How Citi Credit Cards Make A Loyal Customer Out Of You

Denise Bay
Last updated Oct 29, 2021

Citi Credit Cards lead the way in getting you ahead in life —  maximising rewards is just part of the equation.   

Regardless of whether you are an existing or potential new Citi Cardmember, Citi Credit Cards are specially designed for the modern-day lifestyle. Beyond well-loved benefits like 8% cash back^ and 10X rewards+, Citi Cardmembers can expect an enhanced overall experience thanks to the bank’s exciting releases of innovative features. 

Citi Credit Cards lead the pack when it comes to letting you take control of your life the way you like it, confidently. Here are the reasons why Citi Credit Cards lead as mainstays in your physical and digital wallet. 

Unbeatable Citi Credit Card perks that keep you coming back 

#1 One of the leading cash back on your lifestyle priorities 

Want a cash back credit card that offers significant rewards on your day-to-day expenses? Look no further. The Citi Cash Back Card is the market leader with up to 8% cash back^ on groceries and petrol, and a cool 6% cash back^ on dining — locally and globally. You may consider the up to 20.88%^ savings you can get on Shell and Esso petrol yours, too. Even if you have a different Citi Credit Card, all other Citi Credit Cards let you enjoy up to 14% petrol savings. 

Prefer a more straightforward Citi Credit Card? Zoom in on the Citi Cash Back+ Card to bump up your savings all around when you shop, buy gifts, stock up on health supplements and grooming products, pay for Netflix subscription and more. This no-frills credit card lets you earn a flat-rate 1.6% cash back on you spend#. There’s no limit to how much expiry-free cash back you can earn. 

#2 Unparalleled convenience 

Citi sure lets you live the way you like it. You can perform a myriad of transactions and access innovative features easily on your smartphone via the Citi Mobile® App, such as activating your digital card instantly or you can also easily offset your purchases using your accumulated Points/Miles via Pay with Points. You can access an amazing range of deals via Citi World Privileges, too. 

Nothing beats immediate convenience. Upon approval, you can activate and start using your digital card to earn rewards from Day 1 — there’s no need to wait for your physical card to arrive. This feature is also applicable to replacement cards or supplementary cards. 

Having your go-to Citi Credit Card in your physical and digital wallet saves you from the paradox of choice; there’s no need to rack your brain on which card to use when making payments! Plus, it’s a whole lot easier to track your expenses, bills and rewards: you can view everything in one glance on the Citi Mobile® App. 

#3 Aspirational lifestyle privileges 

Citi is always breaking out new, aspirational lifestyle privileges under the Citi World Privileges programme that let you get ahead while making you feel extra special. 

Aside from letting you feel like you’re part of an exclusive club, the dining, shopping, travel and lifestyle deals to be had locally and in 95 countries worldwide are extraordinary, to say the least. 

Just to highlight some, Citi Cardmembers can enjoy one-for-one thematic afternoon tea at Raffles Hotel’s The Grand Lobby; up to 40% off at Lawry’s The Prime Rib; 22% off + 10% cash back at ZALORA (existing ZALORA Citi Cardmembers); 15% savings on best available rate at Pan Pacific Singapore; exclusive Lazada, RedMart, Shopee, Taobao, Ezbuy, Qoo10, Deliveroo, WhyQ, Foodpanda and GrabFood offers and more. New offers are added frequently on Citi World Privileges, too. Click here for details.

Additionally, Citi is partnering with the Museum of Ice Cream until December. All Citi Cardmembers will have special discounts and priority when they visit this latest attraction. Find out more here.

#4 Great tangible benefits for Citi Credit Cardmembers 

Did you know you can chalk up expiry-free credit card rewards with the Citi PremierMiles Card, Citi Cash Back Card, Citi Cash Back+ Card and Citi Prestige Card? 

Shopaholics and folks who frequently transact online will adore the Citi Rewards Card that offers 10X rewards+ (i.e. four miles per dollar) on all eligible purchases — your rewards balance will soar quicker than ever with this Citi Credit Card. 

You can even earn Citi ThankYou Points, Citi Miles, or cash back effortlessly when you pay your rent, insurance premiums, school fees, taxes, utilities and more with your Citi Credit Card. Simply tap on Citi PayAll in the Citi Mobile® App! 

