Compare Citibank Credit Cards in Singapore 2026
Updated: 25 May 2026
Credit Card | Product Name | 🔥 Hot Reward Pick | Min. Annual Income | Card Benefits | Ideal For | |
|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | S$30,000 | 1.2 - 10 | Miles Maximiser | ||
 | Citi Rewards Card | S$30,000 | 1 - 10 | Online Shopper | ||
 | Citi Cash Back Card | S$30,000 | 0.2 - 8 % | For Family Fun | ||
 | Citi Cash Back+ Card | S$30,000 | 1.6 % | Fuss-free cashback | ||
 | Citi SMRT Card | S$30,000 | 0.3 - 5 % | For SMRT Commuters | ||
 | Citi M1 Platinum Visa Card | S$30,000 | 0.3 - 10 % | For M1 Loyalists | ||
 | Citi Prestige Card | - | S$120,000 | 3.25 - 5 | Luxury Seeker | |
 | Citi Clear Card | - | S$0 | 1 | - |
Don’t miss out on this great deal!
✨ Top Up for a Glow Up with Dyson ✨
Only on SingSaver: Apply for select Citi Credit Cards and upgrade your reward to a premium Dyson hair or home product worth up to S$799 — with a top-up starting from just S$50!
Apply by Jun 01, 2026 to claim your reward
Participating Products:
Citi PremierMiles Card
:
For Flexible Airmiles
Citi Cash Back+ Card
:
For Big Ticket Purchases
Citi Cash Back Card
:
For Families & Households
Citi Rewards Card
:
For Online & Retail Shopping
Citi SMRT Card
:
For SMRT Commuters
Citi M1 Platinum Visa Card
:
For M1 Regulars
How to Qualify?
- Apply for Citi Credit Cards through SingSaver by 1 June 2026
- Submit the SingSaver Reward Redemption form
- Activate your card and spend a minimum of S$500 within 30 days of card approval date to be eligible for reward
- Promotion is valid for new Citi credit cardmembers only
- Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
- Promotion does not stack with other welcome offers from Citibank
- SingSaver Flash Deal: Be one of the first 2 eligible applicants at 2pm & 8pm daily to score a S$200 Cash + Dyson Digital Slim Fluffy bundle (total worth S$999)!
- Terms and Conditions apply
Apply by Jun 01, 2026 to claim your reward
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to participating Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- No expiry air miles
- Airport lounge
- Travel rebate
- Gift: Apple product
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
- 10X rewards points for all online purchases except mobile wallet and travel-related transactions.
- 10X rewards points for in-store shopping purchases at department stores, clothing stores and more.
- 1X rewards points on all other purchases.
- Pair with amaze card to turn offline transactions into online transactions.
- No cap on base rewards points.
- Rewards points conversion rate: 440 Points = S$1
- Rewards points are rounded down to the nearest 10 points on all purchases.
- Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Rewards Card will be updated to end on 31 March 2026. For more information, please click here.
- Read our full review of the Citi Rewards Card
- Bonus air miles
- Travel insurance
- Annual Fee waiver
- High-value gift
- Bonus rewards points capped at 9,000 points per statement month.
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
- 6% cashback on dining and grocery spending (local & overseas).
- 8% cashback on petrol and private commute (local & overseas).
- Up to 23.64% savings at Caltex, Esso and Shell, inclusive of 8% cashback for petrol spending.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back Card will be updated to end on 31 March 2026. For more information, please click here.
- 0.20% cashback for all other spending, even if you do not meet the min. monthly spend.
- Dining rebate
- Supermarket rebate
- High-value gift
- Min. monthly spend of S$800 required to earn bonus cashback.
- S$80 combined cashback cap across all categories.
- Rebate cap applied
- 1.6% cashback on all eligible spending with no minimum spend and no cap.
- Cashback earned does not expire.
- Redeem cashback instantly via SMS. Terms and Conditions here.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi Cash Back+ Card will be updated to end on 31 March 2026. For more information, please click here.
