Get FREE Loan Quotes From Loan Advisor’s Top Reviewed Licensed Money Lenders in Singapore!     Click here

Get Free Quotes from the Best Licensed Moneylenders!  Click here

Citibank Clear Card
0 0 reviews

Citibank Clear Card

Best for Tertiary Students To Earn Rewards As They Spend

Citibank Clear Card

1X Reward Per 0.4 Miles

Per Dollar Spend

S$20 Cashback

Sign Up Gift


Minimum spend

Citi Clear Card is a great option for tertiary students and young adults to earn rewards as they spend. Students ages 18 and older can earn 1X Reward or 0.4 miles per S$1 spend. They can also enjoy exclusive dining deals and lifestyle discounts locally and overseas.

All details

  • No minimum income requirement making it ideal for tertiary students
  • Earn 1X Reward (or 0.4 miles) for every S$1 spend.
  • Exclusive dining deals at over 1,000 eateries in Singapore
  • Use your earned points to pay for any purchase
  • Flexible point redemption
  • Citi World privileges – deals and discounts locally and in 90 other countries


  • 10% off food a la carte dine-in food bill with a minimum spending of S$80 at Crystal Jade Palace
  • Receive a S$10 return voucher with any spend at all participating Paradise Group of Restaurants. Promo valid till 31 December 2022.
  • Exclusive privileges at foodpanda and Grab


  • 15% off at BeautyFresh with no min. spend. Promo is valid till 31 Dec 2022
  • S$10 off at Shopee Mall Sale with a min. spend S$100. Limited weekly redemptions from 1 Jan to 30 April 2022.
  • 10% off on regular-priced items online at In Good Company. Promo valid till 31 March 2023.


  • 20% off selected hotels at Expedia. Promo valid till 31 March 2022
  • 18% off Singapore and Vaccinated Travel Lanes destinations when you book via Agoda. Promo valid till 28 February 2022.


  • Enjoy 1X Reward per S$1 spend which is redeemable as cash, miles, or vouchers.
  • Enjoy online fashion, lifestyle, and travel exclusives at your favorite online brands
  • Enjoy exclusive dining privileges at over 1,000 eateries in Singapore
  • Students are welcome to apply since it has no min. income requirement
  • Affordable annual fee of S$29.06 – waived for the first year.


  • Credit limit of S$500
  • Lacks rewards on education and bills payment
  • Not suitable for young adults with an annual income of S$30,000

How to Apply

  • Minimum Age: 18 years old and above
  • Nationality: Singaporean or Permanent Resident
  • Applicants below the age of 21 must get their parent/guardian’s consent to the application, and guarantee the payment of outstanding balances.
  • You are a student from any of the following institutions: NTU, NUS, SMU, SIM, SUTD, SIT, SUSS, University of Chicago Booth School of Business, DigiPen, ESSEC, GIST-TUM Asia, INSEAD, S P Jain, Tisch, UNLV, Nanyang Polytechnic, Ngee Ann Polytechnic, Republic Polytechnic, Singapore Polytechnic, Temasek Polytechnic, LASALLE-SIA, NAFA, EDHEC-Risk Institute and Sorbonne-Assas International Law School.
  • You are not an existing primary / basic Citi Credit Card / Citibank Ready Credit customer (supplementary Cardmembers are eligible)
  • Copy of NRIC (front and back)
  • Copy of Matriculation card
  • For students below 21 years of age:
    • Copy of Parent or Guardian’s NRIC (front and back)
    • Signature of Parent or Guardian on the application form

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

How Citibank Compare With Other Student Credit Cards in Singapore?

Credit Card

Cashback / Rewards

Annual Fee

Minimum Spend

Cashback Cap

Citibank Clear Credit Card

1X reward (0.4 air miles or about 0.4% cashback) per S$1 spent




Maybank eVibes Credit Card

1% cashback on everything you buy




DBS Live Fresh Student Card

Up to 5% cashback on select merchants


Additional 5% green cashback on selected eco-eateries, retailers, and transport services



S$50 per month


8% cashback for online shopping and PayWave transactions

No annual fee as long as you make a minimum of 3 transactions every month for 12 consecutive months


S$60 per month

OCBC Frank Card

6% cashback for online shopping on all things




Standard Chartered Manhattan S$500 Card

0.25% cashback on all spend





Citi Clear Card is a competitive student card that stands out amongst its competition for its flexible rewards. Cardholders can earn 1X rewards which are equivalent to 0.4 miles or 0.4% cashback per dollar spent.

