
 
Disadvantages:
  • Cashback can be redeemed only in denominations of S$10, S$20 or S$50, capped at S$50 per redemption (although, there is no limit to the number of times you can redeem) – See “Frequently Asked Questions” on how to redeem.
  • Cashback does not automatically credit on statement account, needs to be redeemed
How to redeem cashback: There are two ways to redeem:
 
Citi Mobile App:
1. Open the Citi® Mobile® App and tap your rewards balance at the top of the screen to access the Rewards Dashboard.
2. Select “Cash Rebate.”
3. Enter the amount or use the slider to choose the Cash Rebate you wish to redeem.
4. After confirming the redemption, a statement credit will appear on your next account statement.
 
SMS
To redeem cash rebate, the Basic Cardmember must have at least S$10 in their Card account.
  • Basic Cardmembers may redeem their cash rebates via SMS by sending “RWDS ” to 72484. The keyword that corresponds to each cash rebate amount is set out in the table below:
Amount
Cashback
Keyword
S$10
S$10 Cash Back
CSHBK10
S$50
S$20 Cash Back
CSHBK20
S$100
S$50 Cash Back
CSHBK50

For example, to redeem $10 cash rebate, SMS to 72484: RWDS <space> Last 4 Digits of Your Card number <space> CSHBK10

Comparison Table with other cashback cards with no min spend requirement and no cap:

Description
AMEX True Cashback
Mari Credit Card
UOB Absolute Cashback
SC Simply Cash
Citi Cashback+
Cashback Rate
1.5%
1.7%
1.7%
1.5%
1.6%
Spend Requirement
No
No
No
No
No
Cashback Cap
No
No
No
No
No
Earn cashback on commonly excluded MCC
Yes (including education fees, insurance, healthcare, utilities and telco))
No
Yes (but after the update, 0.3% cashback only)
No
Yes (Other private healthcare facilities)  *MCC 8062 (Hospital) excluded
Minimum Annual Income
S$30,000
S$30,000
S$30,000
S$30,000
S$30,000
Earn cashback on bill payments
Yes
No
Yes
Yes
No
Cashback Redemption
Receive cashback in the same month’s statement
The cashback credited will be automatically applied to offset the billed amount in your next statement cycle.
Receive cashback automatically in the next statement month
Receive cashback automatically in the next statement month
Redeem cashback via SMS or on the Citi Mobile® app — cashback earned doesn’t expire

Final Thoughts:

This pretty straight forward card can be for no-frills spender as this doesn’t have a minimum spend requirement and no cashback cap. However, I personally would opt for DCS Ultimate Platinum Card as one of the highest no minimum spend general cashback cards in the market right now.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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Citi Rewards

Get Dyson Airstrait™ straightener or Dyson Digital Slim Submarine or Apple iPad (A16) 11" Wi-Fi 128GB or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Supersonic or Dyson WashG1™ wet floor cleaner or Apple iPad (A16) 11" Wi-Fi 128GB or Sony HT-AX7 or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 18, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

Citi Rewards

Get Dyson Airstrait™ straightener or Dyson Digital Slim Submarine or Apple iPad (A16) 11" Wi-Fi 128GB or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: June 30, 2025

HSBC Live+

Get Dyson Supersonic or Dyson WashG1™ wet floor cleaner or Apple iPad (A16) 11" Wi-Fi 128GB or Sony HT-AX7 or S$370 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: June 18, 2025

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

SC Simply Cash

Get Bose QuietComfort Ultra Wireless Noise Cancelling Headphones or Dyson AM07 or Shark Steam And Scrub Mop or S$380 Shopee Voucher or S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: June 30, 2025

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

Citi Cashback+ Card

Option 1: Direct Bank Promotion

  • Receive 8% cash back Welcome Offer for up to S$4,000 spend in the first 2 months of card approval
  • Valid til 31 July 2025
  • Read Terms and Conditions here

 

Option 2: SingSaver Promotion

  • Get Dyson Airstrait™ straightener (worth S$799) or Dyson Digital Slim Submarine™ (worth $699) or Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or S$485 eCapita Voucher or S$450 Shopee Vouchers or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 12 June to 30 June 2025
  • Promotion is valid for new to bank credit card holders
  • Read Terms and Conditions here
  • Must fulfill spending requirement to receive gift confirmation
  • Remember to check for SingSaver email and complete the registration to secure your reward!

Citi Cashback+ Card

  • Earn up to 1.6% cashback on all eligible spending with no minimum spend and no cap
  • Since there’s no maximum spending limit, you can make a one-time payment using this card on Hospital Bills

 

Annual Fee
  • S$196.20 (incl. 9% GST)

 

Income Requirement
  • S$30,000 (locals/PRs); S$42,000 (foreigners)

 

When/How is Cashback Credited
  • You must redeem cash rebate via SMS and you must have at least S$10 in your Card account

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

 

UOB Lady’s Card

NIL

UOB Lady’s Card

    • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
    • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
    • No minimum monthly spending required
    • Spending Cap:
      • Classic Card: S$1,000
      • Solitaire & Above Card: S$2,000

    Depending on what your planned usage is, you can change the categories every quarter. 

     

    Annual Fee
    • S$196.20 (incl. GST), waived for first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Points Expiry
    • They expire 2 years after the final day of each periodic quarter in which they were earned
     
    Know what this cards is best for

     

    Terms and Conditions

    Read Full Review

    UOB PRVI Card

    NIL

    UOB PRVI Card

    • Earn 1.4 miles per dollar for local spending
    • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
      • 3 miles per dollar on selected currencies:
        • Malaysian Ringgit
        • Indonesian Rupiah
        • Thai Baht
        • Vietnamese Dong
      • 2.4 miles per dollar on other currencies
    • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
    • One-way Airport Transfer Service for AMEX Version only
    • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

     

    Annual Fee
    • S$261.60, first year waived
     
    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)
     
    Points Expiry
    • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    UOB Krisflyer Card

    NIL

    UOB Krisflyer Card

    • Earn uncapped 3 miles per dollar on SIA-related spend—Singapore Airlines, Scoot, KrisShop, and Kris+ purchases 
    • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
    • Earn 1.2 miles per dollar on all other purchases

     

    Annual Fee
    • S$194.40 (incl. GST), waived for first year

     

    Income Requirement
    • S$30,000 (locals/PRs); S$40,000 (foreigners)

     

    Know what this card is best for

     

    Terms and Conditions

    Read Full Review

    Mari Credit Card

    • Get up to 10% Welcome Cashback when you spend S$300 on Eligible Transactions within 30 days of card approval
    • You must be among the first 500,000 New Mari Credit Card Holders
    • Must be a new-to-bank customer
    • Valid until 31 December 2025
    • For more information on the promotion, please refer to: https://www.maribank.sg/promo

    Note: Shopee purchases via Mari Credit Card Instant Checkout is not eligible for the reward

    Mari Credit Card

    • Earn 3% Unlimited Shopee Coins with Mari Credit Card Instant Checkout (until 31 December 2025 only)
    • Earn 1.7% Unlimited Cashback on eligible card spend
    • No minimum monthly spend requirement and no maximum cashback cap

     

    Annual Fee
    • None

     

    Income Requirement
    • S$30,000 (Singaporeans or PR)

     

    When is Cashback Credited
    • It will automatically offset against the billed amount in the upcoming Card Account Statement cycle

     

    1.7% Cashback Terms and Conditions

    3% Shopee Coins

    3% Overseas Spend

    Read Full Review