- With Citi PayAll you can earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Up to 17% discount at Caltex, Esso and Shell petrol stations.
- With Citi PayLite® Bundle Program, you can pay off your retail purchases in 3-month instalment payments at no processing fees. Terms and Conditions apply.
- No rebate cap
- No monthly spend required
- Annual Fee waiver
- High-value gift
- 5% savings on online purchases.
- 5% savings at all supermarkets & grocery stores.
- 5% savings on taxi & public transport rides.
- Public transportation
- Grab/taxi rebate
- Online shopping rebate
- Minimum monthly spend of S$500 required to get higher cashback rates.
- Monthly spend required
- Earn up to 4.7% Citi M1 rebate on eligible Entertainment spend and 2.7% Citi M1 rebate on M1 Telco Bill spending.
- Enjoy up to 2.7% Citi M1 Rebate on purchases at M1 stores.
- Citi M1 rebate does not expire.
- Retail rebate
- No expiry air miles
- 0.3% cash rebate on eligible retail purchases.
- Monthly spend required
- Rebate cap applied
- 5 ThankYou Points per dollar on overseas spend.
- 3.25 ThankYou Points per dollar on local spend.
- Points earned do not expire and have no cap.
- Twelve (12) complimentary lounge visits per calendar year to over 1,700 airport lounges and experiences in cities around the world through Priority Pass membership.
- Complimentary night stays when you book a minimum consecutive four-night stay at any hotel or resort.
- Up to 30% more ThankYou Points for your relationship with Citibank.
- Six complimentary golf games locally and overseas.
- Read our full review of the Citi Prestige Card.
- Airport lounge
- Dining Benefits
- Complimentary Hotel Night Stay
- Complimentary Limo Rides
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$651.82 (incl. GST).
- Can no longer convert Citi ThankYou Points into miles (as of February 2026).
- Earn 1X Point* for every S$1 spend
- Enjoy exclusive dining deals at over 1,000 eateries in Singapore
- Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
- No min. annual income requirement
- Earn 1X Point* for every S$1 spend
- Enjoy exclusive dining deals at over 1,000 eateries in Singapore
- • Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands
Citi PremierMiles Card
Key features
-
Miles you earn will never expire
-
Earn 1.2 Citi Miles on local spend and 2.2 Citi Miles on overseas spend
-
Offset certain purchases with your Citi Miles
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Get up to 10 Citi Miles for select online travel bookings
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2 complimentary visits to airport lounges worldwide annually
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14% upfront discount on fuel from Shell
-
Choose from 11 airline and hotel transfer partners
-
Charge your air fare to your credit card for up to S$1 million in complimentary travel coverage*
*ends 31 March 2026
Annual interest rates & fees
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Annual principal fee: S$196.20 (inclusive of GST)
-
Supplementary annual fee: Free
-
Fee waiver: N/A
-
Annual interest rate: 27.9% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Monthly spend required: none
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Minimum age: 21 years old
Limitations
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Some Merchant Category Codes are excluded from Citi Miles earning, such as educational institutions, religious organisations and gambling
-
Transferring Citi Miles to Krisflyer miles may take as much as 5-7 days, or 14 days for Etihad Guest and Thai Airways Royal Orchid Plus
Citi Rewards Card
Key features
-
10X Points on online purchases, such as ride-hailing, groceries and food delivery services
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10X Points for in-store shopping purchases at department stores, shoe stores and more
-
Citibank's rewards structure of 10X Points for applicable purchases applies worldwide
-
14% fuel savings at Shell stations islandwide
-
Choose from 11 airline and hotel transfer partners
-
Complimentary travel coverage available when you charge your air fare to your card*
*ends 31 March 2026
Annual interest rates & fees
-
Annual principal fee: S$196.20 (inclusive of GST)
-
Supplementary annual fee: S$98.10
-
Fee waiver: N/A
-
Annual interest rate: 27.9% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Minimum age: 21 years old
Limitations
-
Monthly 10X Points are capped at 9,000 Points
-
Travel-related transactions are not eligible for 10X Points
Citi Prestige Card
Key features
-
Complimentary 4th night's stay at hotels worldwide when you book your room via the Citi Prestige Concierge
-
5 ThankYouSM Points (2 miles) for overseas spend
-
3.25 ThankYouSM Points (1.3 miles) for local spend
-
Earn up to additional 30% Relationship Bonus Points on your annual card spend
-
Complimentary access to more than 1,700 airport lounges worldwide
-
Play complimentary games worldwide at celebrated golf courses in Singapore, Malaysia, Indonesia and China
-
Airport limousine transfer services
-
Exclusive dining perks at the finest restaurants
Annual interest rates & fees
-
Annual principal fee: S$598 (before GST)
-
Supplementary annual fee: Free
-
Fee waiver: N/A
-
Annual interest rate: 27.9% p.a.
