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Citi Rewards Card Review: Earn 10X Rewards Without Any Minimum Spend

SingSaver team

SingSaver team

Last updated 18 April, 2023

The Citi Rewards Card lets you rack up rewards points effortlessly if you spend on select categories. Learn more about what this rewards card has to offer.

Out of all the best Citibank Credit Cards, the Citi Rewards Card could just be the card you need to add to your arsenal pronto if you’re looking to milk the most out of each dollar you spend on shopping, groceries, food deliveries and ride-hailing services. As a matter of fact, it takes no time to rack up those precious rewards points.

What the Citi Rewards credit card can do for you

Citi Rewards Card product summary: 

  • Earn 10X Citi ThankYou Points on shopping, online shopping, online food delivery, online groceries, Grab, Gojek rides
  • No minimum spend required to start earning Citi ThankYou Points 
  • Redeem Citi ThankYou Points for travel, frequent flyer miles, merchandise and more 
  • Income requirement: $30,000 (Singaporeans/PR), $42,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: $194.40 
Pros Cons
10X rewards (4 mpd) on shopping, online shopping, online food delivery, online groceries, Grab and Gojek rides 10X rewards do not apply to mobile wallet and travel-related transactions 
Unlimited 1X rewards (0.4 mpd) on all other retail spend Rewards points have a 60-month validity period
Flexible rewards redemption options Service fee applies to Citi PayAll facility
Up to $1 million travel insurance coverage when you charge your travel tickets to this card  
Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll  

Why should you choose the Citi Rewards credit card?


#1 Earn 10X rewards on shopping and online shopping

Shopaholics will adore the Citi Rewards Card. This rewarding credit card lets you earn 10X rewards (4 mpd) on online and shopping purchases worldwide at any department store, retail store, or shopping website that sells clothes, shoes and bags as its main business activity. This applies so long as they fall under the following MCC: 

Important note: Mobile wallet and travel-related transactions are excluded from earning 10X rewards.

#2 Earn 10X rewards on online food delivery, online groceries, Grab and Gojek rides

Citi Rewards Card is also a great option for those who frequently spend on food deliveries, online groceries and ride-hailing services with Grab, Gojek and more. There’s no minimum spend required in order to start earning rewards at an expedited rate! 

Thanks to the 10X rewards (4mpd) you can earn with each dollar you spend on your rides, food delivery orders and online grocery purchases, you can chalk up rewards points in no time conveniently with just one credit card. 

Keep in mind the 10X rewards are capped at 10,000 ThankYou points per statement month. Cardmembers will continue to earn 1X rewards for every $1 spent on these categories as well as other retail transactions after they’ve reached the cap. 

#3 Use your rewards points in a myriad of ways

From travel and frequent flyer miles to merchandise and more, you exchange your Citi ThankYou Points for the things that matter most to you via the Citi ThankYou Rewards programme. That’s not all, you can also utilise your points to pay for any purchase charged to your card with Citi Pay with Points.

#4 Complimentary travel insurance

Even though Citi Rewards Card doesn’t let you earn 10X rewards on your travel purchases, it lets you enjoy up to $1 million travel insurance coverage when you charge your travel tickets to the card all at no extra cost to you. Coverage is also provided for your spouse (who needs to also be a Citi Card member) and dependent children. 

The best part? Travel inconveniences like baggage loss, baggage delay, flight delay, trip cancellation and trip interruption are covered too, though they are only applicable for the main cardmember. 

Tip: Activate your travel insurance prior to travel to enjoy the free travel insurance feature!


For whom is the Citi Rewards Card best suited for?

Citi Rewards Card is a workhorse for people who have an undying love shopping for clothes, bags and shoes as well as those who shop a lot at department stores. This rewards credit card is also ideal for those who have a tendency to buy their groceries online, have food delivered right to their doorstep, as well as those who utilise ride-hailing services from Grab and Gojek regularly.  

What charges or fees should you look out for?

  • Annual fee: $194.40 (first year waived) 
  • Late payment charge: $100 
  • Minimum monthly payment: 1% of current balance or $50, whichever is higher, plus any overdue amounts 
  • Overlimit fee: $40 if the total outstanding card balance exceeds the total credit limit at any time
  • Interest on purchases: 26.9% per annum subjected to compounding if full payment is not made by payment due date
  • Interest on cash advance: 26.9% per annum compounded daily on the amount withdrawn from the transaction date until the date that full payment is made

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore citizens and PRs: $30,000 
  • Minimum annual income for foreigners: $42,000

How to apply?

Click on the ‘Apply Now’ button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees: Past 12 months CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment and latest original computerised payslip
  • Self-employed: Latest Income Tax Notice of Assessment and latest original computerised payslip


Read these next:
Best Rewards Credit Cards In Singapore
Credit Card Comparison: Citi Rewards vs OCBC Titanium vs HSBC Revolution
Most Popular Credit Cards In Singapore
Top Credit Card Promotions And Deals On SingSaver
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?

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