Citi Rewards Card

Citi Rewards Credit Card is the perfect everyday card for you offering great reward points on most everyday spends coupled with a wide variety of ways to redeem those points be it offsetting your purchases with points, using your points as cash rebate or redeem it with Citi ThankYou Rewards programme. It is also the only credit card available that automatically rounds up points earned to the nearest 10 points for every purchase - with no cap.

Reward yourself with 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you'll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month.

If you are looking for a versatile card, look no further than the Citi Rewards Card - and you can even enjoy a generous sign-on bonus of 40,000 Citi ThankYou Points.

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Rewards Points Online Shopping

10 points per dollar

Rewards Points Retail

10 points per dollar

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On in-store shopping purchases only.

Rewards Points Online Food Delivery

10 points per dollar

Rewards Points Taxi Ride Sharing

10 points per dollar

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Ride-hailing

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Highlights

Rewards Points Online Shopping

10 points per dollar

Rewards Points Retail

10 points per dollar

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On in-store shopping purchases only.

Rewards Points Online Food Delivery

10 points per dollar

Rewards Points Taxi Ride Sharing

10 points per dollar

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Ride-hailing

2 Offers Available

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

SingSaver Lightning Deal

Sony PlayStation® 5 Slim Disc Edition (worth S$799)

Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
- Lightning Deal reward is not stackable with other physical reward from SingSaver
- Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Terms and Conditions apply

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

SingSaver Lightning Deal

Dyson Airwrap™ multi-styler and dryer (Complete) (worth S$859)

Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
- Lightning Deal reward is not stackable with other physical reward from SingSaver
- Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Terms and Conditions apply

SingSaver Lightning Deal

S$500 eCapitaVoucher

Promotion is valid for new Citibank credit card members only
Be one of the first 500 eligible applicants of participating Citibank credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward
- Lightning Deal reward is not stackable with other physical reward from SingSaver
- Remaining applicants will receive regular SingSaver promotional rewards
Lightning Deal promotion runs from 9 April 2024, 9:00 AM SGT to 2 May 2024
Terms and Conditions apply

Dyson Supersonic™ hair dryer (worth S$699)

Best Deal Guarantee

Dyson Supersonic™ hair dryer (worth S$699)

Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Promotion is valid until 2 May 2024
Terms and Conditions apply

Best Deal Guarantee

Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)

Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Promotion is valid until 2 May 2024
Terms and Conditions apply

Best Deal Guarantee

Dyson V8 Slim Fluffy (worth S$509)

Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Promotion is valid until 2 May 2024
Terms and Conditions apply

Best Deal Guarantee

S$400 eCapitaVoucher

Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Promotion is valid until 2 May 2024
Terms and Conditions apply

Best Deal Guarantee

S$300 cash via PayNow

Promotion is valid for new Citi credit cardmembers only
Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
Promotion is valid until 2 May 2024
Terms and Conditions apply

Things to consider when choosing this card:

Things to consider

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

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Benefits

Cashback

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Cashback Base Rate

0.23 %

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S$1 local spend = 1X point. 4,400X Points redeemed = S$10 cash credit. Equivalent to 0.23% cashback.

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Cashback Local

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback. On eligible spend only.

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Cashback Overseas

0.23 %

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S$1 local spend = 1 point on all other spend. 4400 points redeemed = S$10 cash credit. Equivalent to 0.23% cashback.

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Cashback Dining

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback. On food delivery services only.

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Cashback Retail

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback. On in-store shopping purchases only.

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Cashback Local Online Shopping

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback.

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Cashback Department Store

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback. On in-store shopping purchases only.

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Cashback Transport

2.27 %

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S$1 local spend = 10X Points. 4,400X Points redeemed = S$10 cash credit. Equivalent to 2.27% cashback. For ride-hailing services only.

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AirMiles

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Airmiles Base Rate

0.4 miles per dollar

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Airmiles Local

4 miles per dollar

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On eligible spend only.

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Airmiles Overseas

0.4 miles per dollar

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Airmiles Retail

4 miles per dollar

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On in-store shopping purchases only.

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Airmiles Dining

4 miles per dollar

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On food delivery services only.

