facebookCiti Rewards Credit Card Ratings Jun 2024

Citi Rewards Credit Card

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Summary

Citi Rewards Credit Card

The Citi Rewards Credit Card is a card made for the fashionable and tech-savvy shoppers who shop at fashion stores and online stores, that allows them to earn a constant stream of rewards points. Redeeming these rewards points is also extremely flexible, allowing users to redeem several things from flyer miles, vouchers, the ability to pay with points, and more.

SingSaver x Citi Euro Summer Kickoff Lucky Draw: Receive 1x chance to win 120,000 Max Miles (equivalent to 1 Pair of Economy Class Return-Trip Tickets to Anywhere in Europe)

  • Promotion is valid for new Citi credit cardmembers only
  • Apply for participating Citi credit cards and receive card approval to receive 1x chance in the Lucky Draw

5 winners per week (10 winners total) will each receive 120,000 Max Miles (equivalent to 1 Pair of Economy Class Return-Trip Tickets to Anywhere in Europe)

Faster Reward Fulfilment: Receive the Lucky Draw prize in as little as 6 weeks!

  • Promotion is stackable with existing SingSaver Exclusive Offer
  • SingSaver x Citi CC Euro Summer Kickoff Lucky Draw runs from 10 June 2024, 9:00 AM SGT to 23 June 2024
  • Terms and Conditions apply

SingSaver Rewards Upgrade Campaign: Receive premium rewards worth up to S$2,128; or Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or Apple iPhone 15 Pro 128GB (worth S$1,664.25); or Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

  • 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$1,200 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599)

S$1,200 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25)

S$1,786 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 30 June 2024
  • More information about the Rewards Upgrade here
  • Terms and Conditions apply

SingSaver Exclusive Promotion: Receive a Sony HT-AX7 Portable Theatre System (worth S$769) or Dyson Supersonic™ hair dryer (worth S$699) or Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow

  • 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
  • Promotion is valid until 30 June 2024
  • Terms and Conditions apply

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 10X Points for eligible purchases
  • 1X Point for all other purchases
  • Flexible rewards redemption through Citi ThankYou Rewards
  • Complimentary travel insurance when airfare is charged to this card
  • Citi World deals and discounts locally and in over 90 other countries

2) Benefits

Points
  • 10X Points for most online purchases, except for mobile wallet and travel-related transactions
  • 10X Points for in-store shopping purchases, at any store mainly selling shoes, bags and clothes.
Citibank Promotions & Privileges
  • Citi World Privileges allows you to enjoy deals and discounts locally and in over 90 countries, from travel, and dining to shopping.
  • Citibank Gourmet Pleasures gets you the best dining deals at over 1,000 locations across Singapore.
  • Online Shopping Deals give you offers and promotions with your favourite online brands such as Shopee and Lazada, year-round.

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$42,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST) 
  • Supplementary card annual fee: S$97.20
  • Late payment fees: S$100
  • Repayment grace period: Depends on monthly credit card statement
  • Minimum monthly payment:
  • If Current Balance is S$0 to =S$50
  • The minimum payment is the Current Balance
  • If Current Balance is >=S$50
  • The minimum payment amount is specified in your statement of account and is computed by taking a greater of – 
  • (a) (i) 1% of the current balance; plus 
  • (ii) 1% of any outstanding unbilled instalment amounts; plus 
  • (iii) all interest charges (including interest charged under our instalment plans); plus 
  • (iv) all upfront service fees for our instalment plans; plus 
  • (v) late payment charges; or 
  • (b) S$50;
  • plus any overdue amounts. 
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period. 

Frequently Asked Questions

Can you enjoy annual fee waiver for the CITI Rewards Credit Card?

  • Yes, the annual fee for the CITI Rewards Credit Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the CITI Rewards Credit Card?

  • Frequent shoppers who regularly purchase items in the fashion and apparel category
  • Online shoppers looking to enjoy Rewards points on their purchases

What is the minimum income requirement for the CITI Rewards Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$42,000
...see more

Popular Products

Summary

Citi Rewards Credit Card

The Citi Rewards Credit Card is a card made for the fashionable and tech-savvy shoppers who shop at fashion stores and online stores, that allows them to earn a constant stream of rewards points. Redeeming these rewards points is also extremely flexible, allowing users to redeem several things from flyer miles, vouchers, the ability to pay with points, and more.

