Citi Rewards Card

Citi Rewards Card

Citi Rewards Card

Citi Rewards Card

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CNY WHO, WHERE, HUAT | UP TO S$458 CASH
Citibank Rewards Card is an everyday credit card with a 10X Rewards bonus program to help you accumulate air miles or points quickly. You can redeem your Citi rewards points to miles, vouchers, products, or cash rebates via the Citi ThankYou Rewards redemption catalogue. Suited for a user who does monthly tracking.
S$1= 10X Points
on Online & Shopping Purchases
S$1= 1X Point
for all other purchases
10X Points = 4 Miles
Rewards Conversion
MoneySmart Exclusive

[CNY WHO, WHERE, HUAT 🧧 | UP TO S$458 CASH🧧]
Get S$370 Cash or 6,140 SmartPoints , and a Circles.Life 1-month Borderless Data plan + 5GB Global Roaming + 1TB 5G Local Data (worth S$70) in as fast as 5 weeks when you spend S$500 within 30 days.
 
PLUS get EXTRA S$88 Cash when you spot the correct number of Snakes in the Who, Where, Huat challenge! T&Cs apply.

Valid until 27 Jan 2025 - See more details below

Are you eligible?

    • Promotion is valid from 22nd January 2025 to 27th January 2025.

    • Applicable for New-to Citibank Cardmembers only

    • Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.

    • Log into your MoneySmart account and submit your claim by 27th February 2025

What you need to know

  1. *Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.

  2. Get EXTRA S$88 CASH on top of your baseline gifts when you spot the correct number of Snakes in the Who, Where, Huat challenge! T&Cs apply.

  3. Get FREE 1 month of Circles.Life Borderless Data* plan (worth S$30) and get 5GB Global Roaming* Data across 15 countries (worth S$20) and 1TB of 5G Local Data with no expiry* (worth S$20)

  4. The Circles.Life Plan expires after the first month and the bill reverts to S$50. For any plan cancellation requests kindly contact Circles Life at +65 8808 6868 from Monday - Sunday, 9am - 6pm to submit your termination request.

  5. Use 6,140 SmartPoints to redeem any product on our Rewards Store such as:
    - Apple iPhone 16 Pro Max (256GB) | Top up $1,270 more only
    - Apple iPad (10th Gen) | Redeem in full
    - Sony WH-100XM5 Noise Cancelling Headphones | Redeem in full
    - S$430 GrabGifts Vouchers | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  6. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  7. Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.

  8. MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Spending around S$1,000 per month across online, shopping, Grab, Gojek, online food delivery, and online groceries

Good for

Families or individuals who are avid shoppers and consistently shop online and offline. Earn up to 10X Points and enjoy the flexibility on how you want to redeem the points. You can offset your purchases with the points earned, redeem for vouchers and more!

Categories to maximise this card

Online: Online spend which includes food delivery, ride-hailing and online groceries. Shopping: Shopping spend which includes department store, shoes, bags, clothing stores and more!

What people use it for

A convenient everyday card for daily expenditure spanning multiple categories

Get if

You want to be a Smart shopper by maximising your spend. Earn 10X Points on online and shopping purchases! T&Cs apply.

All Details

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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.

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Citi Rewards Credit Card Benefits 2025

The Citi Rewards Credit Card has been around for a couple of years and serves as one of the primary cards offered by the bank for spenders seeking to accumulate points within the Citi Rewards Programme. It used to be issued as a Visa credit card, but the current Citi Rewards Card has since migrated to the Mastercard network.

This card allows you to accumulate Citi ThankYou Points, which can be converted into miles, earned through online and offline shopping, using ride-hailing apps like Grab or Gojek for transportation, or making purchases through online food delivery and grocery shopping.

Having all these perks may sound appealing to you, but is it really suitable for your spending habits and lifestyle? Let's find out in this quick review.

Customer Reviews on MoneySmart Credit Card Applications

⭐⭐⭐⭐⭐

Review by TJ. Hoo

"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "


As seen on Google

⭐⭐⭐⭐⭐

Review by D. Ng

"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."


As seen on Google

⭐⭐⭐⭐⭐

Review by A. Koh

"Great experience by signing up credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up another credit card as currently reviewing own financial expenses. Good job, Guys!"


As seen on Google

Pros & Cons of Citi Rewards Credit Card

Pros ✅

  • 10X Citi ThankYou Points (equivalent to 4 miles) per $1 spent on online grocery, online food delivery, ride-hailing, and more
  • 10X Citi ThankYou Points (equivalent to 4 miles) per S$1 spent for in-store shopping at department stores, clothing, and more
  • 1X Citi ThankYou Points (equivalent to 0.4 miles) per $1 spent on all other categories
  • Flexibility to earn and accumulate Citi Miles, Citi ThankYou PointsSM or get cashback benefits from big-ticket payments such as rent, insurance premiums, education expenses, taxes, utilities and more
  • Up to 14% fuel savings at Esso and Shell
  • Up to 17% fuel savings at Caltex
  • Complimentary first-year annual fee waiver option available
  • Up to S$1 million complimentary travel insurance coverage when you charge travel fare to card
  • Exclusive access to Citi World Privileges for special deals and discounts locally and in over 90 other countries
  • No minimum spend

Cons ❌

  • Higher prevailing retail interest rate of 27.9% p.a.
  • 10X Citi ThankYou Points per S$1 spent on selected categories excludes travel-related and mobile wallet transactions
  • Bonus Citi ThankYou Points capped at 9,000 points (S$1,000 spend) per statement month
  • Citi ThankYou Points expire after 60 months / 5 years of earning

Is Citi Rewards Rewarding Enough?

Find out if the Citi Rewards Card should be the latest credit card addition to your wallet in our card review below!

