Best Citibank Credit Cards in Singapore 2025

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Please verify the latest information on the bank's official website before applying.

Citi Cash Back+ Card

Our pick for: Flat-rate cashback

The Citi Cash Back+ Card offers a straightforward reward system with a flat 1.6% cashback on all eligible spending and no minimum monthly spend, making it a simple option for consistent rewards, although a bonus cashback is available for Citi Plus customers and an annual fee applies after the first year. Read our review.

Citi PremierMiles Card

Our pick for: Travel rewards

Designed for travellers, the Citi PremierMiles Card provides 1.2 Citi Miles per S$1 spent locally and 2.2 Citi Miles per S$1 on foreign currency transactions (effective 12 Sep 2024), coupled with benefits like annual lounge visits and travel insurance, though maximising rewards often involves travel-related spending. Read our review. 

Citi SMRT Card

Our pick for: Automatic 5% rewards

The Citi SMRT Card provides up to 5% savings on everyday categories such as supermarkets, online purchases, and transport when a minimum monthly spend of S$500 is met, offering practical rewards for regular local spending, although bonus savings are contingent on meeting the minimum spend. Read our review.

Citi Cash Back Card

Our pick for: Local spending

The Citi Cash Back Card offers high cashback rates of up to 8% on categories like private commute, petrol, dining, and groceries worldwide for those who spend at least S$800 monthly, along with fuel savings and travel accident coverage, but a lower base cashback rate applies if the minimum spend isn't reached, and total cashback is capped. Read our review.

Citi M1 Platinum Visa Card

Our pick for: Balance transfers

The Citi M1 Platinum Visa Card provides bonus rebates on entertainment and M1 telco bill charges, potentially offering savings for frequent users of these services, with rebates that can offset the M1 bill, but the bonus rebates are capped, and a minimum spend is required for the welcome bonus. Read our review.

Citi Prestige Card

Our pick for: Overseas spending

The Citi Prestige Card caters to affluent travellers with accelerated ThankYou Points earning, especially on overseas spending (5 points per S$1), along with luxury benefits like complimentary hotel nights and airport lounge access, though it comes with a significant annual fee and is most beneficial for frequent travellers. Read our review.

Citi Rewards Card

Our pick for: Best rewards cards

The Citi Rewards Card excels in providing 10X Points on online and in-store shopping purchases within specific categories, allowing for rapid accumulation of ThankYou Points redeemable for various options, although the high rewards are focused on these specific categories and points have an expiry date. Read our review.

Citibank also issues credit cards such as: 

• Citi Clear Card

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In Singapore, obtaining a Citibank credit card typically necessitates a strong credit standing, as reflected in your Credit Bureau Singapore (CBS) report. While Citibank doesn't publicly disclose specific CBS score thresholds, a score in the higher range (closer to 2000) generally indicates a lower credit risk and enhances your chances of approval. However, your CBS score is not the sole determinant. Citibank also considers factors such as your income stability, employment history, and existing financial obligations.

For those with a limited credit history or seeking to improve their credit profile, Citibank may offer secured credit card options. These cards require a security deposit, establishing your credit limit, and providing an opportunity to build a positive credit record.

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Citibank's credit card interest rates, expressed as Annual Percentage Rates (APR), are tailored to each cardholder's credit profile and the specific card chosen. These APRs, detailed in the card's terms and conditions, typically range from competitive to premium, reflecting Citibank's diverse benefits.

For instance, a travel rewards card might feature a higher APR range, like 26% to 29% per annum, justified by its extensive travel perks and miles accumulation. Conversely, cards designed for balance transfers or cashback might offer introductory 0% APR periods, providing short-term financial flexibility.

When comparing Citibank's rates with other Singaporean credit cards, consider the holistic value, including rewards, fees, and benefits, to ensure the chosen card aligns with your financial needs and spending habits.

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Citibank in Singapore assesses various factors to determine the credit limit for new cardholders. Primarily, your credit profile, as reflected in your Credit Bureau Singapore (CBS) report, plays a significant role. Citibank also evaluates your income stability, employment history, and existing financial commitments. These factors collectively indicate your creditworthiness and ability to manage credit responsibly.

