Citi Rewards Card

Citi Rewards Card

Citi Rewards Credit Card is the perfect everyday card for you offering great reward points on most everyday spends coupled with a wide variety of ways to redeem those points be it offsetting your purchases with points, using your points as cash rebate or redeem it with Citi ThankYou Rewards programme. It is also the only credit card available that automatically rounds up points earned to the nearest 10 points for every purchase - with no cap.

Reward yourself with 4 miles per dollar on shopping transactions, online food delivery, online groceries, ride-hailing platforms with the Citi Rewards Credit Card. Often paired with the amaze card, you'll be able to earn 4 miles per dollar on both local and overseas spend, up to S$1,000 per statement month.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 points / dollar
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Annual Fee
S$ 196.2
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Monthly Spend Required
None
Minimum Annual Income
S$ 30,000
3 Offers Available
Get 1x chance to win a VIP Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
  • SingSaver Giveaway promotion runs from 16 April 2025, 9:00 AM SGT to 4 May 2025.
  • Promotion is valid for new applicants of American Express / Citi / HSBC / Standard Chartered credit cards or IG / Longbridge / Webull stock brokerages only.
  • Apply for participating credit card or stock brokerage products during the promo period to receive 1x chance to win a VIP Suite Concert Experience!
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
SingSaver Exclusive Offer
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson Supersonic™ hair dryer (worth S$649)
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$649)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson V12 Origin (worth S$749)
SingSaver Exclusive Offer
Dyson V12 Origin (worth S$749)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  • SingSaver Exclusive Offer promotion is valid until 4 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
  • SingSaver Exclusive promotion is valid until 1 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for a Reward Upgrade.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.

Things to consider

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Bonus air miles

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Travel insurance

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Annual Fee waiver

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High-value gift

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Benefits

Rewards Points

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Rewards Points Online Shopping
Up to 10  points / dollar
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Rewards Points Retail
Up to 10  points / dollar
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Rewards Points Online Food Delivery
1  point / dollar
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Rewards Points Grocery
1  point / dollar
local_taxi
Rewards Points Taxi Ride Sharing
1  point / dollar
dining
Rewards Points Dining
1  point / dollar
commute
Rewards Points Transport
1  point / dollar
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Rewards Points Local Spending
Up to 10  points / dollar
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Rewards Points Baseline
1  point / dollar
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Quick Facts

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10X rewards points for all online purchases except mobile wallet and travel-related transactions.

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10X rewards points for in-store shopping purchases at department stores, clothing stores and more.

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1X rewards points on all other purchases.

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Pair with amaze card to turn offline transactions into online transactions.

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No cap on base rewards points.

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Rewards points conversion rate: 440 Points = S$1

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Rewards points are rounded down to the nearest 10 points on all purchases.

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Use Citi PayAll to earn ThankYou PointSM when you pay your bills with your Citi Rewards Card.

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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.

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Read our full review of the Citi Rewards Card

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Bonus rewards points capped at 9,000 points per statement month

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 25
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Repayment

Minimum Payment
1  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.9  %
Interest on Cash Advance
27.9  %
Interest Free Period
25  Days
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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Citi Rewards Card Citi Rewards Card

Read SingSaver’s full review of the Citi Rewards Credit Card


Pros & cons

Pros

Cons

  • Earn 4 miles per $1 on eligible retail and online spend

  • 40,000 bonus points for new cardholders (16,000 miles)

  • Flexible redemption options (travel, miles, gifts)

  • First-year annual fee waiver

  • Bonus earn capped at 9,000 Points/month ($1,000 spend)

  • Excludes mobile wallet & travel-related transactions

  • Annual fee applies from year 2

  • Redemption conversion fee for air miles

 

Who is this card for?

  • The Citi Rewards Credit Card is well-suited for a variety of users, especially those who spend frequently in key retail and online categories. It’s ideal for frequent online shoppers who regularly make purchases on platforms like Lazada, Shopee, Amazon.sg, or use food delivery services—earning 4 miles per $1 on eligible spend. Retail shoppers who prefer in-store experiences at department stores or fashion outlets also benefit from 10X points on qualifying purchases. 

