Citi Rewards Credit Card
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- Reviews (39)
- Discussions (0)
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USER RATINGS
Speed of Approval
Ease of Fee Waiver
Customer Support
CITI Rewards Credit Card
10X Points per Dollar
ONLINE SPEND
10X Points per Dollar on Shopping
SELECTED SPEND
1 Point per Dollar
OTHER SPEND
0.4 Miles per ThankYou Point
CONVERSION
[PROMO] Get Apple AirPods Pro, Ninja OP300 Multi Cooker or S$350 cash. Valid till 30 Jan 2022. T&Cs apply. Learn more below.
CITI Rewards Credit Card
10X Points per Dollar
ONLINE SPEND
10X Points per Dollar on Shopping
SELECTED SPEND
1 Point per Dollar
OTHER SPEND
0.4 Miles per ThankYou Point
CONVERSION
[PROMO] Get Apple AirPods Pro, Ninja OP300 Multi Cooker or S$350 cash. Valid till 30 Jan 2022. T&Cs apply. Learn more below.
Details
Product Page Transparency
- Pays to access additional features
Highlights of the Citi Rewards Credit Card Review 2021
- 10X Rewards (4 miles) on online shopping and retail purchases
- 1X Reward on all other spendings
- 10X Rewards (4 miles) on rides
- 10X Rewards (4 miles) on online food delivery
- 10X Rewards (4 miles) on online groceries
- Up to 30,000 Citi ThankYou Points when you spend S$3,000 within the first 3 months
Find out about the card's complete host of benefits, charges and promotions below.
4.4
39 Reviews
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- Posted 27 Oct 2021
Purchased
CITI Rewards Credit Card
[Cashback Card] The Citibank Rewards Card is one of the more attractive credit cards in Singapore for shopaholics, offering 10X rewards points (or $1 = 4 miles) when you shop online and offline purchases! I use it for my online purchases on shopee and lazada and it is worth the application!0
What are your thoughts?Reply
- [Fee Waivers] Fee waiver was automated through a phone call, gets reflected in the app quite fast once selection is made and approved. Do note however that if you only see the reversal for the annual fee but not the GST yet, it will come in gradually. No additional steps required to waive that off.
0
What are your thoughts?Reply
- [Miles Card] [Useful For...] Online Shopping and Grab rides! 10 Reward points (equivalent to 4 miles) gained for Online Shopping (Shopee, Lazada, etc) and Grab rides and food deliveries - what's not to like, especially for the current climate and shift towards e-commerce and deliveries. [Promotions and Perks] Citi offers lots of sign-up promotions! I signed up to get an Apple Watch and I've yet to hear about it as it'll take about 1-2 months to process. But looking forward to it!
0
What are your thoughts?Reply
- 01 Jul 2021
Purchased
CITI Rewards Credit Card
[Card Hacks] Great for converting the reward points into miles. The X10 points were really easy to chalk up, and redemption/conversion is really easy. Look out for promotions, as Citibank sometimes offer special ‘X20 reward points’ in partnership with e-commerce stores like Taobao/Qoo10/Lazada which allows you to earn double the usual reward points. [Promotions and Perks] This is a pure rewards card so basically most of your spending allows you to earn points, especially for frequent online shoppers. I’ve since utilised my points for free hotel stays, converted points to miles etc. [Fee Waivers] An extremely easy and prompt process which is automated through their customer service hotline. [Bill Payment] I clear my bills using AXS app, which is really easy once you’ve saved your billing details in. [Useful For...] Online and retail shoppers who wants the option of rewards/miles, as the points can be converted to miles (with a small conversion fee).0
What are your thoughts?Reply
- 16 Jun 2021
Purchased
CITI Rewards Credit Card
[Miles Card] Great card which I use today for my online purchases and shopping. I plan to use this card for my replacement for miles rewards card. [Promotions and Perks] The promotions was really good as well. Which allowed me to get a free apple watch for this application.0
What are your thoughts?Reply
- [Miles Card] This is one of the most useful miles card for any miles chaser. Depending on one usage preference. I find this to be one of the most useful mile card. Strongly recommend for any one going for the miles game. Take note of the expiry of the points. go for the Citi PremierMiles Visa Card if one look for no expiry. [Fee Waivers] There was once i missed my payment by a day, i quickly made the payment and called the self help hotline. The wavier was almost instant. I guess it depends on how payment was regularly made and how often the card is made.