Additionally, Citi PremierMiles and Citi Prestige Cardmembers can enjoy substantial renewal bonus miles that never expire each time they renew their Citi Credit Card memberships. 


SingSaver Exclusive Offer: Receive an ErgoTune Supreme V3 (worth S$850) or an Apple iPad 9th Gen (worth S$499) or the latest Apple Watch SE 2nd Gen (worth S$379) or S$350 Cash when you make a min. spend of S$500 within 30 days of card approval. Valid till 2 October 2022. T&Cs apply.

Pick your Citibank card here!

How do Citi Credit Card users feel about being in the Citi circle? 

What is that one defining feature that convinced users to sign up or stay as an existing Citi Credit Cardmember? Well, this varies from person to person. Here’s what we’ve gathered. 

Michelle Cheng, 29, Musician  

As a Citi Credit Card user for the last two years, I like how easy it is for me to chalk up unlimited expiry-free Citi Miles using Citi PremierMiles Card and how I can effortlessly earn 10X rewards+​​ in the form of Citi ThankYou Points on my Citi Rewards Card. 

Also, I really enjoy Citi Mobile® App’s splendid user experience and user interface design. It is incredibly intuitive, smooth and user friendly. I like how I can easily check my balances, transactions and rewards all in one place, too. 

Amanda Koh, 28, Graphic Designer 

I’ve had the Citi Rewards Card for close to two years, mainly for the 10X rewards+ I get when shopping online. The Citi Mobile® App interface is really intuitive, giving a great overview of the cards and your points, with the Citi Mobile Token on the main page being super useful. 

On a side note, Citi called me to ask if I’d like a new card. They offered the Citi Cash Back+ Card with a S$30 cash back upon my first transaction, so there was no reason to say no, plus the sign-up was literally just clicking two buttons — I think this was great, unexpected service!

Logan A., 32, Editor

It’s the genero-citi of it. When I was comparing unlimited cash back cards for a big-ticket buy, I went for the Citi Cash Back+ Card because of its high cash back rate (1.6%). Topping it off was a promotional 4.5% in the first three months. That’s even higher than what a certain other bank is offering with its unlimited cash back credit card. 

It’s likely I’ll continue having Citi in my wallet when my first year is up. I get flexibility in controlling how much cash back I want cashed in for any month (other cards auto roll it to the following month to offset the bill), and there’s a generous array of fine dining deals I’ve yet to sink my teeth into.

Tan Ma Jon, 25, Lifestyle Writer  

The cool yet practical sign-up gift exclusive to new Citi Cardmembers was hands down the biggest reason why I got my very first Citi Credit Card. Thank you for the Apple Watch SE, Citi! 

John Lim, 26, Software Engineer 

One defining feature that has stood out for me (over the past two to three years) would be the number of ways I can redeem my Citi ThankYou Points and Citi Miles.

It’s not just the usual Asia Miles/KrisFlyer combo of points transfer loyalty programmes that most banks have; Citi has many ​​other frequent flyer programmes and hotel loyalty programmes available, too. I can also redeem for Pay with Points, dining or shopping vouchers and the latest Apple products! This gives me a lot of flexibility to choose what I want to use my available Citi ThankYou Points and Citi Miles for. 

Generous Citi referral programme  

Citi’s member-get-member referral programme is second to none. Already a loyal Citi Credit Cardmember? You can receive S$120 for each successful referral and up to S$1,200 bonus cash when you refer your friends and family who don’t already have a Citi Card.

Fret not if you don’t already hold a Citi Credit Card. Take your time to pick the right Citi Credit Card for your lifestyle and needs. Thereafter, join in the referral fun!


This article is written in partnership with Citi.

Terms & Conditions

^Citi Cash Back Card
Terms and Conditions apply.

#Citi Cash Back+ Card
Terms and Conditions apply.

+Citi Rewards Card
Terms and Conditions apply.

Use of Featured testimonies’ is to showcase their perspectives, opinions and experiences of using Citi’s products and Citi does not endorse any views, perspectives, opinions and experiences mentioned in the Sponsored Article. All views, perspectives, opinions and stories included in the Sponsored Article are made from personal perspective, experience and opinions of the Featured testimonies. These views and opinions do not reflect the views and opinions of Citi. All necessary and relevant consents to share the details and testimonies have been obtained.


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By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.


Denise Bay October 29, 2021 79385