Best Citibank Credit Cards in Singapore 2023

Explore the benefits of Citibank credit cards in Singapore. Enjoy exclusive perks and rewards, flexible payment options, and 24/7 customer service. Apply now and experience the convenience of managing your finances with Citibank credit cards.

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Jump to: Compare and Find the Right Citibank Credit Card | Understanding Citibank ThankYou Rewards Points | Managing Your Citibank Credit Card | Frequently Asked Questions


Disclaimer: SingSaver assembles this 'best' list from cards listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before signing up for any financial product.


Compare and Find the Best Citibank Credit Cards

When choosing the best Citibank credit card in Singapore, it is important to consider your spending habits and financial goals.
Comparing the Best Citibank Credit Cards - Gifts

Rewards and Benefits

Start by evaluating the rewards and benefits offered by each card, such as cashback, miles, or discounts on certain purchases.

Comparing the Best Citibank Credit Cards - Fees

Associated Fees

Next, consider the annual fee, interest rate, and any additional fees associated with the card. Additionally, look into the card's foreign transaction fees if you plan to travel frequently.

Comparing the Best Citibank Credit Cards - Reviews

Compare Reviews

It’s helpful to compare the options available and read reviews from other cardholders before making a decision.

Ultimately, the right Citibank credit card for you will depend on your specific needs and how you plan to use it.

Best Citibank Credit Card Comparison

Product Benefits Spending Category Min. Annual Income Annual Fee Apply
Citi Rewards Card
Citi Rewards Card
10X Rewards on Spending Category
Online and shopping purchases, rides, online groceries and food delivery
Local/PR: S$30,000
Foreigner: S$42,000
S$194.40 (First Year Fee Waiver)
Citi Cash Back+ Card
Citi Cash Back+ Card
Unlimited 1.6% cashback with no spend requirements
 
Cashback earned does not expire
All categories
Local/PR: S$30,000
Foreigner: S$42,000
S$194.40 (First Year Fee Waiver)
Citi Cash Back Card
Citi Cash Back Card
Up to 8% cashback on Spending Category
 
0.25% cashback for all other spending
Dining, groceries, and petrol
Local/PR: S$30,000
Foreigner: S$42,000
S$194.40 (First Year Fee Waiver)
Citi PremierMiles Card
Citi PremierMiles Card
S$1 = 1.2 / 2 miles on local/overseas spend
 
2 free airport lounge visits per year
Local and overseas spending
Local/PR: S$30,000
Foreigner: S$42,000
S$194.40 (First Year Fee Waiver)

SingSaver Exclusive: Citibank Promotions in Singapore

Receive a Dyson Supersonic (worth S$649) or a Nintendo Switch OLED (worth S$549) or an Apple AirPods Pro 2nd Gen + MagSafe Charger bundle (worth S$421.90) or S$350 cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 14 February 2023. T&Cs apply.

 

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$756 worth of exciting gifts when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.

Citi Cash Back Card

The Citi Cash Back Card is a great choice for those looking to earn up to 8% bonus cashback on dining, groceries and petrol. If you're in need of a cashback credit card for household expenditure, have a look at this card!

What others are saying about this card?

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What others are saying about this card?

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Citi PremierMiles Card

The Citi PremierMiles Card is a good choice for frequent flyers looking to earn miles on both local and foreign currency spend. With this card, your miles never expire. Plus, you'll also enjoy 2 complimentary airport lounge visits every year!

What others are saying about this card?

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What others are saying about this card?

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Understanding Citibank ThankYou Rewards Points

How Do I Earn Citi ThankYou Rewards Points_

How Do I Earn Citi ThankYou Rewards and Miles Points?

To earn Citi Rewards and Miles points in Singapore, you can use a Citi credit card that is part of the Citi Rewards/Miles programme. You can earn points by making purchases with the card, and the number of points earned will depend on the type of card and the type of purchase.

Some Citibank credit cards in Singapore that allow you to earn Citi Rewards Points include the Citi Lazada Credit Card, the Citi Prestige Credit Card, and the Citi Rewards Card. You can only earn Citi Miles Points with the Citi PremierMiles Credit Card.

You can also earn Citi Rewards Points if you are enrolled to other Citi products and services, such as a Citibank checking account. Additionally, you can earn points by shopping at participating merchants or online retailers.

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Miles

Redeeming Citi - Miles

If you're a Citibank credit cardholder in Singapore, you can transfer your Citi Rewards Points or Citi Miles to your preferred frequent flyer account.

To transfer your Citi Rewards Points or Miles, log in to the Citi ThankYou Rewards website, and browse the Citi points transfer catalogue. Once you have selected your desired travel loyalty programme, you can select the number of Citi Rewards or Miles you want to transfer.

You may also redeem your Citi Rewards and Miles points for miles through the Citi mobile app.

Do note that 25,000 Rewards Points/10,000 Citi Miles = 10,000 Miles and an administrative fee of S$27 (inclusive of GST) will be charged for each points transfer.

