Citi M1 Credit Card
MoneySmart Exclusive
Earn Rebates at M1 | FASTER FULFILMENT
Earn Rebates at M1 | FASTER FULFILMENT

Citi M1 Credit Card

The Citi M1 Credit Card is best for M1 customers who want to earn rebates on their telco bills and enjoy discounts on accessories. You'll get up to 2.7% rebate on M1 bills and purchases at M1 Shops, plus 4.7% on entertainment, capped at S$60 monthly. While rebates don't expire, the card's 0.3% cashback on general spending is low compared to other cashback cards.
Earn 4.7% Bonus Citi Rebate
on eligible Entertainment Spend
Enjoy 2.7% Bonus Citi M1 Rebate
on M1 Telco Bill Charges
Earn 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops

Apply now and redeem any of these:

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Apply for Citi M1 Credit Card
MoneySmart Exclusive
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Guaranteed S$400 Cash via PayNow

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Guaranteed S$400 Cash via PayNow

FREE with SmartPoints
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Shopee Voucher $450

6075 SmartPoints

worth S$450

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Shopee Voucher $450

6075 SmartPoints

worth S$450

FREE with SmartPoints
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LEVEL8 Polaris Trolley Luggage Case (28-inch, Black)

5805 SmartPoints

worth S$829

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LEVEL8 Polaris Trolley Luggage Case (28-inch, Black)

5805 SmartPoints

worth S$829

FREE with SmartPoints
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Omnidesk Embrace Pro Ergonomic Office Chair (Black, Mesh)

5640 SmartPoints

worth S$729

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Omnidesk Embrace Pro Ergonomic Office Chair (Black, Mesh)

5640 SmartPoints

worth S$729

FREE with SmartPoints
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Insta360 GO 3S Standard Edition (64GB, Arctic White)

6140 SmartPoints

worth S$589

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Insta360 GO 3S Standard Edition (64GB, Arctic White)

6140 SmartPoints

worth S$589

Buy with SmartPoints
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Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)

7440 SmartPoints

worth S$649

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Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)

7440 SmartPoints

worth S$649

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View more rewards

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View more rewards

MoneySmart Exclusive

Apply and spend S$500 within 30 days to choose your reward: UPSIZED S$400 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) and receive them as quickly as 5 weeks after meeting the spend criteria!

 

PLUS, double your excitement with a chance to win the ultimate S$15,000 getaway to your dream destination in our exclusive lucky draw! T&Cs apply.

Valid till 06 Jul 2026

ARE YOU ELIGIBLE?

  • MoneySmart Promotion is valid from 01 July 2026 to 06 July 2026

  • Apply as main "New-to Citibank" cardholder for an eligible Citibank Credit Card via MoneySmart within the qualifying period

  • 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.

  • This Promotion is only valid for Citibank PremierMiles, Cashback+, Rewards, Cashback, SMRT and M1 credit cards.

  • Complete and submit the MoneySmart Claim Form with valid contact details and Unique Reference Number (URN) by 06 August 2026

WHAT YOU NEED TO KNOW

  1. [MoneySmart Baseline Gift]
    Meet the minimum S$500 spend within 30 days to unlock your choice of reward—S$400 Cash via PayNow or 6,140 SmartPoints for exciting products in the MoneySmart Rewards Store

  2. [MoneySmart S$15,000 Getaway Lucky Draw]
    On top of the baseline rewards, stand a chance to win the grand prize: a S$15,000 Dream Holiday to any destination you desire, adding a luxurious getaway to your financial boost. T&Cs apply.

  3. *Faster Rewards Redemption: Reward fulfillment happens as fast as 5 weeks from meeting spend criteria, and is processed on a rolling basis, so the sooner you spend, the sooner you receive your reward.

  4. Use the SmartPoints earned 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! 

  5. 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. 

  6. 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.

  7. MoneySmart Exclusive promotions do not stack with third-party promotions unless stated otherwise—check T&Cs for complete details.

T&CsFAQClaim Form

Card Details

Good For

M1 customers seeking rebates on their monthly telco bills and eligible entertainment purchases.

Singaporeans who want to earn rebates on retail transactions and M1 shop purchases using a rewards card.

Individuals aiming to convert rebates into KrisFlyer miles for travel, maximizing lifestyle category spending.

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.