Best Citibank Credit Cards in Singapore 2026 Comparison
Only at MoneySmart: Get S$380 Cash when you apply for select Citibank Credit Cards. Compare the best Singapore credit cards for cashback, dining, air miles, and shopping here.
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We found 8 Citibank credit cards for you!
FASTER REWARD FULFILMENT | EARN CITI MILES
APPLY NOW for Citi PremierMiles Card
on Citibank's secure site
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
APPLY NOW for Citi Cash Back+ Card
on Citibank's secure site
FASTER REWARD FULFILMENT | 10X POINTS FOR SPENDS
APPLY NOW for Citi Rewards Card
on Citibank's secure site
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FASTER REWARD FULFILMENT | EARN UP TO 5% SMRT$
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APPLY NOW for Citi SMRT Card
on Citibank's secure site
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK
APPLY NOW for Citi Cash Back Card
on Citibank's secure site
Earn Rebates at M1 | FASTER FULFILMENT
APPLY NOW for Citi M1 Credit Card
on Citibank's secure site
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BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Citibank Credit Cards at a Glance (2026 Edition)
| Credit card | Key benefits | Annual fee |
|---|---|---|
| Credit cardCiti PremierMiles Card | Key benefits1.2 miles per $1 on eligible local spend 2 miles per $1 on eligible foreign currency spend Citi Miles never expire Ideal for frequent travellers | Annual fee$196.20 (1st year waived) |
| Credit cardCiti Rewards Card | Key benefits10X Rewards Points (4 miles per $1) on eligible online transactions in shopping, Grab, dining, and more Ideal for online shoppers | Annual fee$196.20 (1st year waived) |
| Credit cardCiti Cash Back+ Card | Key benefitsUnlimited 1.6% cashback on all eligible spend with no minimum spend, no cashback Ideal for everyday spenders | Annual fee$196.20 (1st year waived) |
| Credit cardCiti Cash Back Card | Key benefitsUp to 8% cashback on eligible dining, groceries, and petrol Ideal for families and essentials | Annual fee$196.20 (1st year waived) |
| Credit cardCiti SMRT Card | Key benefitsUp to 5% SMRT$ savings on eligible groceries, Malaysian Ringgit, daily transport, and online purchases Ideal for commuters and tertiary students | Annual fee$196.20 (2 years waived) |
| Credit cardCiti M1 Card | Key benefitsUp to 10% rebate on M1 bills Ideal for telco users | Annual fee$196.20 |
| Credit cardCiti Prestige Card | Key benefits1.3 miles per $1 on eligible local spend 2 miles per $1 on eligible foreign currency spend Complimentary airport lounge access, limo transfers, and free 4th night hotel stay Ideal for premium travellers | Annual fee$535 |
Citibank Credit Card Reviews & User Ratings
You’ve just seen how Citi’s cards stack up on features, fees, and current offers. Here, you’ll get real user ratings and MoneySmart’s expert verdicts on each Citibank credit card in Singapore—including who each card is best for and what stands out (or not) this year.
👉 Overall, Citi cards are praised for strong rewards structures but users highlight annual fees and caps as things to watch.
👉 Overall, Citi cards are praised for strong rewards structures but users highlight annual fees and caps as things to watch.
⭐⭐⭐⭐⭐
Citi PremierMiles Card
Great for travellers, miles accumulate fast.
⭐⭐⭐⭐
Citi Cash Back+ Card
Simple cashback, no cap or minimum spend per month. Annual fee noted as a downside given its relatively low cashback.
⭐⭐⭐⭐
Citi Cash Back Card
Good for families, but minimum $800 spend per month can be restrictive depending if it's challenging to hit or not.
⭐⭐⭐⭐
Citi Prestige Card
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Good premium travel proposition and perks, but high $120,000 annual income requirement. Users have cited that supposed 24/7 concierge services are not as reliable or consistent as claimed.
Swipe Smart, Earn Smarter
Citi card promotions await you here. Compare your best MoneySmart Exclusive sign-up reward options with us now!
