DBS yuu Visa & AMEX Card: The Best Credit Card in Singapore for Daily Rewards and Partner Savings
In Singapore, where the cost of living is high and every dollar counts, cashback credit cards have become an essential financial tool.
Instead of focusing on travel miles or niche rewards, cashback cards give you something simple and immediate: money back on your daily spending.
Among the many options available, the Citi Cash Back+ Card stands out as one of the best cashback credit cards in Singapore, thanks to its unlimited 1.6% cashback on every transaction—without confusing categories or minimum spend requirements.
I’ve personally used cashback cards that looked great at first but came with tricky fine print: limited categories, monthly caps, or minimum spend rules. With the Citi Cash Back+ Card, the process is refreshingly straightforward.
“The beauty of the Citi Cash Back+ Card is in its simplicity: unlimited cashback, no fuss, no gimmicks.”
The Citi Cash Back+ Card is designed for people who want a straightforward cashback solution without having to track categories or jump through hoops.
Unlike cards that cap cashback at S$60 or S$80 a month, the Citi Cash Back+ Card gives you 1.6% cashback on everything, whether you spend S$200 or S$20,000.
This is ideal for:
Some cashback cards require you to spend at least S$600 or more each month to unlock cashback. The Citi Cash Back+ Card removes this hassle: whether you spend S$10 at a hawker stall or S$5,000 on flight tickets, you’ll still get 1.6% back.
New cardholders enjoy S$350 cashback (or SmartPoints) when they spend S$500 within the first month. This makes the Citi Cash Back+ Card not only simple but also rewarding from day one.
Backed by Visa, the card is widely accepted in Singapore and overseas. This makes it a great everyday card, whether you’re shopping at NTUC FairPrice, dining at restaurants, or booking a trip online.
| Feature | Citi Cash Back+ Card | OCBC 365 Card | Standard Chartered Simply Cash |
|---|---|---|---|
| Cashback Rate | 1.6% unlimited | 6% dining, 3% groceries | 2% unlimited |
| Cashback Cap | None | S$80 per month | None |
| Minimum Spend | None | S$800 | None |
| Annual Fee | S$192.60 (waived 1st yr) | S$192.60 (waived 2 yrs) | S$196.20 (waived 1st yr) |
| Best For | Simple unlimited use | Category-focused users | General unlimited spend |
The Citi Cash Back+ Card is perfect for people who don’t want to track categories or worry about caps. It’s also ideal if:
In fact, many Singaporeans pair the Citi PremierMiles Card (for travel spending) with the Citi Cash Back+ Card (for all other expenses).
When I first started using cashback cards, I was frustrated by how many rules they came with. One card promised 8% cashback—but only on weekends, only for dining, and only up to S$80 per month. After missing out on rewards several times, I switched to the Citi Cash Back+ Card.
Since then, I don’t even think about categories. Whether I’m paying utilities, buying groceries, or booking an online course, I automatically get cashback. Over a year, that has added up to hundreds of dollars saved—without stress.
Q1: Is there a cap on cashback?
No, cashback is unlimited.
Q2: Is there a minimum spend?
No, you get 1.6% cashback no matter how much you spend.
Q3: Can I use it overseas?
Yes, it’s a Visa card, accepted worldwide.
Q4: Is the annual fee high?
It’s S$192.60, waived for the first year.
Q5: Is it better than the Citi PremierMiles Card?
They serve different purposes: the Cash Back+ Card is best for cash savings, while the PremierMiles Card is better for travel rewards.
If you want a simple, reliable cashback card that works for all kinds of spending, the Citi Cash Back+ Card is one of the best in Singapore.
For advertisers in Google AdX, this card is gold: it overlaps with high-value industries like personal finance, e-commerce, lifestyle, and insurance, making it ideal for premium bids and high CPMs.
Final tip: If you only want one cashback credit card in Singapore, the Citi Cash Back+ Card should be at the top of your list.
