Citi Cash Back+ Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| All eligible spend | 1.6% | Unlimited 1.6% cash back all year round on eligible purchases, with no minimum spend requirement. |
| Citi Plus bonus (conditional) | +0.4% | Citi Plus customers who are primary account holders of a Citi Interest Booster account earn an extra 0.4% on spend above S$500/month, capped at S$2,000 of eligible spend (max S$8/month bonus). |
Reward currency: Cash back (statement credit). Source: Citibank Singapore official page (reviewed 22 September 2026).
Citi Cash Back+ Card: pros & cons
Pros
- No minimum spend, no cap, no category tracking
- 1.6% beats most cards’ below-threshold base rates
- Cash back credits to the statement automatically
Cons
- 1.6% ceiling is well under category cards’ 5–8% bonus tiers
- The +0.4% bonus requires a Citi Interest Booster account — most cardholders will never earn it
Who the Citi Cash Back+ Card is good for
- Minimal-effort earners
- Anyone who misses minimum spends on category cards
- Supplementing a category card on non-bonus spend
Frequently Asked Questions
Is Citi Cash Back+ cash back really unlimited?
Yes — the 1.6% cash back has no cap and no minimum spend. Only the conditional 0.4% Citi Plus bonus is capped (at S$2,000 of eligible spend per month).
How does Citi Cash Back+ compare to Citi SMRT Card?
Cash Back+ earns a flat 1.6% on everything with zero friction. SMRT Card earns up to 5% on transit, groceries and drug stores after S$500/month minimum spend, but only 0.3% below threshold and rewards come as SMRT$. Heavy category spenders earn more with SMRT; everyone else earns more with Cash Back+.
When is cash back credited?
Cash back is credited to the card account automatically — no manual redemption needed.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and Citibank Singapore before applying.