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Get unlimited cash back^ with the Citi Cash Back Plus Card
Earn cashback on everyday spending with no minimum spend and no cashback cap.
Enjoy a welcome gift of 8% cashback*.
EARN UNLIMITED CASH BACK
Make Every Spend More Rewarding With Citi Cash Back Plus Card
Use your card for everyday payments and enjoy a simple cash back experience that works
across your spend, without making you plan around monthly thresholds.
1.6% cash back
Earn 1.6% cash back^on
your spend all year
round.
No Minimum Spend or Cap
Earn unlimited cash back with no minimum spend requirement.
Instant Redemption
Enjoy the convenience of
redeeming your
cash back for cash rebate
via Citi Mobile® App and
SMS. Click here to find
out more.
Bonus Cash Back
Earn 0.4% Bonus
Cash Back1 on your spend if you are a Citi Plus customer and the Primary Account Holder of a Citi Interest Booster Account.
Lifestyle Rewards & Experiences
Elevate your lifestyle with Citi World Privileges and enjoy benefits across dining, shopping, and travel with your Citi Credit Cards.
Home Essentials Deals
Find home, furnishings, and art offers that help you get more value when improving your living space.
Citi Gourmet Pleasures
From casual bites to exclusive dining, unlock delectable deals that make every occasion a treat to savour.
Shop Smart with Citi
From home essentials, groceries to beauty and fashion finds, explore a wide range of online and in-store shopping deals.
Features At A Glance
Use your Citi Cash Back Plus Card for more than cash back, with privileges and payment features that can support everyday savings, instalments and quick access to funds when needed.
Citi World Privileges
Get deals and discounts locally with
Citi Cash Back Card.
Citi FlexiBill
Convert your credit card
statement retail balance
into instalments.
Citi PayLite
Turn your purchases into affordable
instalments with Citi PayLite.
A fee may be applicable.
Citi Quick Cash
Convert your Citi Credit Card / Citibank Ready Credit
available credit limit into cash,
payable in monthly instalments.
PAY IN INSTALMENTS
How can Citi PayLite® Bundle help you manage larger purchases?
Exclusive for Citi Cash Back Plus Mastercard Cardmembers,
Citi PayLite Bundle allows you to convert your first three eligible retail transactions of minimum S$500 each at No Processing Fee
in every Bundle Period to 3 Citi PayLite instalment loans**. Plus, you can continue to earn unlimited 1.6% cash back with no cap.
How to apply for Citi PayLite Bundle?
Auto Conversion
Up to 3 eligible retail transactions (min. of S$500 each) will be automatically converted into 3-month instalment payments for every Bundle Period**.
No Processing Fee
No processing fees for 3-month Citi PayLite instalment loans converted under Citi PayLite Bundle**.
Continue to earn Cash Back
Continue to earn 1.6% cash back on your eligible retail transaction on your Citi Cash Back+ Mastercard, where applicable***.
Refer a friend &
get S$150
Refer your friends to sign up for a Citi Credit Card.
Get S$150 for each successful referral~ and your friend gets to enjoy a welcome offer tailored to their chosen card.
Citi Credit Cardmember Exclusive when you join Citigold®
Unlock elevated offers, premium benefits and personalised privileges - all designed to reward your continued relationship with Citi.
 | Attractive Welcome Rewards |
Receive exclusive welcome rewards when you join Citigold.
 | Limited-Time Offers |
Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.
How Can The Citi Mobile® App Help You Manage Your Card?
Use the Citi Mobile® App to stay closer to your card activity, control key settings, and track your cash back from one convenient place.
Everything at a glance
View your card details, rewards and account information in one place.
Activate a new card
Activate your Citi Cash Back Plus Card quickly through the app.
Secure your transaction
Authorise transactions securely with Citi Mobile® Token.
Lock and unlock your card
Control your card access anytime.
Powerful features on demand
Access useful card services whenever you need them.
Track your cash back
Monitor your cash back and eligible spends directly from the app.
Check Your Eligibility
Find out if you qualify for the Citi Cash Back Plus Card
Ready to start earning Cash back?
Enjoy a quick and easy application process with Singpass.
