Citi M1 Platinum Visa Card

Enjoy exceptional cashback, rewards, and exclusive M1 perks, all while staying effortlessly connected in the digital age with the Citibank M1 Platinum Visa. Earn Citi M1 Rebates to offset your M1 bill or convert them to KrisFlyer miles.

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Card benefit

% cashback

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Earn up to 10% cashback with a total spend of at least S$600 per statement month, along with a 0.3% Citi Rebate on all local retail purchases. Note that 1 Citi Rebate equals 1 SGD.

Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Min. Annual Income

S$ 30,000

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Highlights

Card benefit

% cashback

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Earn up to 10% cashback with a total spend of at least S$600 per statement month, along with a 0.3% Citi Rebate on all local retail purchases. Note that 1 Citi Rebate equals 1 SGD.

Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Min. 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

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.

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.

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 when choosing this card:

Things to consider

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Retail rebate

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No expiry air miles

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Monthly spend required

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate

0.3 %

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0.3% Citi Rebate on All Local Retual Purchases. 1 Citi Rebate = 1 SGD

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Cashback Local

0.3 %

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0.3% Citi Rebate on All Local Retual Purchases. 1 Citi Rebate = 1 SGD

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Cashback Overseas

0.3 %

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0.3% Citi Rebate on All Local Retual Purchases. 1 Citi Rebate = 1 SGD

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Cashback M1 Telco Bill Spending

2.7 %

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Capped at first S$300 worth of M1 Telco Bill Charges

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Quick Facts

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Earn up to 4.7% Citi M1 rebate on eligible Entertainment spend and 2.7% Citi M1 rebate on M1 Telco Bill spending.

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Enjoy up to 2.7% Citi M1 Rebate on purchases at M1 stores.

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Citi M1 rebate does not expire.

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0.3% cash rebate on eligible retail purchases.

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Eligibility

Minimum Age

21 years old

Min. 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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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% withdrawn, whichever is higher.

Air Miles Conversion Fee

S$ 25

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Excluding GST

Repayment

Minimum Payment

1 %

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

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.9 %

Interest on Cash Advance

27.9 %

Interest Free Period

25 days

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Others

Association

VISA

Citi M1 Platinum Visa Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

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