S$1 = 1.2 Miles

Local Spend

S$1 = Up to 4 Miles*

All Foreign Currency Spend including Retail and Online (Limited Time Only*)

S$1 = Up to 10 Miles

Selected Online Hotel Bookings

All Details

• Key Features

  • Citi Miles never expire

  • Earn up to 2 Citi Miles per S$1 on your spend

  • Bonus: Earn additional 2 Citi Miles on qualifying foreign currency spend while overseas between 1 March and 30 June 2023. Bank T&Cs apply.

  • Receive renewal bonus of 10,000 Citi Miles on your Card anniversary

  • Earn up to 10 Citi Miles per S$1 on online travel bookings via Kaligo and Agoda

  • Principal Cardholder gets to enjoy 2 complimentary visits every year to over 1,300 airport lounges worldwide.

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Air Miles

Excellent

• Citi Miles never expire so you can accumulate them over time

• Citi Miles conversion rate: 165 miles for S$1

• Citi Miles redemption via CIti ThankYou Rewards allows you to transfer miles earned to 11 airline partners, including Singapore Airlines’ Krisflyer miles program. Subject to S$26.75 per Points Transfer

• 1.2 Citi Miles per S$1 local spend. No minimum spend, although general exclusions such as insurance, educational institution fees etc., do apply

• 2 Citi Miles per S$1 overseas spend on foreign currency. Subject to 3.25% Citibank admin fee and 1% Mastercard admin fee per transaction

• Bonus: Earn additional 2 Citi Miles on qualifying foreign currency spend while overseas between 1 March and 30 June 2023. Bank T&Cs apply.

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Overseas Spending

Excellent

• No minimum spend nor cap

• Earn 2 Citi Miles per S$1 overseas spend charged in foreign currency

• Bonus: Earn additional 2 Citi Miles on qualifying foreign currency spend while overseas between 1 March and 30 June 2023. Bank T&Cs apply.

• Online travel bookings charged in foreign currency: Earn 7 Citi Miles per S$1 overseas spend with Agoda’s Bonus Miles promotion; earn 10 Citi Miles per S$1 overseas spend with Kaligo’s Bonus Miles promotion

• All foreign currency transactions subject to 3.25% Citibank admin fee and 1% Mastercard admin fee

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Bill Payment

Very Good

• Manage and schedule bill payments with Citi PayAll feature on the Citi Mobile App

• Eligible categories: rent, education expenses, taxes, condominium management fees and electricity bills

• All transactions subject to 1.25% – 2% service fee per transaction; a personalized rate will be determined upon enrolment for Citi PayAll and updated occasionally

• Ensure there’s sufficient credit and regularly update payee account number, amount, and due date to avoid transaction failures and late payments, all of which may incur compensation to Citi PayAll

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Petrol

Very Good

Best for: Petrol transactions at Esso and Shell

• Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively

• Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively

• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	S$97.20
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	Determined by credit card issuer
Minimum Monthly Repayment	1% plus 1% of any outstanding unbilled instalment amounts plus interest charges plus late payment charge or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or S$15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$42,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Citi Pay

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