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Best for Daily Online Spend

Citi Rewards Credit Card

10X Rewards

Shopping, Delivery & Transport

30,000 ThankYou Points

Sign-up Gift

Up to S$1 Million

Travel Insurance Coverage

Citi Rewards Card is one of the most convenient everyday credit cards you can use. On select categories, you can earn a generous 10X points per transaction. Not only that, but you can also save a substantial amount when paying for petrol. Redeeming Citi ThankYou points is easy, and there is a wide selection of merchandise and merchants.

Citi Rewards Credit Card Rewards

  • Shopping. Citibank rewards you generously for shopping not only in retail stores but also for online purchases.
  • Ride-Hailing and Transport Apps. Earn Citi ThankYou points when you book a ride with Grab or use the transport services of Gojek and more.
  • Online Food Delivery. Ordering and having food delivered to your home is convenient. It gets even better when you accumulate Citi Rewards Card points.
  • Online Groceries. Get rewarded when you shop online for your daily needs and groceries.
  • Travel Insurance. Pay for airfare using your Citi Rewards Credit Card and get covered for free.
  • You earn one Citi ThankYou point per S$1 spent. But what makes the Citi Rewards Card attractive is that you could earn much more bonus points.
  • Shopping for clothes, bags, and so many more products in department stores worldwide, for example, earns you 10X rewards. Some eligible retailers (and platforms) include Lazada, Shopee, Taobao, Tokyu Hand, and more.
  • Likewise, you can earn as many rewards points shopping in shops such as Gap, Love Bonito, and Zalora.
  • As if the e-commerce industry was not big enough, the pandemic accelerated its growth by several years. Buying online is not only a matter of convenience and accessibility but also safety. Citi Rewards Card, in this regard, is one of the best cards for shopping online.
  • Get 10X rewards points buying merchandise and groceries from stores such as:
    • Cold Storage
    • Don Don Donki
    • EAMart
    • Giant
    • Market Place by Jasons
    • NTUC FairPrice
    • Sheng Siong
  • Taobao
  • One of the strengths of the Citi Rewards Card is promotions. Citibank frequently runs promos that let you save money. Take dining as an example. You can get 10% off using this in-store and online promo code:
  • CITILBNEWXXXXXX (XXXXXX refers to the first six digits of the Citi Rewards Credit Card number)
  • Citi Rewards Card saves you money when you refuel at petrol stations. For a maximum of 14% savings, fuel up at either Esso or Shell.
    • Esso: 5% site discount plus 5% Esso Smiles discount plus 4% Citi Rewards Credit Card discount
    • Shell: 5% site discount plus 5% Shell Escape discount plus 4% Citi Rewards Credit Card discount
  • New Citi Rewards Cardholders can earn a sign-up bonus of 30,000 ThankYou points.


  • 10X rewards (equivalent to 4 miles per dollar) on shopping, food delivery, and transport
  • 1X reward (equivalent to 0.4 miles per dollar) on retail purchases
  • Flexible Citi ThankYou rewards redemption options
  • Earn rewards for bills paid through Citi PayAll, such as rentals, school fees, taxes, and more
  • Up to S$1 million travel insurance coverage
  • A large number of transfer partners compared to others


  • 10X reward points capped at 10,000 per statement month
  • The reward points you earned have 60 months validity
  • Payments through Citi PayAll may come with a service fee
  • No airport VIP lounge access
  • No complimentary limousine service

How to Apply

21 years old and above

Singapore and Permanent Residents


Annual FeeS$192.60 
Fee waiverWaived for the First Year
Annual Interest Rate26.9% p.a.
Late Payment FeeS$100
Cash Advance Fee S$15 or 6%, whichever is highest
Minimum Monthly Spend / Monthly Payment:1% of the current balance plus 1% of outstanding installment amounts plus interest charges plus late payment fee, or S$50, whichever is highe
Foreign Currency Transaction Fee3.25%

For Singaporean/Permanent Resident salaried employees:

  • Salaried employee

    • A copy of your NRIC/passport; and
    • Latest original computerized payslip or Tax Notice of Assessment or last 12 months’ CPF statements


    • A copy of your NRIC/passport;
    • Last 2 years’ Income Tax Notice of Assessment; and
    • Last 3 month’ bank statements.

 For Foreigners: 

  • A copy of your passport and work permit (with minimum 6 months validity);
  • A copy of utility/telephone bill or bank statement with your name and address; and
  • Income Tax Notice of Assessment and latest original computerized payslip.

