Personal Finance
Review: Citi Cash Back+ – Get $350 When You Apply For the Newest Unconditional Cashback Card On the Block
By Sethisfy  •  February 14, 2020

This came out of nowhere – Citi is entering the unconditional cashback card space with a 1.6% cashback card. “Unconditional” is a term I use to refer to cards that virtually have no requirements, earn on almost any transaction, and have no minimum spends nor maximum limits.

For people who simply do not wish to spend the time and effort (and my friends would know that I do, a lot) to micromanage their spending but still want some rewards, unconditional cards are fuss-free. This is what makes them attractive to some people, and of course, an eye-watering $350 PayNow reward does not hurt.

Features & Details ProviderCitibankTypeCashbackEarn Rate1.6%ConditionsPretty standard set of exclusions credit cards haveLimitsNo limitApplyClick hereHow does it fare on the Tier List? CashbackMilesWinnerA+10%8 mpdDrawA8%–CashbackA-5%4 mpdDrawB3%3 mpdMilesC2%2 mpdMilesD1.5%1.2 to 1.5 mpdMiles

(Based on cards before 12th Feb)

Unconditional cards are usually a last-resort thing, which is why

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By Sethisfy
As an adult, I’ve been through many ups and downs in my career path and personal finance journey, not unlike many Singaporeans. From my years as a tied insurance agent turned independent financial adviser, I realised that there are very few sources of proper, unbiased financial advice for working adults to access. Worse, self-styled “financial consultants” are selling products like savings plans and ILPs to the detriment of the clients whose interests they were supposed to serve.
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