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.


If you are looking for a versatile card, look no further than the Citi Rewards Card - and you can even enjoy a generous sign-on bonus of 40,000 Citi ThankYou Points.
layers

Highlights

Rewards Points Online Shopping
10  points per dollar
Rewards Points Retail
10  points per dollar
info
Rewards Points Online Food Delivery
10  points per dollar
Rewards Points Taxi Ride Sharing
10  points per dollar
info
2 Offers Available
Receive premium rewards worth up to S$2,128
Rewards Upgrade Campaign
Receive premium rewards worth up to S$2,128

+ 3 other gift options

  • 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, then top up an additional amount to be eligible for reward:
    • S$999 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599)
    • S$999 top up Apple iPhone 15 Pro 128GB (worth S$1,664.25)
    • S$1,488 top up Samsung Galaxy S24 Ultra Titanium 12+512GB (worth S$2,128)
  • Reward Upgrade will replace SingSaver Exclusive promotional reward
  • Promotion is valid until 2 June 2024
  • More information about the Rewards Upgrade here
  • Terms and Conditions apply
Sony HT-AX7 Portable Theatre System (worth S$769)
SingSaver Exclusive Offer
Sony HT-AX7 Portable Theatre System (worth S$769)
  • 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 rewards
  • Promotion is valid until 2 June 2024
  • Terms and Conditions apply
Dyson Supersonic™ hair dryer (worth S$699)
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$699)
  • 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 rewards
  • Promotion is valid until 2 June 2024
  • Terms and Conditions apply
Apple iPad 9th Gen 10.2
SingSaver Exclusive Offer
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30)
  • 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 rewards
  • Promotion is valid until 2 June 2024
  • Terms and Conditions apply
S$350 eCapitaVoucher
SingSaver Exclusive Offer
S$350 eCapitaVoucher
  • 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 rewards
  • Promotion is valid until 2 June 2024
  • Terms and Conditions apply
S$300 cash via PayNow
SingSaver Exclusive Offer
S$300 cash via PayNow
  • 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 rewards
  • Promotion is valid until 2 June 2024
  • Terms and Conditions apply

Things to consider

check

Bonus air miles

check

Travel insurance

check

Annual Fee waiver

check

High-value gift

sentiment_satisfied

Benefits

Cashback

credit_card
Cashback Base Rate
0.23  %
info
location_on
Cashback Local
2.27  %
info
flight
Cashback Overseas
0.23  %
info
restaurant
Cashback Dining
2.27  %
info
sell
Cashback Retail
2.27  %
info
shopping_bag
Cashback Local Online Shopping
2.27  %
info
domain
Cashback Department Store
2.27  %
info
commute
Cashback Transport
2.27  %
info

AirMiles

credit_card
Airmiles Base Rate
0.4  miles per dollar
location_on
Airmiles Local
4  miles per dollar
info
flight
Airmiles Overseas
0.4  miles per dollar
sell
Airmiles Retail
4  miles per dollar
info
restaurant
Airmiles Dining
4  miles per dollar
info
shopping_bag
Airmiles Local Online Shopping
4  miles per dollar
domain
Airmiles Department Store
4  miles per dollar
info
commute
Airmiles Transport
4  miles per dollar
info
shift_lock
Airmiles Bonus Cap
4,000  miles
info
sports_score

Quick Facts

check_circle

10X rewards points (4 miles per S$1) on online spending except travel and mobile wallet-related transactions.

check_circle

Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries and more.

check_circle

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

check_circle

10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.

check_circle

Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.

check_circle

1X reward point for every S$1 on all other spending.

check_circle

No min. spend required.

check_circle

Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles.

check_circle

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

check_circle

Sign Up Bonus of 40,000 Citi ThankYou Points.

check_circle

Read our full review of the Citi Rewards Card.

help

10X rewards are capped at 10,000 points per statement month i.e. S$1,000 spent.

help

10X rewards excludes travel purchases online and non-fashion purchases offline.

lightbulb

Guides

rule_folder

Eligibility

Eligibility

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

Fees / Repayment

Fees

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

Repayment

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

Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Citi Rewards Card Citi Rewards Card

Frequently Asked Questions

How do I get the Citi Rewards Card?

expand_more

To get the Citi Rewards Card, click on the "Apply Now" button on this page to begin your application process!

Next, follow these steps carefully to ensure eligibility for your sign-up reward:

1. Complete and submit the product application through SingSaver's website. Ensure that your last click before reaching the product application form was through a SingSaver channel (on the website or via an advertisement).

2. Submit the Rewards Redemption Form within 14 days of your credit card application.

3. Fulfill all other promotional requirements stated in each promotion's terms and conditions. Additional criteria include activating the approved credit card within 1 month from the approval date and making the first spend on the credit card within the same timeframe.

4. Meet any other qualifying criteria set for the specific promotional period. For example, spending a minimum sum within the qualifying period.

5. After meeting these conditions, SingSaver will send you an email notifying you of your eligibility for rewards. Remember to check your spam or junk folders to ensure you don't miss any communication from SingSaver.

What benefits does the Citi Rewards Card have?

expand_more

Besides its 10X Points (4 mpd) earn rate on in-store shopping and online purchases (e.g. grocery, food delivery, ride-hailing apps, etc.), there are loads of other benefits offered by the Citi Rewards Card:

  • Check back to our exclusive SingSaver sign-up promotions frequently for any gifts you might've been eyeing recently.

  • Redeem your Citi ThankYou Points for rewards via the Citi Mobile app.
    • Rewards Dashboard > Points > Redemption Catalogue 

How much are Citi ThankYou Points worth?

expand_more

There are 3 methods to redeem your Citi ThankYou Points, all of which can be accessed via the Citi Mobile app:

  • Pay with Points
    • Rewards Dashboard > Points > Pay with Points
  • Cash Rebate
    • Rewards Dashboard > Points > Cash Rebate
  • Citi ThankYou Rewards


Pay with Points

440 Citi ThankYou Points = S$1


Cash Rebate
Tap on rewards balance on the top fold of the screen to open the Rewards Dashboard. Next, tap on "Cash Rebate" to key in any preferred cash amount you wish to redeem.

Citi ThankYou Rewards
Shop & and redeem from a broad range of merchandise across many brands, gift vouchers, and more. Simply access the Redemption Catalogue via the Citi Mobile app to start shopping! 

Is the Citi Rewards Card a good miles credit card?

expand_more

Overall, the Citi Rewards Card is a great miles card option for those looking to earn fuss-free miles at an accelerated 4 mpd rate.

As long as your purchase is an eligible online or in-person shopping transaction, you'll earn 4 mpd on your spend. Remember to verify the MCC eligibility in the card's T&Cs if you're unsure!

💡 Pro-tip: We also recommend linking the Citi Rewards Card to the Instarem amaze Card to earn additional rebate! The Instarem amaze Card automatically converts eligible offline expenses into online transactions, thus effectively allowing you to earn both Citi ThankYou Points and Instarem points concurrently on eligible spend!

This is especially useful for overseas travel since the Instarem amaze Card is a popular multi-currency card.  

You can read more digital multi-currency comparisons in our article here.