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Airmiles Local Online Shopping

4 miles per dollar

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Airmiles Department Store

4 miles per dollar

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On in-store shopping purchases only.

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Airmiles Transport

4 miles per dollar

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On ride-sharing services only.

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Airmiles Bonus Cap

4,000 miles

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Bonus 4 mpd rate is capped at S$1,000 spend per month.

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Quick Facts

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10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.

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Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.

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Pair with amaze card to turn offline transactions into online transactions.

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10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.

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Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.

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1X reward point for every S$1 on all other spending.

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No min. spend required.

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Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.

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Rewards are rounded up to the nearest 10 points on all purchases.

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Read our full review of the Citi Rewards Card.

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10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.

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10X rewards excludes travel purchases online and non-fashion purchases offline.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

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Excluding GST

Repayment

Minimum Payment

1 %

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1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.9 %

Interest on Cash Advance

27.9 %

Interest Free Period

25 Days

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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

How do I get the Citi Rewards Card?

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To get the Citi Rewards Card, click on the "Apply Now" button on this page to begin your application process!

Next, follow these steps carefully to ensure eligibility for your sign-up reward:

1. Complete and submit the product application through SingSaver's website. Ensure that your last click before reaching the product application form was through a SingSaver channel (on the website or via an advertisement).

2. Submit the Rewards Redemption Form within 14 days of your credit card application.

3. Fulfill all other promotional requirements stated in each promotion's terms and conditions. Additional criteria include activating the approved credit card within 1 month from the approval date and making the first spend on the credit card within the same timeframe.

4. Meet any other qualifying criteria set for the specific promotional period. For example, spending a minimum sum within the qualifying period.

5. After meeting these conditions, SingSaver will send you an email notifying you of your eligibility for rewards. Remember to check your spam or junk folders to ensure you don't miss any communication from SingSaver.

What benefits does the Citi Rewards Card have?

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Besides its 10X Points (4 mpd) earn rate on in-store shopping and online purchases (e.g. grocery, food delivery, ride-hailing apps, etc.), there are loads of other benefits offered by the Citi Rewards Card:

Check back to our exclusive SingSaver sign-up promotions frequently for any gifts you might've been eyeing recently.
Redeem your Citi ThankYou Points for rewards via the Citi Mobile app.
- Rewards Dashboard > Points > Redemption Catalogue

How much are Citi ThankYou Points worth?

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There are 3 methods to redeem your Citi ThankYou Points, all of which can be accessed via the Citi Mobile app:

Pay with Points
- Rewards Dashboard > Points > Pay with Points
Cash Rebate
- Rewards Dashboard > Points > Cash Rebate
Citi ThankYou Rewards

Pay with Points

440 Citi ThankYou Points = S$1

Cash Rebate
Tap on rewards balance on the top fold of the screen to open the Rewards Dashboard. Next, tap on "Cash Rebate" to key in any preferred cash amount you wish to redeem.

Citi ThankYou Rewards
Shop & and redeem from a broad range of merchandise across many brands, gift vouchers, and more. Simply access the Redemption Catalogue via the Citi Mobile app to start shopping!

Is the Citi Rewards Card a good miles credit card?

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Overall, the Citi Rewards Card is a great miles card option for those looking to earn fuss-free miles at an accelerated 4 mpd rate.

As long as your purchase is an eligible online or in-person shopping transaction, you'll earn 4 mpd on your spend. Remember to verify the MCC eligibility in the card's T&Cs if you're unsure!

💡 Pro-tip: We also recommend linking the Citi Rewards Card to the Instarem amaze Card to earn additional rebate! The Instarem amaze Card automatically converts eligible offline expenses into online transactions, thus effectively allowing you to earn both Citi ThankYou Points and Instarem points concurrently on eligible spend!

This is especially useful for overseas travel since the Instarem amaze Card is a popular multi-currency card.

You can read more digital multi-currency comparisons in our article here.

Citi Rewards Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

AirMiles

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

Tags

Other similar credit cards to consider

Frequently Asked Questions

How do I get the Citi Rewards Card?

What benefits does the Citi Rewards Card have?

How much are Citi ThankYou Points worth?

Is the Citi Rewards Card a good miles credit card?