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 Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a Suite Concert Experience
  • SingSaver Concert Giveaway promotion runs from 17 September 2025 to 30 September 2025.
  • Promotion is valid for new Citi/HSBC credit cardmembers only.
  • Apply for selected credit cards from Citi or HSBC during the promo period to receive 1x chance to win a suite concert experience to the world's hottest tour
    • Eligible applicant pool is shared across all participating providers.
  • Promotion is stackable with existing SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
SingSaver Exclusive Offer
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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 Airstrait™ straightener (worth S$799) (Top up S$100)
SingSaver Exclusive Offer
Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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 Digital Slim Submarine™ (worth S$699) (Top up S$80)
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$80)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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.
Nintendo Switch 2 (worth S$719) (Top up S$300)
SingSaver Exclusive Offer
Nintendo Switch 2 (worth S$719) (Top up S$300)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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 Airwrap™ Origin multi-styler and dryer (worth S$549)
SingSaver Exclusive Offer
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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.
Ninja SLUSHi Professional Frozen Drink Maker (worth S$499)
SingSaver Exclusive Offer
Ninja SLUSHi Professional Frozen Drink Maker (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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.
S$450 Grab Vouchers
SingSaver Exclusive Offer
S$450 Grab Vouchers
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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.
S$360 Cash via PayNow
SingSaver Exclusive Offer
S$360 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 30 September 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.
    • Some rewards will require an additional top-up to claim.
  • 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.
S$50 Bonus Cash via PayNow
SingSaver Flash Deal
S$50 Bonus Cash via PayNow
  • SingSaver Flash Deal promotion runs from 12 September 2025 to 21 September 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Be one of the first 5 customers at 2pm and 8pm every day during the flash deal period (10 total winners daily) to apply for participating Citi credit cards, then make a min. spend of S$500 within 30 days of card approval to be eligible for Flash Deal reward.
    • Flash Deal reward will be received on top of existing SingSaver Exclusive Offer.
    • Eligible applicant pool is shared across all Citi credit cards.
  • 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.

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
storefront
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

Citi Rewards Card

With 10X points (4 miles per dollar) on purchases made on online marketplaces and in-person stores, the Citi Rewards Card is ideal for shoppers.

It's a useful tool for earning Points on everyday spending with very few exclusions (e.g., travel-related purchases and mobile wallet transactions). 

You can also offset purchases with Citibank's Pay with Points through the Citi Mobile® App.

Spend Category Rewards Earned
Online purchases 10X Points
In-store purchases 10X Points
All other purchases 1X Points

 

SingSaver's Offer

Apply for the Citi Rewards Card and spend S$500 within 30 days of card approval to become eligible for the following rewards:

  • Exclusive offers:
    • Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$120)
    • Dyson Airstrait™ straightener (worth S$799) (Top up S$100)
    • Dyson Digital Slim Submarine™ (worth S$699) (Top up S$70)
    • Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80)
    • Nintendo Switch 2 (worth S$719) (Top up S$300)
    • Dyson Airwrap™ Origin multi-styler and dryer (worth S$549)
    • Xiaomi Robot Vacuum X20 Pro (worth S$579)
    • S$410 Grab Vouchers
    • S$370 Cash via PayNow

*SingSaver Exclusive Offer promotion is valid until 31 August 2025.

*Promotion is valid for new Citi credit cardmembers only.

Welcome offer comparison

Platform Maximum Reward
SingSaver Up to S$999 in value (cash, vouchers, or gifts)
Citibank Website 40,000 bonus Citi ThankYouSM Points

 

Best offer:SingSaver’s rewards of up to S$999 in value exceed Citibank’s welcome gift of 40,000 Points, which is worth roughly S$96.

 

Citi Rewards Card at a glance

 

Citi Points
4/5 Stars

  • 10X Points on online purchases, inclusive of ride-hailing, groceries and food delivery services.
  • 10X Points for in-store shopping purchases at department stores, shoe stores and more.
  • 1X Points for all other purchases.

 

Overseas spending
3.5/5 Stars

  • The same rewards structure of 10X Points for applicable purchases applies worldwide.
  • Overseas deals are available through Citi World Privileges.

