Citi Clear Card

The Citi Clear Card is a new rewards points card designed for the student's everyday lifestyle. With no minimum income requirement, you can start earning 1X point per S$1 on almost any purchase, while also getting exclusive deals on dining, online fashion, lifestyle, and travel.

See Moreexpand_more

Card benefit

point / dollar

info

1 reward point per dollar on all eligible spend

Annual Fee

S$ 30.52

info

With First Year Fee Waiver

Minimum Annual Income

S$ 0

layers

Highlights

Card benefit

point / dollar

info

1 reward point per dollar on all eligible spend

Annual Fee

S$ 30.52

info

With First Year Fee Waiver

Minimum Annual Income

S$ 0

Things to consider when choosing this card:

Things to consider

check

No min. annual income requirement

check

Earn 1X Point* for every S$1 spend

check

Enjoy exclusive dining deals at over 1,000 eateries in Singapore

check

• Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands

sentiment_satisfied

Benefits

Rewards Points

redeem

Rewards Points Baseline

1 point / dollar

storefront

Rewards Points Local Spending

1 point per dollar

shoppingmode

Rewards Points Overseas Spending

1 point / dollar

See Moreexpand_more

sports_score

Quick Facts

check_circle

Earn 1X Point* for every S$1 spend

check_circle

Enjoy exclusive dining deals at over 1,000 eateries in Singapore

check_circle

Enjoy online fashion, lifestyle and travel exclusives at your favourite online brands

rule_folder

Eligibility

Minimum Age

18 years old

Minimum Annual Income

S$ 0

local_atm

Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 30.52

info

With First Year Fee Waiver

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

info

Or 8% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

1 %

info

1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.

Late Payment Charge

S$ 40

info

S$40 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

28 %

Interest on Cash Advance

28 %

Interest Free Period

25 days

grid_view

Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Citi Clear Card

Read Singsaver’s full review of the Citi Clear Card

Pros & cons

Pros	Cons
No minimum income: Perfect for tertiary students aged 18 and above (those below 21 must get a parent’s or guardian’s permission to apply).	Entry-level card with few perks: This card does not come with premium features as it’s targeted at students. Those with a high monthly expenditure will benefit more from these best shopping credit cards or best airmiles credit cards.
Earn rewards and pay with points: Earn 1 Thank You point for every $1 spent; accumulated points can be used to redeem rewards and pay for purchases.	Low monthly spending makes it hard to redeem rewards: Although rewards are available, students with a low monthly expenditure will find that accumulating enough points to redeem these rewards takes a long time or is simply not feasible.
Citi World privileges: Discover exclusive deals for cardholders, from dining offers to discounted flight tickets.	Late payment charge: A $40 late payment charge is applicable for failing to make payment on time.
Great starter card for credit building: The $500 limit allows students to start credit building within a controlled budget.

Who is this card for

The Citi Clear Card is perfect for tertiary students looking to build an early credit profile. Its low barrier to entry and minimum age requirement make the Citi Clear Card a great option for first-time credit cardholders, but keep in mind that those below the age of 21 must obtain a parent’s or guardian’s permission to apply. In addition, those looking to get access to Citi World privileges but who do not qualify for or do not wish to commit to higher-tier credit cards will find the Citi Clear Card a great way to ‘get in’.

Compare to other cards

When it comes to its selling point as an entry-level credit card for students, the Citi Clear Card is a great contender for the exclusive deals and discounts that can be unlocked with Citi World privileges. In addition, the $500 credit limit allows young adults to get a taste of spending on credit without overreaching their budget. This card is well-suited for students and young adults who do not yet have an annual income that’s high enough to qualify for other credit cards.

Another popular credit card for students in Singapore is the DBS LiveFresh Student Credit Card, which similarly has no minimum income requirement (not to be confused with the DBS LiveFresh Card, which has a minimum annual income requirement of $30,000). Cardholders benefit from up to 5% cashback when they spend on brands like McDonalds, Starbucks and Golden Village. An additional 5% Green Cashback can be earned on public transport, making it a sensible choice for students who travel back and forth for classes daily.

Meanwhile, the OCBC Frank Credit Card has a higher barrier to entry, coming with a minimum annual income requirement of $30,000. That said, its perks are definitely more attractive. Cardholders can earn up to $100 cashback monthly, but this does come with a minimum spending requirement of $800 on contactless mobile and online transactions, making it a less friendly choice for students.

All in all, the Citi Clear Card is a good starter credit card if you foresee yourself making good use of Citi World privileges, which include discounts on RedMart, Taobao Qatar Airways, Shell, and more!

	Citi Clear Card	DBS LiveFresh Student Credit Card	OCBC Frank Credit Card
Interest rate	28%	27.8%	28.92%
Annual fee	$30.52 (first year waived)	$196.20 (first 5 years waived)	$196.20 (first 2 years waived)
Minimum annual income	No minimum income required	No minimum income required	$30,000 for Singaporeans and PRs $45,000 for foreigners
Benefits	Unlock Citi World privileges Earn 1 Thank You point with every dollar spent, which can be used to redeem rewards and offset purchases $500 credit limit with no minimum income provides a low barrier to entry for credit building	5% cashback on brands that matter the most to students, from McDonalds and Starbucks to Netflix and Spotify Additional 5% cashback on public transport services and eco-retailers $500 credit limit with no minimum income provides a low barrier to entry for credit building	8% cashback on FX transactions 8% cashback on local online and mobile contactless transactions 2% additional cashback on eco transactions Exclusive OCBC dining and travel deals
	Read More Here	Read More Here	Read More Here

Credit card application

Step 1: Start your application on SingSaver

Click on ‘Apply Now’ on this page. From there, you will be redirected to Citibank’s secure portal to start the application process.

Step 2: Fill in your personal and financial details

For faster processing, you can choose to retrieve your details with MyInfo via SingPass. There is also the option to input your details manually. Keep in mind that with MyInfo integration, some information, such as your CPF statements and IRAS Notice of Assessment (NOA), will be automatically considered, saving you the time and trouble of uploading them at a later stage.

Step 3: Upload your supporting documents

You may be asked to provide the following documents to verify your eligibility, especially if you have opted not to retrieve your details using MyInfo:

Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners)
Payslips from the past 3 months
Latest Notice of Assessment (NOA) from IRAS

Step 4: Submit your application

Once your application is submitted, it usually takes 3 to 10 business days for processing and approval. If there are problems with your application (such as if more supporting documents are required), you can expect this to take longer.

Step 5: Receive and activate your card

Once approved, your new Citi Clear Card will be mailed to your registered address. Follow the activation instructions included with your card and start spending!

Credit card application resources

Searching for the right credit card to suit your lifestyle needs? Find what you are looking for with our top recommendations:

Frequently asked questions about the Citi Clear Card

Are there annual fees for the Citi Clear Card?

expand_more

Yes, the annual fee is $30.52, which is automatically waived in the first year.

Can the annual fee for the Citi Clear Card be waived?

expand_more

Cardholders can request for a fee waiver in subsequent years, which is subject to approval.

What is the age requirement for the Citi Clear Card?

expand_more

Applicants have to be a minimum of 18 years old. Applicants below 21 will need to obtain permission from a parent or guardian before applying, who will also act as their guarantor for any outstanding balances.

What is the income requirement for the Citi Clear Card?

expand_more

There is no minimum income requirement to apply for the Citi Clear Card. However, applicants cannot be existing primary credit card holders of Citibank (supplementary cardholders are okay).