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 Citi Rewards Card Compare with Other Singapore Credit Cards


Miles per S$1

Annual Fee

Bonus for Paid Renewal

Citi PremierMiles Card

1.2 mpd local spend;

2 mpd overseas spend;

Up to 10 mpd on selected travel booking sites


10,000 miles

Citi Prestige Mastercard

1.3 to 4 mpd


25,000 miles

Citi Rewards Card

0.4 to 4 mpd



HSBC Revolution Card

0.4 to 4 mpd



OCBC Titanium Rewards Credit Card

0.4 to 4 mpd



Our Verdict on Citi Rewards Credit Card

Citibank offers several credit cards that provide great miles. Citi Rewards Card is a strong contender for average spenders (up to S$1,000 monthly). If you are regularly shopping and making online transactions, you cannot go wrong with this card.

It would be better if there is a Citi Rewards Visa Card. In some reports, consumers note how Mastercard may miss crediting points to the cardholder. Nonetheless, it is easy to resolve.

Earn High Citi ThankYou Points with This Card

For the average consumer, it is hard not to love the Citi Rewards Credit Card.

  • Earn 10X Citi rewards points when you purchase in retail stores or shop online worldwide
  • Spending on Grab and other ride-hailing apps also let you earn 10X rewards points
  • Up to 14% fuel savings at Esso and Shell petrol stations

To be more specific, Citi Rewards Credit Card suits fashion shoppers making online purchases. At the same time, it also provides generous rewards for online food delivery and transport. Even better, you are not limited to local transactions in Singapore. You also earn points shopping worldwide.

Citi Rewards Card, no doubt, is an excellent addition to your credit cards. While it is not uncommon to hold 2 to 3 cards, managing the bills may be troublesome. Should there be any difficulty, you might consider taking out a loan for two reasons.

  1. Ease financial burden
  2. Pay off all credit card debts using a personal loan with a much lower interest rate to save money

Loan Advisor has the latest reviews of reputable, licensed moneylenders. You can request up to three free quotes to see which one suits you best.

Citi Rewards Credit Card Frequently Asked Questions

You can avail of the current sign-up bonus of 30,000 Citi ThankYou points but there is a minimum spend required. You need to spend S$3,000 within the first three months from the date of account opening to receive this welcome gift.

Mastercard. If you are looking for a Citi rewards VISA card, they also offer the Citi Lazada Card.

Use your Citi Rewards Credit Card when shopping online or buying in retail stores. In most cases, you can earn 10X points or 4 miles per S$1. But if the item does not qualify for the higher reward tier, you still make 1 point or 0.4 miles per S$1.

Do note that there is a monthly cap of 10,000 points per statement month. And, the points expire after five years.

Use your Citi Rewards Credit Card when shopping online or buying in retail stores. In most cases, you can earn 10X points or 4 miles per S$1. But if the item does not qualify for the higher reward tier, you still make 1 point or 0.4 miles per S$1.

Do note that there is a monthly cap of 10,000 points per statement month. And, the points expire after five years.

Redeeming points is easy. One way is to use the Citi Mobile App (available on Apple App Store and Google Play Store). Another way is to visit the Rewards Redemption page on the Citibank website and log in.

Briefly, you can use Citi ThankYou points to redeem for the following:

Citi Pay. Use your points as payments when shopping in an eligible online or retail store.

Citi ThankYou Rewards. Redeem your points for home goods, apparel, electronics, and more.

Instant Redemption. Offset purchases or redeem vouchers in more than 900 instant reward outlets.

Points Transfer Program. Transfer points to airline or hotel loyalty programs and frequent flyer miles.

Some travel-related transactions do not qualify for 10X points.

Excluded Merchant Category 

Code (MCC)


MCC 3000 to 3350

Airlines and air carriers

MCC 3351 to 3500

Car rental agencies

MCC 3501 to 3999

Lodging: hotels, motels, and resorts

MCC 4112

Passenger railways

MCC 4411

Cruise lines

MCC 4511

Airlines and air carriers (not classified elsewhere)

MCC 4722

Travel agencies and tour operators

MCC 5962

Direct marketing: travel-related arrangement services

MCC 7011

Lodging: hotels, motels, and resorts (not classified elsewhere)

MCC 7512

Car rental agencies (not classified elsewhere)

Generally, you do not get rewards for any transaction falling within excluded merchant categories.

Among the transactions are:

  • Annual fees, interest charges, late payment fees
  • Balance transfers using Rewards Card as source
  • Bill payments to educational, government, insurance, financial and non-profit organizations
  • Top-ups or payments to payment service providers, prepaid card(s)
  • Quasi-cash transactions

The merchants and conditions may change from time to time at Citi’s discretion. You can see the updated list of exclusions here.

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