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 that shop at fashion stores and online stores, that allows them to earn a constant stream of rewards points. Redeeming these rewards points are also extremely flexible, allowing users to redeem a number of things from flyer miles, vouchers, the ability to pay with points, and more.
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 that mainly sells 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, 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$194.40 (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 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 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$194.40 (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
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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 that shop at fashion stores and online stores, that allows them to earn a constant stream of rewards points. Redeeming these rewards points are also extremely flexible, allowing users to redeem a number of things from flyer miles, vouchers, the ability to pay with points, and more.
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 that mainly sells 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, 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$194.40 (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 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 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$194.40 (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
4.4
55 Reviews
Service Rating
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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 points0
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 exclusions2
What are your thoughts?Reply
Save
View 1 repliesPosted 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 mile0
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 provided1
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
Reply
Save
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?
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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.
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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.
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.