  • For avid travellers, this card offers competitive earn rates and the flexibility to convert points to air miles with multiple transfer partners. New cardholders can look forward to a welcome bonus of 40,000 Citi ThankYou Points (equivalent to 16,000 miles) after spending just $800 in the first two months. Finally, value seekers will appreciate the wide array of redemption options, including travel, cash rebates, and merchandise.


Compare to other cards

The Citi Rewards Credit Card is perfect for everyday spenders, especially those who shop online or at retail outlets. It offers 10X points (≈4 miles per $1) on eligible purchases, a higher rate than most cashback cards like DBS Live Fresh and HSBC Revolution.

While DBS offers 5% cashback and HSBC targets entertainment and dining, Citi Rewards gives more versatility and value, especially for shoppers interested in travel rewards.

Citi's biggest edge is flexibility. ThankYou Points can be transferred to multiple airline partners—unlike cashback, which can’t be converted into miles. Plus, the 40,000-point welcome bonus (worth 16,000 miles) after just $800 spend is a standout.

If you’re someone who prefers earning miles passively through daily spend, this card gives you both practicality now and travel rewards later—no lifestyle changes required.

Citi Rewards

Earn Rate

  • 10X Points (≈ 4 miles/$1) on online & retail

Cap

  • 9,000 pts/month (≈ $1,000 spend)

Annual Fee 

  • $196.20 (waived 1st yr)

Min Income 

  • $30,000 (SG/PR), $42,000 (foreigners)

Interest Rate

  • 27.9% 

Benefits

  • Flexible redemption (travel, cash, vouchers)
  • 40,000 bonus points
  • complimentary travel insurance
  • points-to-miles transfer

 

HSBC Revolution

Earn Rate

  • 10X Points on online, dining, entertainment

Cap

  • 9,000 pts/month

Annual Fee 

  • $196.20 (waived 1st yr)

Min Income 

  • $30,000 (SG/PR), $40,000 (foreigners

Interest Rate

  • 26.9% 

Benefits

  • Instant rewards redemption
  • wide bonus categories
  • compatibility with HSBC Reward+ app

 

DBS Live Fresh

Earn Rate

  • 5% cashback on online/contactless + 0.3% base

Cap

  • $20 cashback/category/month

Annual Fee 

  • $196.20 (waived 1st yr)

Min Income 

  • $30,000 (SG/PR), $45,000 (foreigners)

Interest Rate

  • 27.8%

Benefits

  • Eco-friendly “Green Cashback”
  • Fresh Deals (entertainment, dining)
  • no miles conversion fee

Credit card application

Step 1: Start your application on SingSaver

Click “Apply Now” and enter your email to receive exclusive rewards. You’ll then be redirected to Citibank’s official application portal.

Step 2: Login with MyInfo

Use your SingPass to pre-fill your personal and income details.

Step 3: Submit required documents

These may include:

  • Latest payslip or CPF contribution history

  • Income Tax Notice of Assessment (NOA)

  • Proof of address (for foreigners)

Step 4: Activate your card

Once approved, your card will be delivered by mail. Activate it using the Citibank SG app.

Step 5: Redeem your SingSaver rewards

After you’ve spent the required $800, follow instructions in the SingSaver email to redeem your gift.

Credit card application resources

Looking for the best card? Check out these guides:

Frequently Asked Questions about the Citi Rewards Credit Card

Are there annual fees?

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Yes, the annual fee is $196.20 (inclusive of GST). However, the first year’s fee is waived for new cardholders. From the second year onwards, the fee applies annually unless a waiver is granted based on usage or promotions.

What is the income requirement?

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To qualify, the minimum annual income is:

  • $30,000 for Singaporeans and Permanent Residents
  • $42,000 for foreigners residing in Singapore

What is the mile per dollar or cashback offered?

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You’ll earn:

  • 10X Citi ThankYou Points (equivalent to 4 miles per $1) on eligible online and in-store retail purchases
  • 1X Point per $1 on all other eligible spend

Note: Bonus points are capped at 9,000 per statement month.

Are there extra perks?

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Yes! Benefits include:

  • Flexible redemption options for miles, cashback, or shopping rewards
  • Complimentary travel insurance (when airfare is charged to the card)
  • Access to Citi World Privileges for exclusive deals
  • A generous welcome bonus of up to 40,000 points (≈16,000 miles) with minimum spend

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