Bring Home The Bigger Gifts You Want & Need With SmartPoints
Get rewarded with SmartPoints when you apply for selected credit cards through MoneySmart. If you don’t need a Dyson hair dryer or vacuum cleaner, you can get the gift that you really want at our Rewards Store, whether it's the latest Apple and Sony gadgets or Amazon vouchers and beyond!
2 Ways To Earn SmartPoints
#1: Apply for financial products
Compare and apply for financial products to earn a massive amount of SmartPoints—as much as 5,100! Currently, you can earn SmartPoints on selected Citibank, Standard Chartered, OCBC, and HSBC credit cards, with more products to be included soon.
#2: Top-up your SmartPoints for bigger gifts
Not enough SmartPoints to redeem a specific reward? Don’t fret! Simply purchase additional SmartPoints from our store, and you’ll be able to redeem any reward you want.
With SmartRewards, you can earn SmartPoints and choose any gift from our Rewards store.
Imagine this: you earn 5,040 SmartPoints by signing up for a financial product. Now, an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) might set you back over $500 elsewhere. But with your SmartPoints, you only need to add 1,100 SmartPoints more. So, it’s like getting a sleek new iPad for just $110. Who doesn’t love a good deal?
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
Citibank Credit Card Redemption Guide
Before you apply for your Citi credit card, it's pertinent to keep these tips in mind:
Always check minimum spend requirements to unlock bonuses, especially for cashback cards.
Redeem Citi Rewards Points for miles to get the best value.
- Citibank offers multiple ways to redeem your ThankYou Points or Rewards points–cash rebates, rewards catalogue, and air miles are the main categories.
- Cash rebates: Redeem in blocks of $10, $20, $50 where for instance, 4,200 Citi Miles/Dollar = $10 cash rebate.
- Rewards catalogue: Exchange points for merchandise, vouchers, travel bookings, or discounts through Citi's extensive catalogue.
- Air miles: Convert rewards points to miles where 5 Citi ThankYou Points = 2 frequent flyer miles. Do note however, a $25 + GST admin fee per transfer usually applies. Hence, the best practice is to accumulate more points to maximise your value before converting the lump sum into miles.
Citibank Credit Card Support, Overseas Use & Cancellation (SG)
Need help with your Citibank credit card? Here’s how:
🤝 Support channels
Citi Hotline: 6225 5225 (24/7)
Expect a reply within 2 business days, and resolution to be sorted within 14 business days. Request for a manager or Customer Experience Unit if needed.
Expect a reply within 2 business days, and resolution to be sorted within 14 business days. Request for a manager or Customer Experience Unit if needed.
🗺️ Overseas activation
By default, new Citi credit cards are not activated for overseas usage. You have to activate it via SMS, Citi Mobile® App, or Citibank Online Banking before travelling.
Do note regardless, overseas transaction charges (e.g. 3.25%) will be incurred too per payment in foreign currency.
Do note regardless, overseas transaction charges (e.g. 3.25%) will be incurred too per payment in foreign currency.
🚫 Cancellation guide
- Ensure all card balances are cleared.
- Log in via Citi Mobile® App or Citibank Internet Banking.
- Submit your cancellation request through your chosen channel.
- Ensure to always redeem your rewards points or miles before card cancellation, as unused points or miles will be forfeited.
MoneySmart Customer Reviews on Credit Cards
Thinking of applying for a credit card soon? Check what our customers has to say about their experience! (As seen on Google Reviews)
Citibank Credit Card Eligibility & Application Guide
To apply for a Citi card in Singapore, you must meet these requirements:
Age: Minimum 21 years old
Annual income requirement: From S$30,000 (SG/PR) to S$120,000 (Prestige).
Residency: Singapore Citizen, PR, or foreigner with valid passes.
Possible documents required:
For salaried employeesA copy of NRIC/passport
Latest original computerised payslip or Tax Notice of Assessment or last 12 months' CPF statements
For self-employedA copy of NRIC/passport
Last 2 years' Income Tax Notice of Assessment
Last 3 months' bank statements
A copy of passport and valid work permit (with minimum 6 months validity)
A copy of utility/telephone bill or bank statement with your name and address
Income Tax Notice of Assessment and latest original computerised payslip
Possible documents required:
For salaried employees
For self-employed
Step 1
Apply via MoneySmart
Click on the "Apply Now" button of your preferred Citi credit card on this page.