SingSaver x Citi Euro Summer Kickoff Lucky Draw: Receive 1x chance to win 120,000 Max Miles (equivalent to 1 Pair of Economy Class Return-Trip Tickets to Anywhere in Europe)

  • Promotion is valid for new Citi credit cardmembers only
  • Apply for participating Citi credit cards and receive card approval to receive 1x chance in the Lucky Draw

5 winners per week (10 winners total) will each receive 120,000 Max Miles (equivalent to 1 Pair of Economy Class Return-Trip Tickets to Anywhere in Europe)

Faster Reward Fulfilment: Receive the Lucky Draw prize in as little as 6 weeks!

  • Promotion is stackable with existing SingSaver Exclusive Offer
  • SingSaver x Citi CC Euro Summer Kickoff Lucky Draw runs from 10 June 2024, 9:00 AM SGT to 23 June 2024
  • Terms and Conditions apply

SingSaver Rewards Upgrade Campaign: Receive premium rewards worth up to S$2,128; or Apple Macbook Air 256GB 13 inch (M3 chip) (worth S$1,599); or Apple iPhone 15 Pro 128GB (worth S$1,664.25); or Samsung Galaxy S24 Ultra Titanium Gray 12+512GB (worth S$2,128)

  • 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$1,200 top up – Apple Macbook Air M3 13" 256GB (worth S$1,599)

S$1,200 top up – Apple iPhone 15 Pro 128GB (worth S$1,664.25)

S$1,786 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 30 June 2024
  • More information about the Rewards Upgrade here
  • Terms and Conditions apply

SingSaver Exclusive Promotion: Receive a Sony HT-AX7 Portable Theatre System (worth S$769) or Dyson Supersonic™ hair dryer (worth S$699) or Apple iPad 10th Gen 10.9" WiFi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow

  • 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
  • Promotion is valid until 30 June 2024
  • Terms and Conditions apply

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • 10X Points for eligible purchases
  • 1X Point for all other purchases
  • Flexible rewards redemption through Citi ThankYou Rewards
  • Complimentary travel insurance when airfare is charged to this card
  • Citi World deals and discounts locally and in over 90 other countries

2) Benefits

Points
  • 10X Points for most online purchases, except for mobile wallet and travel-related transactions
  • 10X Points for in-store shopping purchases, at any store mainly selling shoes, bags and clothes.
Citibank Promotions & Privileges
  • Citi World Privileges allows you to enjoy deals and discounts locally and in over 90 countries, from travel, and dining to shopping.
  • Citibank Gourmet Pleasures gets you the best dining deals at over 1,000 locations across Singapore.
  • Online Shopping Deals give you offers and promotions with your favourite online brands such as Shopee and Lazada, year-round.

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$42,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST) 
  • Supplementary card annual fee: S$97.20
  • Late payment fees: S$100
  • Repayment grace period: Depends on monthly credit card statement
  • Minimum monthly payment:
  • If Current Balance is S$0 to =S$50
  • The minimum payment is the Current Balance
  • If Current Balance is >=S$50
  • The minimum payment amount is specified in your statement of account and is computed by taking a greater of – 
  • (a) (i) 1% of the current balance; plus 
  • (ii) 1% of any outstanding unbilled instalment amounts; plus 
  • (iii) all interest charges (including interest charged under our instalment plans); plus 
  • (iv) all upfront service fees for our instalment plans; plus 
  • (v) late payment charges; or 
  • (b) S$50;
  • plus any overdue amounts. 
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period. 

Frequently Asked Questions

Can you enjoy annual fee waiver for the CITI Rewards Credit Card?

  • Yes, the annual fee for the CITI Rewards Credit Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the CITI Rewards Credit Card?

  • Frequent shoppers who regularly purchase items in the fashion and apparel category
  • Online shoppers looking to enjoy Rewards points on their purchases

What is the minimum income requirement for the CITI Rewards Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$42,000
...see more

Citi Rewards Card

2.27% cashback in local, dining, and retail
CASHBACK
1x reward point per dollar on all other spending
ALL SPEND
10x rewards points per dollar on online spending
ONLINE SPEND

Citi Rewards Card

2.27% cashback in local, dining, and retail

CASHBACK

1x reward point per dollar on all other spending

ALL SPEND

10x rewards points per dollar on online spending

ONLINE SPEND

đź“Ł SIGN-UP BONUS

Score a Sony HT-AX7 or Dyson Supersonic™ hair dryer or Apple iPad 10th Gen or S$450 eCapitaVoucher or S$300 cash. Top up extra cash to receive a reward upgrade worth up to S$2,128!