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Minimum annual income: S$120,000
-
Age: 21 years old
Limitations
-
Earn rates are middling for overseas spend when compared to other cards in the same price range
-
Minimum spend of S$12,000 needed to qualify for 2 complimentary airport limousine transfers per quarter
Citi Cash Back Card
Key features
-
8% cashback on private commutes (e.g., Gojek, Grab and taxi rides) and petrol spend worldwide
-
6% cashback on dining and groceries spend worldwide
-
0.2% cashback on all other retail purchases
-
Up to 23.64% fuel savings at Caltex, Esso and Shell stations (includes 8% cashback)
-
Up to S$1 million travel coverage when you charge your air fare to your Citi Cash Back Card*
*coverage ends 31 March 2026
Annual interest rates & fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.9% p.a
-
Late payment fees: Rates determined by Citibank
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Age: 21 years old
Limitations
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You need to spend least S$800 per calendar month to unlock higher earn rates
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This will allow you to earn 6% cashback on dining and grocery spend as well as 8% on fuel and private commute spend
-
Cash back earned under all categories are capped at S$80
Citi Cash Back Plus Card
Key features
-
1.6% cash back on all eligible spend
-
No minimum spend needed for 1.6% cash back rewards
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Earn unlimited 1.6% cash back (no cap on cash back earned)
-
Redeem cash back on-the-go via the Citi Mobile® App and SMS
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Up to S$1 million travel coverage when you charge your air fare to your Citi Cash Back+ Credit Card*
*ends 31 March 2026
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.9% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Age: 21 years old
Limitations
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3.25% foreign currency spend promo only applies regionally and excludes US/Europe
-
Complimentary travel insurance ends 31 March 2026
-
You need to be to Citi Plus customer with a Citi Interest Booster Account to earn 0.4% Bonus Cash Back
Citi SMRT Card
Key features
-
5% savings at grocery stores and supermarkets
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5% savings on online spend
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5% savings on taxi rides and public commutes islandwide
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0.3% savings on other retail spend
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Redeem SMRT$ for cash rebates or shopping vouchers via Citibank Online
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st 2 years waived
-
Annual interest rate: 27.9% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Age: 21 years old
Limitations
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You will only earn 0.3% SMRT$ on your purchases if you spend less than S$500 per month
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Rewards for online transaction are not applicable for travel-related or mobile wallet transactions
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Only public commutes paid via SimplyGo are eligible for rewards
Citi M1 Platinum Visa Card
H3 Key features
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4.7% bonus Citi M1 rebates on entertainment-related transaction (e.g., cinemas & streaming services)
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2.7% bonus Citi M1 rebates on M1 bills
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2.7% bonus Citi M1 Rebate on in-store purchases at M1 shops
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Citi M1 rebates never expire
-
Zero activation fees for Data Passports
Annual interest rates and fees
-
Annual principal fee: S$196.20
-
Supplementary annual fee: S$98.10
-
Fee waiver: 1st year waived
-
Annual interest rate: 27.9% p.a
-
Late payment fees: S$100
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: S$30,000
-
Foreigner minimum income: S$42,000
-
Age: 21 years old
Limitations
-
Monthly cap of S$60 applies for 4.7% Bonus Citi M1 rebates on eligible Entertainment spend
-
2.7% Bonus Citi M1 rebates on M1 bills are capped at S$300
-
Rewards not applicable for travel-related or mobile wallet transactions
Citi Clear Card
Key features
-
No minimum income requirement
-
1X ThankYouSM Point for every S$1 spend
-
Exclusive dealing deals at over 1,000 eateries islandwide
-
Exclusive lifestyle, fashion and travel deals online available
Annual interest rates and fees
-
Annual principal fee: S$30.52
-
Supplementary annual fee: N/A
-
Fee waiver: 1st year waived
-
Annual interest rate: 28% p.a
-
Late payment fees: S$40
-
Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$25 plus any overdue amounts, whichever is greater.
