{"id":94474,"date":"2026-11-03T17:44:28","date_gmt":"2026-11-03T09:44:28","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=94474"},"modified":"2026-11-03T17:45:33","modified_gmt":"2026-11-03T09:45:33","slug":"citi-cashback-card-singapore","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/citi-cashback-card-singapore\/","title":{"rendered":"Citi Cashback Card Singapore (2026): Cash Back vs Cash Back+"},"content":{"rendered":"\n

Two cards share the name “Citi cashback card”, and they pay out in completely different ways<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n

Search “Citi cashback card”, and Citibank shows you two different products: the Cash Back Card and the Cash Back+ Card. One pays up to 8% but only above a monthly minimum. The other pays a flat 1.6% on everything, no minimum, no cap. Pick the wrong one for your spending pattern, and you’ll end up earning less than you expected.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u26a1\ufe0f Citi Cash Back vs Cash Back+ at a Glance<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
Feature<\/strong><\/th>Citi Cash Back Card<\/strong><\/th>Citi Cash Back+ Card<\/strong><\/th><\/tr><\/thead>
Rate<\/strong><\/td>8% petrol & private commute, 6% dining & groceries<\/td>Flat 1.6% on all eligible spend<\/td><\/tr>
Minimum spend<\/strong><\/td>S$800 a statement month for the bonus rate<\/td>None<\/td><\/tr>
Monthly cap<\/strong><\/td>S$80 combined<\/td>None<\/td><\/tr>
Annual fee<\/strong><\/td>S$196.20 (incl. 9% GST), waived year 1<\/td>S$196.20 (incl. 9% GST), waived year 1<\/td><\/tr>
Best for<\/strong><\/td>Big, predictable monthly spend in those 4 categories<\/td>Everyone else, or anyone who wants zero admin<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n

\ud83d\udcda Table of Contents<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
    \n
  1. Citi Cashback Card: Which One Do You Mean?<\/strong><\/a><\/li>\n\n\n\n
  2. Citi Cash Back Card: How the 8%, 6% and S$800 Minimum Work<\/strong><\/a><\/li>\n\n\n\n
  3. Citi Cash Back+ Card: Is 1.6% Flat Worth the Annual Fee?<\/strong><\/a><\/li>\n\n\n\n
  4. Does Citibank Charge an Annual Fee, and Can You Waive It?<\/strong><\/a><\/li>\n\n\n\n
  5. How Do You Redeem Citi Cashback?<\/strong><\/a><\/li>\n\n\n\n
  6. What Doesn’t Earn Cashback?<\/strong><\/a><\/li>\n\n\n\n
  7. Which Credit Card Gives 10% Cashback in Singapore?<\/strong><\/a><\/li>\n\n\n\n
  8. Cashback or Miles: Which Is Better?<\/strong><\/a><\/li>\n\n\n\n
  9. Using Citi Cashback Cards Overseas<\/strong><\/a><\/li>\n\n\n\n
  10. Is the Citi Cashback Card Worth It?<\/strong><\/a><\/li>\n\n\n\n
  11. FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
    <\/div>\n\n\n\n

    Citi Cashback Card: Which One Do You Mean?<\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n

    Two: the Cash Back Card and the Cash Back+ Card. Citibank Singapore sells both under almost the same name, which is exactly why people mix them up.<\/p>\n\n\n\n

    <\/div>\n\n\n\n