You'll be redirected to the application form and our MoneySmart rewards form to fill up your email address and qualify for your MoneySmart exclusive sign-up gift.
Proceed to fill up the application form by either automatically retrieving your personal particulars with SingPass or manually.
Step 2
Provide all required documents
If filling up application form manually, do ensure you have the following necessary documents (but not limited to) like:
Step 3
Wait for approval
Depending on the individual's application, Citibank credit card approval can take anywhere between 1 to 5 working days to be reviewed and assessed.
Step 4
Activate & receive your Citibank credit card
Once your Citi credit card is approved, congrats!
You can activate your Citi credit card instantly through the Citi Mobile® App and be invited to enter your 6-digit Unlock Code to secure all your credit card transactions.
Alternatively, you can wait for the physical credit card to be mailed to you. But essentially, once it's activated, you can start using your new Citi credit card for your purchases and you can track your miles, rewards, or cashback on the Citi Mobile® App!
Step 5
Troubleshooting and support
If you experience instant denial or technical problems, check the troubleshooting tips and reach out to Citibank support for help.
More From The MoneySmart Blog
Check out our blog for more personal finance tips and insights.
Earn SmartPoints With These Credit Cards
Citibank
Standard Chartered
HSBC
Frequently Asked Questions
How to activate Citibank credit card?
- If you have just received a new Citibank credit card in the mail, you will need to activate your credit card via the Citibank SG mobile app from the App Store or Google Play store. Once downloaded, open the app, and you will see an option to “Activate card.” Follow the instructions to activate your credit card with a One Time Pin and the CVV of your card. If you cannot find the Citi Mobile app, you can SMS “CITIMOB” to 72484. Alternatively, you can log on to Citibank Online, log in with your user ID and password, click on “My Profile”, followed by “Card Activation”.
How to check Citibank credit card bill through SMS?
- You can SMS Citibank to check your account and credit card information. To check your latest credit card balance, SMS “BAL (space) last 4 digits of your credit card number” to 72484. To check your available credit line and any outstanding bills, SMS “CARDBAL (space) last 4 digits of your credit card number” to 72484.
How to pay Citibank credit card bill?
- There are several ways to pay your Citibank credit card bill: Those with Citibank accounts can do so via online banking or the Citi Mobile app. If you don’t have a Citibank account, you can pay your bills via FAST (Fast And Secure Transfers) and Citibank SMS Pay. If you’re opting for SMS Pay, you will need to do a one-time application to set up and authorize Citibank to collect payment from your nominated bank account.
How to waive Citibank credit card annual fee?
- To get a Citibank annual fee waiver, call Citibank’s customer service hotline at 6225 5225, and the automated voice response service will take you through your request. Alternatively, you can write an email to Citibank online or visit your nearest Citibank branch to submit your annual fee waiver request.
How to redeem Citi Miles?
- To convert Citi rewards points to miles, log in to your Citi ThankYou rewards points account online, click on the “Travel” option, followed by “Points Transfer”.
How to redeem Citibank cash back?
- If you’re using a Citibank cashback card such as the Citi Cash Back Card or Citi SMRT Card, you don’t have to do anything to redeem the cashback. Once you’ve accumulated sufficient cash back in your credit card account, it will automatically be credited and reflected in the credit card statement.
How to cancel Citibank credit card?
- To cancel your credit card, call Citibank customer service at 6225 5225 to request for your card to be canceled. Always pay your credit card bills in full, and redeem your rewards points and air miles first.
Does Citi have a complimentary travel insurance?
- Yes, complimentary Travel Insurance is available for the following cards - Citi Rewards Card, Citi Cash Back Card and Citi Cash Back+ Card. Effective 1 March 2025, the complimentary travel insurance coverage provided by HL Assurance for the cards will be revised. The updated coverage will be valid until 31 March 2026.
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