Citi Rewards Card Review
The Citi Rewards Card gives you Citi Points in exchange for everyday purchases. With so many ways to redeem rewards with Citi Points via the Citi Mobile® App, it won’t be long before you can savour the fruits of your spending.
written_by SingSaver Team
updated: Jul 07, 2025
The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.
In summary
Seedly rating: 4.4 stars
From online purchases to in-person shopping, be rewarded for your everyday spending with Citi Points. Read on to find out how the Citi Rewards Card measures up to its competitors.
Citi Rewards Card review
Citi Rewards Card
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| Min. Annual Income | S$ 30,000 |
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| Card benefit | 1 - 10 points / dollar |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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Citi Rewards Card
Rates, fees, and ongoing promos
Annual fee
$196.20 for primary cardholders, $98.10 for supplementary cardholders
Online shopping
10x Points
In-store purchases
10x Points
All other spend
1x Point
Min. income (Singaporeans)
$30,000 per annum
Min. income (Foreigners)
$42,000 per annum
Introductory promo
40,000 Citi ThankYouSM Points for new Citi cardholders
Foreign transaction fees and administrative fees may apply.
More details from Citibank
View rates and fees information.
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Generally speaking, your Points have a 5-year validity period. A reminder will be sent to you 3 months prior to your Points’ expiry date.
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However, do note that Points earned during a Points Validity Period must be used within the Points Validity Period and cannot be carried forward to subsequent Points Validity Periods. (You get a 3-month grace period to use up your Points at the last day of the Points Validity Period, after which they will be cancelled. A Points Validity Period translates to a duration of 60 months.)
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Eligible 10x Points transactions will be awarded 1 Base Point per $1 and 9 Bonus Points per $1. Note that Bonus Points are capped at 9,000 Points per calendar month.
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440 Points are worth $1. This means that your 9,000 Points cap is equal to $20.45.
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Travel-related transactions are not eligible for 10x Points rewards. This includes payment for accommodations at a hotel, booking of flights and car rentals.
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Transactions such as court fines, payment for insurance premiums, paying for betting services are not eligible for Points.
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Apply with Singpass to save the hassle of providing multiple supporting documents. Check if your details are complete on MyInfo before you submit your application.
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Detailed review
The Citi Rewards Card’s annual fee is standard among its peers at $196.20 for primary cardholders and $98.10 for supplementary card holders. This fee is automatically waived for the first year of your membership. Though some cards may reward you with fee waivers if you spend above a certain threshold, this does not apply for the Citi Rewards Card for now.
New to Citibank? Sign up and get your welcome gift of 40,000 Citi ThankYouSM Points, which are worth $90.90. Existing Citi members can still claim a reward of $150 for a successful referral, with a bonus $150 for every subsequent referral, capped at $1,050.
>> MORE: The best credit cards for shopping.
Citi Rewards Card review
Card type: Rewards
Annual fee: $196.20
Sign-up offer: New Citi members get 40,000 Citi ThankYouSM Points (NOTE: Existing Citi members can earn cash rewards for every successful referral they make.)
Rewards:
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10x Points for online purchases. This includes food delivery, online groceries and ride-hailing services.
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10x Points for in-store purchases. This includes your typical apparel store, department stores, footwear stores and so on.
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1x Point for all other eligible purchases.
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Redeem your Points with the Citi Mobile® App to offset purchases, get cash rebates, or exchange them for merchandise or gift vouchers from Citi’s Redemption Catalogue.
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Complimentary travel insurance with HL Insurance when you charge your airfare to your Citi Rewards card. You’ll receive Personal Accident, Overseas Medical Expenses, Emergency Medical Assistance and Travel Inconvenience coverage.
How much are my Citi Points worth? According to Citibank, 440 Points are equal to $1. This means:
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Your welcome gift of 40,000 Points is worth $90.90.
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The 9,000 Points cap on Bonus Points you can earn per month is worth $20.45.
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An in-store purchase with a transaction amount of $800.99 will earn you 8,000 Points (800 Base Points, 7,200 Bonus Points). That is equivalent to $18.18.
Minimum income requirement:
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$30,000 per annum for Singapore citizens and Permanent Residents.
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$42,000 per annum for foreigners.
Interest charges for card transactions: The good news? You don’t need to pay any of the following rates if you pay your bills in full and on time. The bad news is that credit card interest rates are on the hefty side.