10-minute application
Instant verification
Secure online process
Fees
Basic fee of S$196.20 inclusive
of 9% GST
Income
Min. income per year
S$30,000 (SG/PR) or
S$42,000 (foreigner)
Age
Age 21 or older
Welcome Bonus
S$ 320
Cash Back*
Start earning from your very first spend
Unlimited 1.6% Cash Back^
How to Qualify
Spend up to S$4,000 (8% cash back) in first 2 months
Apply effortlessly with 
Simply log in with your Singpass and authorise the retrieval of your details from Myinfo.
Your application form is pre-filled and supporting documents waived if eligible.
If you do not have Singpass, you will need the following documents:
Documents for Singaporean/PR
If you are a Salaried Employee
- A copy of your NRIC/passport.
- Latest computerized pay slip or Income Tax Notice of Assessment.
If you are a Self Employed
- A copy of your NRIC/passport.
- Last 2 years' Income Tax Notice of Assessment.
Documents for Foreigner
- A copy of your passport and work permit (with minimum 6 months validity).
- A copy of utility/residential telephone/home broadband internet bill (excluding mobile phone bill) or bank statement with your name and address.
- Income Tax Notice of Assessment and latest computerized pay slip.
FAQs About The Citi Cash Back Plus Card
Get quick answers on the important terms, features, and cash back conditions linked to your Citi Cash Back Plus Card.
The Citi Cash Back Plus Card is ideal for all your everyday retail purchases. It is designed for cardholders who prefer a simple, hassle-free way to earn cash back on every transaction, without the need to track specific spending categories or navigate complex reward rules.
You can earn 1.6% cash back on eligible purchases all year round, with no minimum spend requirement and no cap on cash back earned.
You can redeem your cash back for cash rebate via Citi Mobile® App and SMS. Click here to find out more.
The cash back you accumulate on eligible purchases have no expiry date.
Citi Plus customers who are the Primary Account Holder of a Citi Interest Booster Account can earn 0.4% bonus cash back on eligible spend. The Bonus Cash Back is earned based on the amount of eligible retail purchases in a calendar month with minimum S$500 eligible retail spend, capped at S$2,000 eligible retail spend.
Terms and Conditions
- By responding to any advertisement relating to the Citi Cash Back+ Card and providing your personal data, you consent to Citibank contacting you in respect of the Citi Cash Back+ Card including via the telephone.
- *Welcome offer eligible for new Citi Cardmembers only with a minimum qualifying spend of S$800 in the first 2 months, capped at S$4,000 qualifying spend. Promotion valid till 31 March 2027. Click here to view the Citi Cash Back+ Card 8% Cash Back Welcome Gift Promotion Terms and Conditions.
- ^Click here for the list of merchants and/or Merchant Category Codes (“MCC”) which will not earn Cash Back
- Click here to view the Citi Cash Back+ Cardmember's Agreement.
- Click here to view the Information Sheet.
- Click here to view the ABS Credit Card Guide.
- Click here for the Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution.
- **Click here for Citi PayLite/Citi PayLite Bundle/Citi FlexiBill Terms and Conditions.
- ***The earning of Cash Back on any transaction is subject to the terms of the relevant Citibank Credit Cardmember’s Agreement. Please note that no additional Cash Back will be earned under Citi PayLite Bundle.
- 1You will earn the 0.4% Bonus Cash Back only if you are a Citi Cash Back+ Mastercard© holder. Citi Cash Back+ Visa cardholders may apply for Citi Cash Back+ Mastercard©. The Bonus Cash Back refers to the Bonus Cash Back of 0.4% earned based on the amount of eligible retail purchases in a calendar month with minimum S$500 eligible retail spend, capped at S$2,000 eligible retail spend (i.e. maximum monthly Bonus Cash Back is S$8). Click here to view the Citi Cash Back+ Mastercard Bonus Cash Back Promotion Terms and Conditions. Click here to view the Citi Cash Back+ Mastercard© Bonus Cash Back Frequently Asked Questions.
- #Instant disbursement is available only for Citibank Deposit Accounts displayed during the funds disbursement option.
- ~Click here for Citibank Credit Card Online Member-Get-Member Promotion Terms and Conditions.
- The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
 | Unlimited 1.6% Cash Back^ - no min. spend, no cap |
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