Travel
4/5 Stars

  • Complimentary travel coverage available when you charge your air fare to your card*.
  • Choose from 11 airline and hotel transfer partners.

*ends 31 March 2026

Bill payment
2/5 Stars

  • Bill payments are not eligible for Rewards.
  • You cannot use Citi PayAll to earn Points by paying bills.

 

Petrol
3/5 Stars

  • Petrol spend is not eligible for 10X Points.
  • 14% upfront discount on fuel from Shell.

 

Annual interest rate and fees


Annual principal fee: S$196.20 (inclusive of GST)

Supplementary annual fee: S$98.10

Fee waiver: N/A

Interest free period: 25 days

Annual interest rate: 27.9% p.a.

Late payment fees: S$100

Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$50 plus any overdue amounts, whichever is greater.

Foreign currency transaction fee: 3.25%

Cash advance transaction fee: 8% or S$15, whichever is higher

Overlimit fee: S$40

 

Minimum income requirements


Singapore Citizen/PR minimum income: S$30,000

Foreigner minimum income: S$42,000

 

Why apply for the Citi Rewards Card

Points earning

  • 10X Points for online purchases
  • 10X Points for select in-store purchases
  • 1X Points for all other purchases

 

Additional benefits

  • Redeem flexible rewards through the Citi Mobile® App
  • Up to S$1 million travel insurance coverage underwritten by HL Assurance

 

Everyday value

  • Earn Points when you shop online and offline
  • Offset purchases with Citi Pay with Points
  • 14% fuel savings at Shell stations islandwide

 

SingSaver’s take

The Citi Rewards Card is best for online shoppers who mainly spend on groceries, ride-hailing and food delivery. It's also a good choice for shoppers that do their in-person shopping for visits at department or clothing stores. If you are able to work around the limitations of this card, it could be a great way to offset your daily spending.


Pros & cons

Pros

Cons
  • Earn Points on online and offline spending
  • Offset purchases with your hard-earned Points
  • Attractive welcome offer and SingSaver exclusives available
  • Travel insurance coverage ends 31 March 2026
  • Monthly 10X Points are capped at 9,000 Points
  • Travel-related transactions are not eligible for 10X Points

 

Card comparison

Card Miles/Rewards Annual Fee (Principal) Other Perks
Citi Rewards Card
  • 10X Points for online purchases
  • 10X Points for in-store purchases
  • 1X Points for all other purchases
 S$196.20 Flexible rewards redemption through Citi ThankYouSM Rewards
Citi PremierMiles Card
  • 1.2 Citi Miles per local dollar spent
  • 2.2 Citi Miles per foreign dollar spent
 S$196.20 2 complimentary airport lounge visits per year
UOB EVOL Card
  • 10% cashback on local spend
  • No FX Fees on foreign currency spend
  • No annual fee with 3 transactions made per month
 S$196.20  10% cashback on SimplyGo commutes

 

The Citi Rewards Card is best for those who do the bulk of their shopping online or in malls. If you don't mind juggling monthly caps and spending category exclusions, the Citi Rewards Card can be a great way to earn rewards on daily spending. 

 

Application process

  1. Click “Apply Now” on this page
  2. Complete the UOB online application form
  3. Upload NRIC and income documents
  4. Wait for approval (typically 1–2 weeks)
  5. Meet the minimum spend of S$500 within 30 days of card approval to be eligible for the reward

 

Frequently asked questions about Citi Rewards Card

What can I redeem Citi Points for?

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You can redeem cash rebates, vouchers and offset purchases with Citi Points. You also have the option of converting your Points to KrisPay miles, airline miles or hotel points.

Do Citi Points expire?

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Base Points last 5 years but Bonus Points expire monthly. Welcome gifts consisting of bonus Citi ThankYouSM Points also have a 5 year expiry date. A reminder will be sent to you 3 months prior to expiry.

Do travel bookings earn 10X Points?

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No, travel-related transactions are excluded. This includes purchases made at airlines, car rental agencies, hotel bookings and more.

Can I use mobile wallets?

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Yes, you can tie mobile wallets to your Citi Rewards Card but do note that mobile wallet transactions are not eligible for 10X Points.

Related pages

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.