Citi M1 Credit Card
MoneySmart Exclusive
LIMITED OFFER - GET $150 OFF LATEST PRO IPHONES
LIMITED OFFER - GET $150 OFF LATEST PRO IPHONES

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
Enjoy 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops

Apply now and redeem any of these:

Product Carousel

Apply for Citi M1 Credit Card
MoneySmart Exclusive
Reward image

Up to S$450 Cash via PayNow

Reward image

Up to S$450 Cash via PayNow

FREE with SmartPoints
Reward image

Sony WH-1000XM6 Wireless Noise Cancelling Headphones (Black)

6140 SmartPoints

worth S$649

Reward image

Sony WH-1000XM6 Wireless Noise Cancelling Headphones (Black)

6140 SmartPoints

worth S$649

Save S$614 with SmartPoints earned
Reward image

Apple iPhone 18 Pro (256GB, Burgundy)

19490 SmartPoints

worth S$1899

Reward image

Apple iPhone 18 Pro (256GB, Burgundy)

19490 SmartPoints

worth S$1899

FREE with SmartPoints
Reward image

Apple AirPods Pro 3

3900 SmartPoints

worth S$349

Reward image

Apple AirPods Pro 3

3900 SmartPoints

worth S$349

Only S$145 with SmartPoints
Reward image

Apple Watch Series 12, 42mm (GPS, Black Aluminium Case with Black Sport Band)

7585 SmartPoints

worth S$599

Reward image

Apple Watch Series 12, 42mm (GPS, Black Aluminium Case with Black Sport Band)

7585 SmartPoints

worth S$599

MoneySmart Exclusive
Reward image

S$500 Amazon Voucher

Reward image

S$500 Amazon Voucher

Reward image

View more rewards

Reward image

View more rewards

MoneySmart Exclusive

Snap up baseline gifts: be among the first 200 approved applicants spending S$500 to enjoy S$450 Upsized Cash or a S$500 Amazon.sg Gift Card, or still grab S$400 Cash or 6,140 SmartPoints (use SmartPoints earned to redeem the latest Apple products on our Rewards Store) if you come after.
 
But the real treat? Dive into spooktacular Halloween rewards with MoneySmart! Each day, the first 10 fastest claimants snatch exclusive Flash Deal prizes—from iPhone 18 Pro, MacBook Neo, Switch 2, PS5 and more—on top of your baseline reward! T&Cs apply.

Valid till 31 Oct 2026

ARE YOU ELIGIBLE?

  • MoneySmart Promotion is valid from 10 October 2026 to 31 October 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.

  • Complete and submit the MoneySmart Claim Form with valid contact details and Unique Reference Number (URN) by 30th November 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
    First 200 customers to submit the claim form:
    —Upsized S$450 Cash or $500 Amazon.sg Gift Card

  2. [MoneySmart Baseline Gift]
    Meet the minimum S$500 spend within 30 days to unlock your choice of reward
    201th customers to submit the claim form:
    —S$400 Cash via PayNow or 6,140 SmartPoints for exciting products in the MoneySmart Rewards Store

  3. [MoneySmart Halloween Ghost Gifts Promotion 2026]
    This Halloween, unlock a treasure trove of ghostly gifts just for you! Claim your spooky reward like the Apple iPhone 18 Pro, MacBook Neo, Sony PlayStation 5, Nintendo Switch 2, Apple Watch Series 12, or Apple AirPods 5 — or simply grab S$5 cash via PayNow! Hurry, these ghoulish treasures vanish after October 31st, so don't miss out on your ultimate Halloween treat! T&Cs apply.

  4. [MoneySmart Halloween Ghost Gifts Promotion 2026]
    Be among the first 10 eligible customers each day during 10-31 October 2026 to submit the MoneySmart Claim Form, to qualify for Flash Deal prizes

  5. *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.

  6. 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! 

  7. 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. 

  8. 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.