Citi Rewards Visa Card

Last updated:May 2019
Offers
Benefits
Eligibility
APR/ FEES

Offers

Exclusive Offer

from SingSaver

OFFER 1

Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

Need some help?

No worries, we've got you covered!

How do credit cards work?

A credit card lets you pay for purchases both in shops and online without paying cash. You usually get slightly more than a month to pay that amount back to the bank without incurring any interest. However, if you do not pay the full sum before the due date, an interest (up to 24% - 28% per annum.) is charged on the outstanding amount. Banks usually require you to pay a minimum sum each month.

What's the difference between credit cards and debit cards?

When you apply for a credit card, you get a credit limit, which is usually two to four times your monthly salary. You draw down on this credit limit when you make purchases and then repay the bank at the end of the month. With a debit card, however, the exact purchase amount is deducted directly from an account that's linked to the debit card. If there are insufficient funds in the account, the transaction will not go through.

How do I apply for a credit card?

You can apply for a credit card online or through forms available at banks or shopping malls. Fill up the personal details required, submit the relevant documents and wait for the application to be approved.

When can I apply for a credit card?

You must be at least 21 years old to apply for a credit card. Some banks allow student credit cards to be issued to those aged 18. The minimum age for a supplementary card holder is also 18 years old.

Shopping
Annual Fee Waiver
Shopping
Annual Fee Waiver

Great for

SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo ends 30 June 2019. Apply here for existing customers .
Earn 10X Rewards (10 Points or 4 Miles for every S$1 spent) on all your online purchases (except travel related transactions). Terms and Conditions apply.
Earn 10X Rewards (10 Points or 4 Miles for every S$1 spent) on your shopping spend made locally and overseas. Terms and Conditions apply.
Earn 1X Rewards Point for every S$1 spent on all other spending
No minimum spend required
10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent.
Redemption illustration: 4,400 points = S$10 Cash Rebate. 25,000 points = 10,000 Miles

Need to know

Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
Air miles rewards
All Spending
0.23 %
0.4 miles per dollar
Dining Spending
0.23 %
0.4 miles per dollar
Department Store Spending
2.27 %
4 miles per dollar
Retail Spending
2.27 %
4 miles per dollar
Online Shopping Spending (Local)
2.27 %
4 miles per dollar

Eligibility

APR/ FEES

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