Minimum income requirement
-
Singapore Citizen/PR minimum income: N/A
-
Foreigner minimum income: N/A
-
Age: 18 years old
Limitations
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ITE colleges are excluded from the list of 23 approved tertiary institutions
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Existing primary Citi credit card or Ready Credit customers are not eligible for this credit card
-
Travel-related or mobile wallet transactions are excluded from rewards earning
Rewards
Accumulated a healthy amount of Citi Points/Miles? Read on to find out how to redeem rewards, transfer points or earn cash rebates with your stash.
Citi Mobile® App
More than just a banking app, you can also use the Citi Mobile® App to offset purchases via Citi Pay with Points, redeem attractive rewards, transfer Points/Miles to air miles and even buy Apple products with your Citi ThankYou Points or Citi Miles.
Citi ThankYou Rewards
Claim dining, shopping or grocery vouchers with your Citi Points or Miles. Enjoy offers from Citibank's curated list of partners including Cold Storage, CS Fresh, 7-Eleven, Esso, Paradise Group and more.
Turn Citi Points or Miles into air miles
Convert your Citi Points or Miles into air miles or hotel points. Do note that an administrative fee of S$27.25 applies for each Points Transfer. Only the Citi ULTIMA Card is exempt from this fee. Here’s how Citibank’s Points Transfer works:
-
25,000 Citi Points will net you 10,000 airline miles/hotel points
-
10,000 Citi Miles will net you 10,000 airline miles/hotel points
How to apply
-
Start your application on SingSaver
-
Submit required documents (if needed)
-
Receive and activate your card
-
Redeem your SingSaver rewards
Once your eligibility is confirmed by the bank, SingSaver will email you the reward redemption instructions within 8–10 weeks.
Credit card application resources
Looking for a credit card that suits your needs? Check out these helpful guides:
Frequently asked questions about Citibank credit cards
The best Citibank credit card is one that aligns with your spending habits, financial needs and lifestyle. The Citi Clear Card will be best suited for students, whereas the Citi Rewards Card will be ideal for individuals looking for an everyday spending card. Citibank also has credit cards that cater to frequent flyers (Citi PremierMiles Card) and public transport users (Citi SMRT Card).
The minimum annual income for Citibank's credit cards typically sits in the range of S$30,000. Exceptions include the Citi Prestige Card, which has a minimum annual income of S$120,000 and the Citi Clear Card, which has no minimum income requirement.
The exclusive Citi ULTIMA Card is offered on an invitation-only basis. According to Citibank's website, Citigold® Private Client members may speak to their Senior Relationship Manager for more information on this card.
Citibank only does waivers through their hotline at (65) 6225 5225. Although there's no guarantee that you'll get your fees waived, it helps if you are a Citibank customer in good standing.
Similar to requesting for an annual fee waiver, card cancellations can only be done through Citibank's hotline at (65) 6225 5225. If you suspect you may be a victim of credit card fraud, you can lock your card immediately via the Citi Mobile® App.
⚡ Citi Flash Deal: Score a S$999 Bundle!
Be one of the first 2 eligible applicants at 2PM and 8PM daily to win a S$200 Cash + Dyson Digital Slim Fluffy bundle (worth S$999). Limited-time offer, act fast!