Key features

• Miles you earn will never expire

• Earn 1.2 Citi Miles on local spend and 2.2 Citi Miles on overseas spend

• Offset certain purchases with your Citi Miles

• Get up to 10 Citi Miles for select online travel bookings

• 2 complimentary visits to airport lounges worldwide annually

• 14% upfront discount on fuel from Shell

• Choose from 11 airline and hotel transfer partners

• Charge your air fare to your credit card for up to S$1 million in complimentary travel coverage*

*ends 31 March 2026

Annual interest rates & fees

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

• Supplementary annual fee: Free

• Fee waiver: N/A

• 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.

Minimum income requirement

• Monthly spend required: none

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

• Foreigner minimum income: S$42,000

• Minimum age: 21 years old

Limitations

• Some Merchant Category Codes are excluded from Citi Miles earning, such as educational institutions, religious organisations and gambling

• Transferring Citi Miles to Krisflyer miles may take as much as 5-7 days, or 14 days for Etihad Guest and Thai Airways Royal Orchid Plus

Key features

• 10X Points on online purchases, such as ride-hailing, groceries and food delivery services

• 10X Points for in-store shopping purchases at department stores, shoe stores and more

• Citibank's rewards structure of 10X Points for applicable purchases applies worldwide

• 14% fuel savings at Shell stations islandwide

• Choose from 11 airline and hotel transfer partners

• Complimentary travel coverage available when you charge your air fare to your card*

*ends 31 March 2026

Annual interest rates & fees

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

• Supplementary annual fee: S$98.10

• Fee waiver: N/A

• 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.

Minimum income requirement

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

• Foreigner minimum income: S$42,000

• Minimum age: 21 years old

Limitations

• Monthly 10X Points are capped at 9,000 Points

• Travel-related transactions are not eligible for 10X Points

Key features

• Complimentary 4th night's stay at hotels worldwide when you book your room via the Citi Prestige Concierge

• 5 ThankYouSM Points (2 miles) for overseas spend 

• 3.25 ThankYouSM Points (1.3 miles) for local spend

• Earn up to additional 30% Relationship Bonus Points on your annual card spend

• Complimentary access to more than 1,700 airport lounges worldwide

• Play complimentary games worldwide at celebrated golf courses in Singapore, Malaysia, Indonesia and China

• Airport limousine transfer services

• Exclusive dining perks at the finest restaurants

Annual interest rates & fees

• Annual principal fee: S$598 (before GST)

• Supplementary annual fee: Free

• Fee waiver: N/A

• 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.

Minimum income requirement

• Minimum annual income: S$120,000

• Age: 21 years old 

Limitations

• Earn rates are middling for overseas spend when compared to other cards in the same price range

• Minimum spend of S$12,000 needed to qualify for 2 complimentary airport limousine transfers per quarter

Key features

• 8% cashback on private commutes (e.g., Gojek, Grab and taxi rides) and petrol spend worldwide

• 6% cashback on dining and groceries spend worldwide

• 0.2% cashback on all other retail purchases

• Up to 23.64% fuel savings at Caltex, Esso and Shell stations (includes 8% cashback)

• Up to S$1 million travel coverage when you charge your air fare to your Citi Cash Back Card*

*coverage ends 31 March 2026

Annual interest rates & fees

• Annual principal fee: S$196.20

• Supplementary annual fee: S$98.10

• Fee waiver: 1st year waived

• Annual interest rate: 27.9% p.a

• Late payment fees: Rates determined by Citibank

• 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.

Minimum income requirement

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

• Foreigner minimum income: S$42,000

• Age: 21 years old 

Limitations

• You need to spend least S$800 per calendar month to unlock higher earn rates

• This will allow you to earn 6% cashback on dining and grocery spend as well as 8% on fuel and private commute spend

• Cash back earned under all categories are capped at S$80

Key features

• 1.6% cash back on all eligible spend

• Up to 3.25% cash back on eligible overseas spend until 31 December 2025

• No minimum spend needed for 1.6% cash back rewards

• Earn unlimited 1.6% cash back (no cap on cash back earned)

• Redeem cash back on-the-go via the Citi Mobile® App and SMS

• Up to S$1 million travel coverage when you charge your air fare to your Citi Cash Back+ Credit Card*

*ends 31 March 2026

Annual interest rates and fees

• Annual principal fee: S$196.20

• Supplementary annual fee: S$98.10

• Fee waiver: 1st year waived

• 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.