If you’re looking for more savings per dollar spent, you may want to consider Maybank eVibes Card instead since it offers the highest rebate amongst the student cards on the market. Cardholders can enjoy up to 1% cashback on all spending, no min. spend requirement, and no category or merchant restrictions.

However, if you like flexible rewards redemption, then you will not go wrong with the Citi Clear Card. With this card, you can exchange points for cash rebates, miles, or vouchers.

Our Verdict

Students who often dine out and shop online will earn considerable rewards with the Citi Clear Card. This is also a good option for students who prefer to earn miles to cashback rewards.

Another worth noting about this student card is its dining privileges and merchant discounts. Citi Clear Card cardholders have access to Citi’s Rewards Program as well as Citi privileges. The downside is that several key expenses categories are not eligible for rewards, such as bills payment and education expenses.

Final Thoughts

The Citi Clear Card is a good choice for tertiary students who want to earn rewards as they spend. With this card, cardholders will also enjoy dining discounts, making it ideal for young adults who enjoy dining out.

Key Takeaways:

  • Earn 1X Rewards for every S$1 spent with no min. spend requirement.
  • The reward points are redeemable as cash, miles, or vouchers.
  • This student card has one of the most affordable annual fees at S$29.96. The first-year annual fee waiver is available.

Not sure which loan plan is best for you? Loan Advisor can help you compare the interest rates, tenure, and loan terms from top licensed moneylenders. Get the most up-to-date information at the tip of your fingers. Request up to three loan quotes today!


Citibank Clear Card is a good option for students who know how to manage their personal finance. With a S$500 credit, it offers a decent credit for tertiary students to use. Plus, the flexible rewards are easily redeemable with the Citi mobile app.

No one credit card will suit everyone. That said, the best credit card will depend on your needs, spending habits, and lifestyle. Some of the best credit cards for students include:

  • Citibank Clear Card: This is best for students who prefer to earn miles instead of cashback. 1X reward is equivalent to 0.4 miles. Plus, it has attractive dining privileges.
  • Maybank eVibes Card: Cardholders can earn 1% cashback on all spending. It requires no min. spend and no minimum income.

OCBC Frank Card: If you enjoy online shipping, then this card is a good option. With this card, you can earn up to 6% cashback for online spending

Yes, you can. In Singapore, there are financial institutions that offer credit cards specifically for students. These cards don’t have an income requirement. However, you may need to prove that you are a current tertiary student.

To apply for a Citibank Clear Card, you may visit the nearest branch or send your credit card application via Citibank online. All you have to do is fill in your complete personal details and email the necessary documents.

  • Summary of your account: This is a list of all the transactions you’ve made using your credit card. This includes payments, purchases, interest rate charges, credits, balance transfers, cash advances, and amounts past due.
  • The statement period: This is usually found in the top right-hand corner of your credit card statement. This helps you take advantage of your card’s interest-free days.
  • Credit limit: This indicates the total credit of all your credit cards – including supplementary card(s).
  • Minimum amount due: This is where you will find the minimum payment amount you can pay every month. The minimum payment is usually between 2-3% of your unpaid balance.
  • Total amount due: This is your total outstanding balance.
  • Credit card bill due date: This is the date when you have to make payment. Make sure to pay your bills on time to avoid incurring late fees and late interest.
  • Fees and interest charges: Most credit card companies will list the fees and interest charges separately on your monthly credit card bill.
  • Rewards and rebates: This may depend on the type of credit card you have. But these details will inform you of the number of reward points or rebates you’ve earned during the statement period.

Customer Top Reviews

Create your own review
Average rating: 0 0 reviews
  • 5
  • 4
  • 3
  • 2
  • 1

Looking For An Urgent Personal Loan?

Submit your details and receive up to 3 loan quotes from best Licensed Money Lenders picked by Loan Advisor
  • Hidden
  • This field is for validation purposes and should be left unchanged.
Looking for a Loan?