Credit Card Compare

Citi Cash Back+ Card

Data last updated 7 October 2026
27.90%
Purchase rate
S$196.20
Annual fee
25 days
Interest-free
Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Cashback88
  • Rewards13

Customer reviews

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Pros & cons

What's good

  • Earns cashback on eligible spending.
  • Up to 25 interest-free days on purchases, longer than most cards.

Worth noting

  • Includes 9% GST. Citi lists a first-year waiver for new applicants. The S$196 annual fee is still toward the top of the market (the median is S$0).
  • The 27.9% p.a. purchase rate sits in the most expensive quarter of cards (the median is 27.8% p.a.) if you carry a balance.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Not published
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
27.90% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
Greater of (a) 1% of the current balance plus 1% of unbilled instalments, all interest, instalment fees and late payment charges, or (b) S$50; plus any overdue amounts; a balance under S$50 is due in full

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Ongoing cashback
1.6% on eligible spend
Sign-up cashback
S$320
Spend required
S$4,000 in 2 months

No minimum spend and no cap. Citi Plus customers with a Citi Interest Booster Account earn a 0.4% bonus on the Mastercard with S$500 to S$2,000 of eligible spend a calendar month (at most S$8 a month).

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days25 daysTied for best (1st of 8 cards)
Overseas fee3.25%Top 25% (2nd of 10 cards)
Annual feeS$196 a yearTop 25% (3rd of 10 cards)
Purchase rate27.90%Not as good as most cards (7th of 10 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Citi