5 ThankYou Points (2 miles)

for every S$1 spent overseas

3.25 ThankYou Points (1.3 miles)

for every S$1 spent locally

Unlimited

Complimentary Airport Lounge Access

All Details

• Key Features

  • 5 Citi ThankYouSM Points (2 Miles) for every S$1 spent overseas

  • 3.25 Citi ThankYouSM Points (1.3 Miles) for every S$1 spent locally

  • Complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort

  • Eight complimentary one-way airport limousine transfers

  • Six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Rewards

Excellent

• 5 Citi ThankYouSM Points (2 Miles) for every S$1 spent overseas

• 3.25 Citi ThankYouSM Points (1.3 Miles) for every S$1 spent locally

• Complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort

• Six complimentary golf games at highly celebrated golf courses in Singapore, Malaysia, Indonesia and China

• Unlimited complimentary access to hundreds of Priority Pass airport lounges

• Airport Limousine Transfer - Explore the world and travel in style with chauffeured car service or add a limousine transfers so that every trip will feel as seamless as it is memorable

Air Miles

Excellent

• 5 Citi ThankYouSM Points (2 Miles) for every S$1 spent overseas

• 3.25 Citi ThankYouSM Points (1.3 Miles) for every S$1 spent locally

• Citi ThankYouSM Points never expire so you can accumulate them over time

• Citi ThankYou Rewards allows you to transfer miles earned to 11 airline partners, including Singapore Airlines’ Krisflyer miles program. Subject to S$27 per Points Transfer

Bill Payment

Very Good

• Citi FlexiBill - Turn your Citi Credit Card and Citibank Ready Credit card statement balance into affordable instalments with low processing fees.

• Citi PayLite - Turn big purchases into affordable instalments with low processing fees.

• Citi Pay with Points - Use your points earned to pay for any purchase

Buffet Promotion

Very Good

Petrol

Very Good

Best for: Petrol transactions at Esso and Shell

• Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively

• Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively

Annual Interest Rate and Fees

Annual Principal Fee	S$535
Supplementary Annual Fee	Free for Life
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	Determined by credit card issuer
Minimum Monthly Repayment	1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or S$15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$120,000
Non-Singaporean Minimum Income	S$120,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Citi Pay