Minimum income requirement

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

• Foreigner minimum income: S$42,000

• Age: 21 years old 

Limitations

• 3.25% foreign currency spend promo only applies regionally and excludes US/Europe

• Complimentary travel insurance ends 31 March 2026

• You need to be to Citi Plus customer with a Citi Interest Booster Account to earn 0.4% Bonus Cash Back

Key features

• 5% savings at grocery stores and supermarkets

• 5% savings on online spend

• 5% savings on taxi rides and public commutes islandwide

• 0.3% savings on other retail spend

• Redeem SMRT$ for cash rebates or shopping vouchers via Citibank Online

Annual interest rates and fees

• Annual principal fee: S$196.20

• Supplementary annual fee: S$98.10

• Fee waiver: 1st 2 years waived

• 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.

Minimum income requirement

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

• Foreigner minimum income: S$42,000

• Age: 21 years old 

Limitations

• You will only earn 0.3% SMRT$ on your purchases if you spend less than S$500 per month

• Rewards for online transaction are not applicable for travel-related or mobile wallet transactions

• Only public commutes paid via SimplyGo are eligible for rewards

H3 Key features

• 4.7% bonus Citi M1 rebates on entertainment-related transaction (e.g., cinemas & streaming services)

• 2.7% bonus Citi M1 rebates on M1 bills

• 2.7% bonus Citi M1 Rebate on in-store purchases at M1 shops

• Citi M1 rebates never expire

• Zero activation fees for Data Passports

Annual interest rates and fees

• Annual principal fee: S$196.20

• Supplementary annual fee: S$98.10

• Fee waiver: 1st year waived

• 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.

Minimum income requirement

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

• Foreigner minimum income: S$42,000

• Age: 21 years old 

Limitations

• Monthly cap of S$60 applies for 4.7% Bonus Citi M1 rebates on eligible Entertainment spend 

• 2.7% Bonus Citi M1 rebates on M1 bills are capped at S$300

• Rewards not applicable for travel-related or mobile wallet transactions

Key features

• No minimum income requirement

• 1X ThankYouSM Point for every S$1 spend

• Exclusive dealing deals at over 1,000 eateries islandwide

• Exclusive lifestyle, fashion and travel deals online available

Annual interest rates and fees

• Annual principal fee: S$30.52

• Supplementary annual fee: N/A

• Fee waiver: 1st year waived

• Annual interest rate: 28% p.a

• Late payment fees: S$40

• Minimum monthly repayment: 1% of your current balance, outstanding amounts, all interest charges, late payment charges and upfront service fees or S$25 plus any overdue amounts, whichever is greater.

Minimum income requirement

• Singapore Citizen/PR minimum income: N/A

• Foreigner minimum income: N/A

• Age: 18 years old 

Limitations

• ITE colleges are excluded from the list of 23 approved tertiary institutions

• Existing primary Citi credit card or Ready Credit customers are not eligible for this credit card

• Travel-related or mobile wallet transactions are excluded from rewards earning

Accumulated a healthy amount of Citi Points/Miles? Read on to find out how to redeem rewards, transfer points or earn cash rebates with your stash. 

Citi Mobile® App

More than just a banking app, you can also use the Citi Mobile® App to offset purchases via Citi Pay with Points, redeem attractive rewards, transfer Points/Miles to air miles and even buy Apple products with your Citi ThankYou Points or Citi Miles.

Citi ThankYou Rewards

Claim dining, shopping or grocery vouchers with your Citi Points or Miles. Enjoy offers from Citibank's curated list of partners including Cold Storage, CS Fresh, 7-Eleven, Esso, Paradise Group and more.

Turn Citi Points or Miles into air miles

Convert your Citi Points or Miles into air miles or hotel points. Do note that an administrative fee of S$27.25 applies for each Points Transfer. Only the Citi ULTIMA Card is exempt from this fee. Here’s how Citibank’s Points Transfer works:

• 25,000 Citi Points will net you 10,000 airline miles/hotel points

• 10,000 Citi Miles will net you 10,000 airline miles/hotel points

1. Start your application on SingSaver

2. Submit required documents (if needed)

3. Receive and activate your card

4. Redeem your SingSaver rewards

Once your eligibility is confirmed by the bank, SingSaver will email you the reward redemption instructions within 8–10 weeks.