Citi Rewards Card
Citi Rewards Card
- S$1= 10X Points
- on Online & Shopping Purchases
- S$1= 1X Point
- for all other purchases
- 10X Points = 4 Miles
- Rewards Conversion
Get S$370 Cash or 5,040 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 01-March 2025 to 16-March-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 16th April 2025
What you need to know
Get EXTRA S$50 Cash or 700 SmartPoints on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!
Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.
[Rollin’ Rewards] We’re giving away 93,800 SmartPoints this month! Enrol in Rollin' Rewards by completing a simple 3-min questionnaire today.
[Rollin’ Rewards] This earns you 1 chance to win in our draw.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citibank Credit Card Promotion, submit the claim form, and have it approved.
[Rollin’ Rewards] 5 lucky winners walk away with 18,760 SmartPoints each (enough to redeem an Apple iPhone 16 Pro Max 256 GB)
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—your chance(s) of winning will automatically roll over into next month’s draw. T&Cs apply.
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
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.
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.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
All Details
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Citi Rewards Credit Card Benefits 2025
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
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!
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.
Interest rate: 27.9%
Annual fee:$196.20 (First year waived)
Minimum annual income:
Rewards benefits:
Interest rate: 27.8% p.a.
Annual fee:N/A
Minimum annual income:
Card benefits:
Interest rate: 27.8% p.a.
Annual fee:$196.20 (First year waived)
Minimum annual income:$80,000
Card benefits:
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 / PRs | Foreigners / Expats | |
|---|---|---|
| Age | 21 and above | 21 and above |
| Income | $30,000 | $42,000 |
| Documents required | For salaried employees: For self-employed: |
How to Apply for Citi Rewards Credit Card in Singapore
Here are 3 simple steps to apply for the Citi Rewards Card:
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.
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)
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:
- Have a Frequent Flyer Programme Account e.g. Singapore Airlines (KrisFlyer miles), Cathay Pacific (Asia Miles)
- Log into Citi online banking or Citi Mobile app > Rewards > Redeem Points > Choose either “Miles” or “Travel” category
- Transfer minimum number of points into miles (e.g. 25,000 ThankYou Points = 10,000 miles)