0
What are your thoughts?Reply
- [Promotions and Perks] Lazada, Qoo10 and Shopee platforms have regular vouchers with Citibank cardholders. I love using vouchers to reduce my online shopping costs. [Customer Service] There was once a fraudulent transaction on my CITI Rewards Credit Card. After knowing about it, I called Citibank and the bank immediately cancel my card and send me a new replacement card. I got the new card in less than 3 working days. Great service from Citibank.
0
What are your thoughts?Reply
- Pros: 4mpd for all online spending (except grabpay top-ups), points are rewarded fairly quickly, card design is sleek. Cons: Biggest con was that they refused to give me the sign-up bonus of 30k ThankYou points because apparently I signed up via MoneySmart so my account was tagged to the MoneySmart promo ($200 cash) and I wasn't allowed to make use of any other promos (probably my fault for not scrutinising the T&Cs, but it was a huge disappointment). Also, the $1k cap on 4mpd is pretty limiting especially when purchasing big ticket items.
0
What are your thoughts?Reply
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Exclusive Rewards
Get Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 cash
- Promotion is valid from 14 to 30 January 2022
- Promotion is applicable to new Citi cardholders only
- S$30 cash via PayNow with no min. spend
- Min. spend of S$500 on eligible goods and services within 30 days of card approval is required
- Terms and Conditions apply
- To apply, click on the "Apply Now" or "Visit Site" buttons
Citi Rewards Card Review
New to credit cards? Here's your complete guide to cashback credit cards.
Key Features and Benefits of Citi Rewards Card
These are some highlights of the Citi Rewards Card and the cashback benefits on offer.
Benefits of Citi Rewards Card | What You'll Get |
|---|---|
Shopping | 10X Rewards (4 Miles) on online and retail purchases at:
1X Reward on all other spending |
Transport | 10X Rewards (4 Miles) on rides with:
|
Dining | 10X Rewards (4 Miles) on online food delivery with:
|
Groceries | 10X Rewards (4 Miles) on online groceries with:
|
Rewards |
|
Travel Insurance | Complimentary travel insurance |
Citi Rewards Card - Benefits
Eligibility for Citi Rewards Card
To be eligible for the Citi Rewards Card, you'll have to meet the following criteria:
- Be at least 21 years old
- For Singaporeans and PRs: Minimum annual income of $30,000
- For foreigners: Minimum annual income of $42,000
Fees and Charges for Citi Rewards Card
- Annual Principle Fee: $192.60
- Annual Supplementary Card fee: $96.30
- Fee Waiver: First 2 years annual fee for Basic and two Supplementary Cards; thereafter chargeable
- Interest-Free Period: 25 days
- Annual Interest Rate: At the prevailing effective interest rate of 26.90%
- Minimum monthly payment: 1% or $50, whichever is greater
- Late payment charge: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of $100 will be levied.
- Cash advance fee: $15 or 6% of amount withdrawn, whichever is greater
- Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period.
Citi Rewards Card Promotions
- Shopee: Up to 10% off
- Zalora: 15% off with a minimum spend of S$100
- Lazada: S$8 off with a minimum spend of S$60
Terms and Conditions of Citi Rewards Card
- For 10X Points eligible transactions refers to purchases at any departmental store, retail store worldwide or shopping websites which main business activity is to sells clothes, shoes and bags
- To receive the 30,000 points transactions does not include - Equal Payment Plan (EPP) Purchases, quick cash and other instalment loans, refunded retail purchases, taxes, late payment fees and service fees
- 10X Rewards is capped at 10,000 points per statement month on eligible transactions
Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.
You can also pose questions (anonymously, if you'd prefer) on the Seedly Q&A platform.
Citibank Contact Info
- CitiPhone 24-hour banking hotline: +65 6224 5757
About Citibank
Citi Singapore established its presence in 1902, and is the city's largest foreign banking employer. In 2005, Citi incorporated its Global Consumer Banking (GCB) arm in Singapore - in what's today known as Citibank Singapore Limited. The subsidiary is wholly owned by Citigroup.
Citibank Singapore offers wealth management products and services, including investments, insurance, deposits and treasury products; credit cards and personal lines of credit, and housing loans and share financing.
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