Redeeming Citi ThankYou Rewards Points or Citi Miles Points for Cash Rebates

Redeeming Citi - Cash

As a Citibank credit cardholder in Singapore, you can redeem cash rebates through the Citibank online banking portal, mobile app or via SMS.

To redeem your cash rebates, log in to your Citibank online banking account or the Citibank mobile app and navigate to the rewards dashboard. Once there, you will be able to see your available points balance, and you can choose to redeem it as a statement credit to your Citi Card account.

If you wish to redeem your cashback rebate via SMS with Rewards Points, type “RWDS<space> Last 4 digits of your card number<space><CASH10 or CASH20 or CASH50>” as an SMS and send it to 72484.

To redeem your cashback rebate via SMS with Citi Miles, type “RWDS<space> Last 4 digits of your card number<space><PMCASH10 or PMCASH20 or PMCASH50>” as an SMS and send it to 72484.

You may also redeem your Citi Rewards Points and Citi Miles for cash rebates through the Citi mobile app.

Do note that 4,400 Reward Points/1,650 Citi Miles = S$10 cash rebate

Redeeming Citi ThankYou Rewards Points for Products or Vouchers

Redeeming Citi - Vouchers

To redeem Citi Rewards Points for products or vouchers, you will need to log in to the Citi ThankYou Rewards website or the Citi mobile app.

Once logged in, you will be able to view the available redemption options, which may include electronics, bags and luggages, and gift vouchers. Select the option you wish to redeem your points for and follow the prompts to complete the redemption process.

The number of points required for a specific redemption option may vary.

Managing Your Citibank Credit Card

Citibank Credit Card Interest Rates and Late Payment Charge

Citibank credit card interest rates in Singapore vary depending on the type of card and the individual's creditworthiness. However, in general, the interest rate for Citibank credit cards in Singapore is *26.9% per annum.

This rate may be subject to change, and it is important to check with Citibank for the most up-to-date information. Additionally, some Citibank credit card promotions may offer a lower interest rate for a limited time.

Do note that a S$100 late payment charge will be levied if the Minimum Payment Due is not received on or before the Payment Due Date.

*information obtained from Citibank Singapore

Learn About Citibank's 0% Instalment Plan for Credit Cards

Citibank in Singapore offers a 0% instalment plan for its credit cardholders, which allows them to make large purchases and pay for them over time without incurring interest charges. 

The plan typically allows customers to divide the cost of a purchase over a period of time of their choosing, usually 6, 12 or 24 months. This feature can be useful for making big-ticket purchases, such as electronics or furniture, more affordable. 

It's important to note that there might be some restrictions in the items that are eligible for 0% instalment plan and the customers should check with Citibank for the most current information and the terms and conditions that apply to the plan.

Replace

Replacing a Lost or Stolen Citibank Credit Card

If you need to replace a lost or stolen Citibank credit card in Singapore, you can do so by contacting the bank's customer service department. They will be able to cancel your current card and issue a new one. 

Depending on the type of card you have, you may also be able to request a replacement card through the Citibank online banking portal or mobile app. In some cases, the bank may require additional verification before issuing a replacement card. 

To ensure that you can continue using your credit card without interruption, it's important to report a lost or stolen card as soon as possible.

Fee Waiver

Get Immediate Assistance with the Citibank Credit Card Hotline

The Citibank Credit Card Hotline in Singapore is a customer service hotline that is dedicated to providing assistance to Citibank credit card holders in Singapore. 

The hotline is available 24 hours a day, 7 days a week, and can be reached by dialing the number +65 6225 5225. 

The customer service representatives on the hotline can assist with a wide range of issues related to Citibank credit cards, including account inquiries, balance transfers, and credit limit increases. 

They can also help with reporting lost or stolen credit cards, and providing information about Citibank's various credit card promotions and offers. 

Overall, the Citibank Credit Card Hotline in Singapore is a convenient way to get help with any issues related to your Citibank credit card.

Experience Convenience and Security with Citi Online Banking

Security

Citibank Singapore, a subsidiary of Citigroup, one of the largest financial services companies in the world, offers Online Banking services to all its customers.

With Citi Online Banking, customers in Singapore can access a wide range of banking services, including account management, fund transfers, bill payments, and investment services, all from the convenience of their computer or mobile device. 

The platform is designed to be secure and user-friendly, with features such as two-factor authentication and real-time notifications to help customers stay on top of their finances. 

Whether you're looking to manage your day-to-day banking or make bigger financial moves, Citi Online Banking is a convenient and reliable choice.

Complete Transfers and Payments Easily with Citibank PayNow

Security-1

Citibank PayNow is a feature available to Citibank customers in Singapore that allows them to make payments and transfer money to other individuals or businesses using their mobile number or Singapore NRIC/FIN number. This feature allows for transactions without the need for the recipient's bank account details. 

