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 Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 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 Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 31, 2025

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap™ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 31, 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 S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

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 Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
  • Valid from 10 July to 31 July 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

 

DBS Altitude Card

Miles:
  • Get 38,000 miles when you use the promo code: ALT38, pay the annual fee, and spend S$800 within 60 days from card approval date. 
  • Get 28,000 miles when you use the promo code: ALTW28, choose not to pay the annual fee, but must spend S$800 within 60 days from card approval
  • Valid until 31 August 2025
  • Read Terms and Conditions here
 
Physical Gifts:
  • Get one of these gifts when you apply with the promo code and spend S$500 within 30 days from card approval:
Gift
Promo Code
ErgoTune Vesby (worth S$899)
SSJUL1
Sony PlayStation® 5 Digital Slim (worth S$669)
SSJUL2
Dyson Digital Slim Submarine™ (worth S$699)
SSJUL3
Apple iPad 11″ (A16) Wi-Fi 256GB (worth S$649)
SSJUL4
S$500 eCapitaVoucher
SSJUL5

DBS Altitude Card

  • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
  • This comes with two complimentary lounge passes per 12-month membership period

 

Annual Fee
  • S$196.20 (inclusive of GST), first year waived

 

Income Requirement
  • S$30,000 (locals/PRs); S$45,000 (foreigners)

 

Points Expiry
  • No expiry

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

DBS Woman’s World Card

This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

DBS Altitude Card

Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

2 Priority Pass visits per membership year (Visa version only)

DBS Woman’s World Card

  • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,500 spending per calendar month
  • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
  • No minimum monthly spending required
  • Best used for online or in-app spend (e.g Kris+) locally

 

Annual Fee
  • S$196.20, (First year waived)

 

Income Requirement
  • S$80,000/year (The income requirement is arbitrary – I was approved for the card even though I didn’t meet that income threshold.)

 

Points Expiry
  • 1 year from transaction (therefore you need to be able to earn miles fast or have multiple DBS points earning credit cards). Minimum redemption is 5,000 points (10,000 miles), leaving smaller amounts unusable (you can redeem mall vouchers, if you really need to.)

 

Transfer Partners
  • KrisFlyer, Asia Miles, Qantas Frequent Flyer

 

Know what this card is best for:

 

Terms and Conditions

Read Full Review

uob ppv cardface

UOB Preferred Platinum Visa

NIL

uob ppv cardface

UOB Preferred Platinum Visa Card

    • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
    • Earn 0.4 miles per dollar on other spendings
    • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
      • Apple Pay
      • Google Pay
      • Samsung Pay (excluding MST)

     
    Annual Fee
    • S$196.20, first year waived

     

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

     

    Points Expiry
    • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

     

    Terms and Conditions

    Read Full Review