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A prevailing interest rate of 27.9% per annum may apply. Accounts with good conduct may get a promotional interest rate of 21.9% per annum. In the event your account is past due, however, Citi may decide to charge an enhanced interest rate of 30.9% per annum.
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A Late Payment Charge of $100 may also be levied on your account if the Minimum Payment Due is not received on or before the Payment Due date.
SingSaver x Citi Rewards Credit Card Exclusive Offer
Receive up to S$450, a Dyson Airwrap Origin or a Hinomi Ergonomic Office Chair when you apply for a Citi Rewards Card and spend a minimum of S$500 within 30 days of card approval. Valid till 31 July 2025. T&Cs apply.
Or, top up as low as S$50 to get the latest Dyson products, Apple iPad (A16), or Nintendo Switch 2. Valid till 31 July 2025. T&Cs apply.
Compare to other cards
Match your spending with the right card
Find the most suitable card for your spending habits and your desired benefits.
Benefits and perks
Get rewarded for your spending
With 10x Points for online and in-store purchases and 1x Point for all other purchases, you’ll be ringing in the Citi points every time you click “Buy” or open your wallet. The only major exception is travel-related transactions, which are not eligible for earning 10x Points.
Flexible redemption options
The Citi Mobile® App lets you effortlessly redeem your Citi Points to offset purchases, get cash rebates and browse for Citi’s Redemption Catalogue for merchandise and gift cards. Other ways you can redeem your Points include transferring them to GrabRewards Points, KrisPay miles, airline miles or hotel points. You may also choose to exchange your Points for other Citi Rewards, spanning shopping, dining and travel deals. More on this below.
Exclusive shopping, dining & travel deals
The Citi Rewards Card gives you access to Citi’s curated offers in the form of Shop Smart with Citi, Citi Gourmet Pleasures and Travel Deals. Foodies will love the range of cuisines offered by Citi Gourmet Pleasures, and mouthwatering deals on family favourites like Din Tai Fung, COLLIN'S® and Siam Kitchen. Those who love to shop will enjoy Lazada and RedMart promos, while frequent flyers will appreciate discounted flights and hotel bookings.
>> MORE: The best credit cards for dining.
Get one step closer to your dream vacay
Drawbacks and considerations
Relatively low cap on Bonus Points
All eligible online or in-store purchases get you 1x Base Point and 9x Bonus Points. Though there’s no limit on the amount of Base Points you can earn, there is a monthly cap of 9,000 on Bonus Points. This means that even with increased spending, there’s a limit on how many Bonus Points you can realistically earn.
Other related cards
Travel & mobile wallet purchase exclusions
Exclusions on travel-related and mobile wallet purchases render them ineligible for earning 10x Points. Along with the low cap on Bonus Points, this is another limitation that hinders the card’s reward potential, especially with Citi’s all-encompassing restrictions on travel-related purchases, which includes car rentals and lodging.
Get the most out of your credit card
Learn how to turn the credit card of your choice into a powerful financial tool with Singsaver.
High interest rates
You don’t have to pay interest rates if you pay your credit card bills on time and in full. But nobody’s perfect and in the event that you do forget to pay your bill, Citi’s interest rates can burn a hole in your pocket very quickly. The effective interest rate Citi currently charges for this card is 27.9%, though a promotional rate may be given to accounts with good conduct. On the other hand, accounts that are past due may suffer an enhanced interest rate of 30.9%.
Check out our roundup of Citibank’s credit cards for other options more suited to your needs, including cards with no annual fees.
Is this the right card for you?
The Citi Rewards Card is a great fit for habitual online shoppers who make occasional in-store retail purchases. It’s also a solid choice for value seekers who enjoy making a mini game out of utilising Points they have earned, which they can use for cash rebates, shop merchandise and gift cards and offset purchases.
New to Citibank? Do also take advantage of the 40,000 Citi ThankYouSM Points Citibank is giving out as a welcome gift to all newcomers. All you need to do is spend $800 on eligible purchases in the first 2 months of your membership.
Citi Rewards Card
Citi Rewards Card
on_provider_website
| Min. Annual Income | S$ 30,000 |
|---|---|
| Card benefit | 1 - 10 points / dollar |
| Annual Fee | S$ 196.20 |
| REWARDS | |
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Alternate pick: Miles
Seedly rating: 4.6 stars
Citi PremierMiles Card
Accelerate your miles earnings
Get miles for life on local and overseas spend with this card designed for frequent flyers. Plus, enjoy complimentary travel insurance and airport lounge visits.