For individuals with limited credit history or those seeking to build their credit profile, Citibank may offer secured credit card options. In such cases, the credit limit is typically equivalent to the security deposit placed by the cardholder. Citibank periodically reviews these accounts, and if the cardholder demonstrates responsible credit management, they may be transitioned to a regular unsecured credit card. This process allows individuals to establish a positive credit track record in Singapore.

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The most direct approach to obtaining a credit limit increase on your Citibank credit card in Singapore is to contact Citibank's customer service directly. You can call the number on the back of your card and request a review for a higher credit limit. Citibank may conduct a credit assessment, which could involve checking your Credit Bureau Singapore (CBS) report. This process might result in a "hard inquiry," which could temporarily affect your credit score.

Citibank also routinely reviews cardholder accounts and may automatically increase credit limits for those who demonstrate responsible credit behaviour. To enhance your chances of an automatic increase, consistently make timely payments and avoid carrying a high outstanding balance.

If you are approved for a new Citibank credit card while holding an existing one, you might be able to consolidate your credit limits. Citibank allows cardholders to transfer a portion of their existing credit line to the new card. Contacting customer service will enable you to specify the amount you wish to transfer.

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Citibank credit cards in Singapore offer a variety of benefits tailored to different lifestyles and financial needs. Many cards provide complimentary access to your Credit Bureau Singapore (CBS) credit report, enabling you to monitor and manage your credit health effectively. Additionally, Citibank frequently partners with local merchants to offer exclusive promotions and discounts, enhancing your shopping experience.

Specific benefits vary depending on the card. For instance, the Citi PremierMiles Card is ideal for travel enthusiasts, offering accelerated miles accrual on travel and dining, as well as access to airport lounges and travel insurance. If you're looking to maximise cashback on everyday spending, the Citi Cash Back+ Card may provide a straightforward cashback structure with no cap. Alternatively, for those seeking to enjoy premium lifestyle benefits and travel perks, the Citi Prestige Card offers attractive options.

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Citibank in Singapore provides multiple avenues for potential cardholders to explore their eligibility before a formal credit card application. You can utilise online tools on Citibank's website for an initial assessment or contact their customer service via phone or branch visit for specific pre-approval inquiries. While pre-approval indicates your likelihood for approval, it's not a guarantee. However, if you receive a "firm credit offer," Citibank is legally bound to honour the offered terms, though a formal application is still mandatory.

To complete the application process, ensure you have essential documents such as your NRIC or passport, proof of income (payslips, tax notices, CPF statements), bank statements (for self-employed individuals), and work permit or passport (for foreigners). Submitting a complete and accurate application, along with the required documents, allows Citibank to thoroughly review your financial profile and inform you of their final decision.

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Citibank in Singapore generally allows cardholders to consolidate ThankYou Points earned across different Citi credit cards that participate in the ThankYou Rewards programme. This can be a useful strategy for optimising your rewards.

For example, if you have both the Citi PremierMiles Card and the Citi Rewards Card, you may be able to transfer ThankYou Points between these accounts to accumulate points for a specific redemption goal, such as a flight booking through the Citi PremierMiles Card's travel partners.

However, it's important to check the specific terms and conditions for each card and the Citi ThankYou Rewards programme in Singapore, as there might be limitations or specific procedures for combining points. Always confirm the latest policies on Citibank Singapore's official website or by contacting their customer service.

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If your Citibank credit card application in Singapore is denied, understanding the reasons is key. Contact Citibank's customer service for specific feedback on why your application was unsuccessful. Common factors include issues with your Credit Bureau Singapore (CBS) report, insufficient income proof, or high existing debt. Review your CBS report for errors or negative entries and gather comprehensive income documentation to address any deficiencies.

You may also request a reconsideration of your application, especially if you can provide additional documentation or clarify any misunderstandings. Importantly, this reconsideration typically avoids another "hard inquiry" on your CBS report. By focusing on improving your creditworthiness through responsible financial management and addressing the specific reasons for denial, you can enhance your prospects for future approvals.

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