Valid till 30 Jun 2024. T&Cs apply.

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Reviews (55)

4.4

55 Reviews

5
36
4
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3
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1
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Service Rating

Speed of Approval

4.5

Ease of Fee Waiver

4.4

Customer Support

4.3

      Posted 22 Aug 2023

      Purchased

      CITI Rewards Credit Card

      [Miles Card] Fantastic miles card especially when used with Amaze. Loving it so far and the app is really good for tracking the points earned. Been using this for about a year and just collected my first flight on it!

      0

      What are your thoughts?

      Posted 03 Aug 2023

      Purchased

      CITI Rewards Credit Card

      [Promotions and Perks] [Miles Card] Been using this card for a long time, this card straightforward earning 4mpd for any online purchases.

      0

      What are your thoughts?

      Posted 31 May 2023

      Purchased

      CITI Rewards Credit Card

      Other than for travel, this is a pretty versatile card for online transactions. Unlike other reward cards which may credit their points in the subsequent month end, the Citipoints are credited to our account within 2-3 days. if you like, you can use the points to offset your bill partially. Citi also has pretty attractive signup bonuses, so definitely worth a look! Note: citi doesn't allow you to customize your card to your preferred name, seems like they are the only bank who does that though.

      0

      What are your thoughts?

      Posted 19 May 2023

      Purchased

      CITI Rewards Credit Card

      Got this as my first-ever credit card as I wanted to participate in the miles game! It has been working well for me so far as I pair it with Amaze which allows me to earn 4mpd on most of my expenditure. Although i got it to accrue miles, I would think its a very versatile card as I can opt for cashback at a rate of 2.3%~ (assuming $1 spent = 10 pointsinstead if I wanted to cash out my points

      0

      What are your thoughts?

      Posted 10 Apr 2023

      Purchased

      CITI Rewards Credit Card

      Pairing with Instarem Amaze card makes CRMC an S tier miles card because you can earn 4 mpd on basically anything except for travel spend and the other usual exclusions

      2

      What are your thoughts?

      How does pairing it with amaze card turn offline spending to online? Does it work the same way if I pay amaze with DBS women world card? Thanks in advance.

      View 1 replies

      Posted 17 Jan 2023

      Purchased

      CITI Rewards Credit Card

      This credit card card is excellent for someone looking to collect miles when it is paired with Instarem.

      0

      What are your thoughts?

      Posted 27 Nov 2022

      Purchased

      CITI Rewards Credit Card

      Easy to use, combine this card with Instarem Amaze to convert all offline eligible spending to online!

      0

      What are your thoughts?

      Posted 18 Jul 2022

      Purchased

      CITI Rewards Credit Card

      [Fee Waivers Simple and easy [Customer Service Friendly and helpful [Miles Card Able to convert point to mile

      0

      What are your thoughts?

      Posted 13 Mar 2022

      Purchased

      CITI Rewards Credit Card

      Great 4mpd card for retail spends and online spends (excluding travel).. very easy to track points, breakdown is provided

      1

      What are your thoughts?

      Benedict Lau

      29 Jul 2022

      Student Ambassador 20/21 at Seedly

      How do you track the points? Is there an app or via monthly statement? Thanks

      Posted 14 Nov 2021

      Purchased

      CITI Rewards Credit Card

      It is one of the great card to own it as the rewards system makes me spend even more. As i spend more for shopping, the rewards allows me to earned more at the same time.

      0

      What are your thoughts?

    Discussions (0)

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      Popular Products

      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:

      • Lazada
      • Qoo10
      • TANGS

      1X Reward on all other spending

      Transport

      10X Rewards (4 Miles) on rides with:

      • Grab
      • ComfortDelGro
      • Gojek

      Dining

      10X Rewards (4 Miles) on online food delivery with:

      • GrabFood
      • Deliveroo
      • Foodpanda

      Groceries

      10X Rewards (4 Miles) on online groceries with:

      • Amazon Prime Now
      • Fairprice On
      • Redmart

      Rewards

      • Freedom of reward redemption with Citi ThankYou Rewards
      • Use points for any purchase
      • Deals and discounts locally and in 95 other countries
      • Convert your retail balance into instalments

      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: $196.20
      • 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.