To use Citibank PayNow, customers need to link their mobile number or NRIC/FIN number to their Citibank account through the Citibank online banking portal or mobile app. Once linked, customers can make payments or transfer money to other PayNow registered users in real-time. 

Additionally, Citibank PayNow also allows customers to make recurring payments, such as bills, using this service. Citibank PayNow is a convenient and secure way to make transactions in Singapore.

Take Advantage of Credit Card Promotions with Citibank

Take Advantage of Credit Card Promotions with Citibank

Citibank credit card promotions in Singapore can vary depending on the time of year and the specific card.

Some common promotions include cashback offers, bonus miles, and cash vouchers.

For example, Citibank credit cardholders may be able to earn additional cashback on purchases made at certain retailers or receive discounts on hotel bookings. It is important to check with Citibank for the most current promotions available as they may change frequently.

Additionally, you can also check the Citibank's official website or the Citibank app for latest promotions.

Frequently Asked Questions

In Singapore, there are several ways to pay your Citibank credit card bill. These include:

FAST: You can pay your credit card bill instantly through other participating banks in Singapore via FAST (Fast And Secure Transfers). Other banks include DBS, POSB, UOB, OCBC and Standard Chartered.

Online Banking: You can pay your credit card bill through Citibank Online, which allows you to securely view your account details, pay bills, and transfer funds.

Citi Mobile: You can pay your credit card bill, complete fund transfers, check your account details and more via your mobile phone.

AXS: With AXS, you have the convenience and flexibility of paying your Citibank credit card bill anywhere, anytime.

Regardless of the method you choose, be sure to pay your bill on time to avoid late fees and maintain a good credit score.

In Singapore, you can check your credit card bill via online banking or mobile banking. Alternatively, you can also sign up Citi Alerts to receive SMS and Email notifications from Citibank when specific transactions on your accounts or credit cards are made.

It's always a good idea to check your bill regularly to ensure that you are aware of any transactions and that they are correct.

Citibank credit card holders in Singapore may be eligible for a fee waiver on certain charges. For example, Citibank may waive the annual fee for certain cardholders or waive the late payment fee for customers who have a good payment history with the bank.

To request a fee waiver, customers can contact Citibank's customer service department and provide proof of financial hardship or other relevant information. It's important to note that fee waivers are generally granted on a case-by-case basis and not all fee waivers will be granted.

If you wish to cancel your Citibank credit card in Singapore, there are a few steps you will need to take to ensure a smooth process:

Contact Citibank customer service by calling +65 6225 5225 and speak with a representative. Inform them that you wish to cancel your credit card.

Provide the representative with your account information, including your account number and identification details.

Verify your identity by providing a copy of your identification document.

Clear any outstanding balances or pending transactions on your credit card.

Cut up your credit card and dispose of it.

Keep a record of the cancellation confirmation for your records.

It is important to remember that cancelling a credit card may have a negative effect on your credit score, so it is best to consider your options and weigh the pros and cons before taking any action. Also, if you have any recurring payments on your card, do cancel it before canceling the card to avoid any financial loss or late payments.

Additionally, you can also cancel your credit card by visiting the nearest Citibank branch in Singapore. Make sure you carry your identification documents and your credit card with you.

Generally, the highest credit limit offered by Citibank in Singapore is around S$200,000, but this can vary depending on the individual's credit profile. The highest credit limit is typically offered to Citibank's premium credit cardholders, such as those who hold a Citigold account, or those who have a high income and a good credit history.

However, it's important to note that the credit limit offered by Citibank may vary depending on the individual's creditworthiness, income and other factors, and it's always best to check with Citibank for the most current information and the terms and conditions that apply.

Additionally, it's also important to remember that having a high credit limit does not necessarily mean you should use the entire limit, it's always best to use credit responsibly and within your means.

Citibank credit cardholders in Singapore can request to increase their credit limit on their card. This can be done by contacting Citibank customer service or through the Citibank online banking portal. The bank will then conduct a credit review to determine if the cardholder is eligible for an increase.

Factors that are considered when determining credit limit increase include income, credit history, and payment history on the card. If the request is approved, the new credit limit will be effective immediately.

However, if the request is denied, the cardholder can request a review of the decision. It's important to note that there might be fees associated with the credit limit increase and the customer should check with Citibank for the most current information and the terms and conditions that apply.

Activating your Citibank credit card in Singapore is a simple process that can be done in a few easy steps.

Visit the Citibank Singapore website and log in to your account using your User ID and Password.

Once logged in, navigate to the "Cards" section of your account and select the credit card you wish to activate.

Click on the "Activate Card" button and follow the on-screen instructions to complete the activation process.

You can also activate your credit card by calling the Citibank customer service hotline at +65 6225 5225 and following the instructions provided by the representative.

Finally, remember to sign the back of your credit card and start using it.

By following these steps, you can successfully activate your Citibank credit card in Singapore. If you have any issues or questions, you can contact the Citibank customer service team for assistance.