Read Card Review

Comparison: Citi Rewards vs HSBC Revolution vs DBS Woman’s World Card

At the moment, there are several popular credit cards offering attractive rewards that you can convert to either cash or air miles or other forms of benefits. Citi Rewards Card is just one of them, and comparable alternatives like HSBC Revolution Card and DBS Woman's World Card are some of the options listed on MoneySmart's online credit card comparison wizard which you can consider as well.


Let's put these 3 credit cards side by side.

Citi Rewards Card

Interest rate: 27.9%

Annual fee:$196.20 (First year waived)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners


    • Rewards benefits:
  • 10X Citi ThankYou Points (equivalent to 4 miles) per $1 spent on online grocery, online food delivery, ride-hailing, and online & in-store shopping
  • 1X Citi ThankYou Points (equivalent to 0.4 miles) per S$1 spent on all other purchases
  • Flexibility to earn and accumulate Citi Miles, Citi ThankYou Points or get cashback benefits from big-ticket payments such as rent, insurance premiums, education expenses, taxes, utilities and more
  • Up to 14% fuel savings at Esso and Shell
  • Up to 17% fuel savings at Caltex
  • Up to S$1 million complimentary travel insurance coverage

    • HSBC Revolution Card

    Interest rate: 27.8% p.a.

    Annual fee:N/A

    Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners


    • Card benefits:
  • 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) per $1 spent on online shopping, dining, and selected transport and memberships
  • 1X reward point per $1 spent on all other categories
  • Up to 16% fuel savings at Caltex
  • Up to 14% fuel savings at Shell
  • Complimentary access to ENTERTAINER with HSBC app, with over 1,000 1-for-1 deals on dining, lifestyle and travel worldwide
  • HSBC Reward points awarded are valid for 3 years and 1 month from the date of opening of the credit card account
  • No minimum spend requirement
  • Up to S$1 million complimentary travel insurance coverage (valid till 31 Mar 2025)

    • DBS Woman's World Card

    Interest rate: 27.8% p.a.

    Annual fee:$196.20 (First year waived)

    Minimum annual income:$80,000

    Card benefits:

  • Up to 10X DBS Points (equivalent to 4 miles) per $1 spent on online purchases
  • Up to 3X DBS Points (equivalent to 1.2 miles) per $1 spent on overseas purchases
  • 1X reward point for every $1 spent on all other categories
  • Complimentary e-Commerce protection
  • No minimum spend
  • Spend at least $25,000 annually to waive subsequent annual fee

    • Given the past nerfs to the HSBC Revolution Card, the Citi Rewards Card continues to stand as one of the more rewarding (no pun intended) miles credit cards to have in your collection. Rewarding 10X Citi ThankYou Points (4 miles) per $1 spend, it offers a wide array of eligible bonus transactions — with retail shopping as its strong suit. However, we must concede that when compared to the DBS Woman’s World Card, it does fall short with regards to its higher cap and inclusion of travel-related transactions.

    If you're looking for lower interest rates and a guarantee of no annual fee charges (without the hassle of requesting waivers), the HSBC Revolution Card is more suitable, plus it has the lowest barrier to entry for foreigners looking to qualify for a rewards credit card based on the minimum annual income requirement.

    Citi Rewards Credit Card Requirements

    Singapore Citizens / PRsForeigners / Expats
    Age21 and above21 and above
    Income$30,000$42,000
    Documents requiredFor salaried employees:
  • A copy of NRIC/passport
  • Latest original computerised payslip or Tax Notice of Assessment or last 12 months' CPF statements

    • For self-employed:
  • A 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

    • How to Apply for Citi Rewards Credit Card in Singapore

    Here are 3 simple steps to apply for the Citi Rewards Card:

    Step 1

    Apply via MoneySmart

    Start your application by clicking the “Apply Now” button via MoneySmart.

    Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.

    Once successfully submitted, the approval-in-principle page should appear within a few minutes.

    Step 2

    Provide all documentation required

    You'll need to provide all the necessary documentation in order for Citibank to approve your credit card application. This list of documents include:

    • NRIC or other identification details
    • Latest computerised payslip
    • Latest 12 months' CPF Contribution History Statement
    • Latest 2 years' Income Tax Notice of Assessment (NOA)

    Step 3

    Receive your Citi Rewards Card

    Activate your Citi Rewards Card instantly through the Citi Mobile® App and be invited to enter your 6-digit Unlock Code to secure all your credit card transactions.

    Thereafter, it’s ready for you to use on any of your purchases and you can track your rewards with your Citi Mobile® App!

    Frequently Asked Questions About Citi Rewards Credit Card

    What are the fees payable when I apply for the Citi Rewards Credit Card?

    The Citi Rewards Credit Card charges an annual fee of $196.20 (First year waived), as well as cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.

    Am I eligible for the Citi Rewards Credit Card?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi Rewards Card.

    If I’m late for my monthly Citi Rewards Credit Card bill payment, how much do I have to pay?

    Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Citibank at the point of your late payment.

    How to redeem Citi Rewards Credit Card rewards points?

    You can redeem Citi ThankYou Points for a myriad of rewards. You can redeem travel bookings, gift cards, shop with points, earn cashback, transfer points across loyalty programmes, share points with other ThankYou members, and even donate to charities.

    To convert points into frequent flyer miles, ensure you:

    1. Have a Frequent Flyer Programme Account e.g. Singapore Airlines (KrisFlyer miles), Cathay Pacific (Asia Miles)
    2. Log into Citi online banking or Citi Mobile app > Rewards > Redeem Points > Choose either “Miles” or “Travel” category
    3. Transfer minimum number of points into miles (e.g. 25,000 ThankYou Points = 10,000 miles)