Best Citibank Credit Cards in Singapore 2025 Comparison

Only at MoneySmart: Get S$450 Cash or the latest Apple iPad (11-inch) when you apply for select Citibank Credit Cards. Compare the best Singapore credit cards for cashback, dining, air miles, and shopping here. Read More
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Citi PremierMiles Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | EARN CITI MILES
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Citi PremierMiles Card

Local Spend
S$1 = 1.2 miles
All Foreign Currency Spend including Retail and Online
S$1 = Up to 2.2 miles
Selected Online Hotel Bookings
S$1 = Up to 10 miles

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints , and a S$50 Trip.com Hotel Coupon in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi Cash Back+ Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UNLIMITED 1.6% CASHBACK
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Citi Cash Back+ Card

Cash Back on Eligible Spend
1.6%
Min. Spend per month
S$0
Cash Back Cap per month
Unlimited

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi Rewards Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | 10X POINTS FOR SPENDS
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Citi Rewards Card

on Online & Shopping Purchases
S$1= 10X Points
for all other purchases
S$1= 1X Point
Rewards Conversion
10X Points = 4 Miles

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi PremierMiles Card + Citi Wealth First Account
BUNDLE | SINGLE SEAMLESS APPLICATION JOURNEY

Citi PremierMiles Card + Citi Wealth First Account

on Foreign Currency Spend
S$1 = Up to 2.2 Miles
on your Citi Wealth First Account
Up to 7.51% Interest
Application Journey for the Bundle
Single
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Citi Cash Back Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | UP TO 8% CASHBACK

Citi Cash Back Card

Cash Back on Groceries, Petrol & Private Commute
Up to 8%
Total Cash Back Cap, per month
S$80
at Caltex, Shell & Esso
Up to 23.64% savings

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi SMRT Card
MoneySmart Exclusive
FASTER REWARD FULFILMENT | EARN UP TO 5% SMRT$

Citi SMRT Card

on Online Purchases, Groceries, Taxi, Ride-hailing & Public Transport
5% Savings
on Other Retail Spend
0.3% Savings
Min. Spend per month to earn max rebates
S$500

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi M1 Credit Card
MoneySmart Exclusive
UPSIZED CASH | FASTER FULFILMENT

Citi M1 Credit Card

on eligible Entertainment Spend
Earn 4.7% Bonus Citi Rebate
on M1 Telco Bill Charges
Enjoy 2.7% Bonus Citi M1 Rebate
on in-store purchases at M1 Shops
Earn 2.7% Bonus Citi M1 Rebate

Get UPSIZED S$400 Cash or UPSIZED 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
 
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.

Valid until 27 Apr 2025 - See more details below
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Citi Prestige Card

Citi Prestige Card

for every S$1 spent overseas
5 ThankYou Points (2 miles)
for every S$1 spent locally
3.25 ThankYou Points (1.3 miles)
Complimentary Airport Lounge Access
Unlimited
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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.

MoneySmart Customer Reviews on Credit Cards

Thinking of applying for a credit card soon? Check what our customers has to say about their experience! (As seen on Google Reviews)

⭐⭐⭐⭐⭐

Review by Nguyen Tung Lam

"Applying for credit card and claiming gift was a smooth and pleasant process that was all done online. The wait for the gift was not terribly long either. I'm a happy customer :) "

As seen on Google

⭐⭐⭐⭐⭐

Review by Dominic Koh

"Been signing up for my credit cards through Moneysmart, seamless process everytime. I personally prefer the sign up gifts offered by Moneysmart, and fulfilment of the gifts has not been an issue so far. Keep it up Moneysmart team!"

As seen on Google

⭐⭐⭐⭐⭐

Review by Jude Lu

"Great credit card promotions! I needed some help with some of their campaign rewards and my email was replied within 1 business day. Thanks!"

As seen on Google

Citibank Online

If you’re a Citibank credit cardholder, login to Citibank Online with your debit or credit card details to view and redeem your rewards. Alternatively, you can download the Citibank SG mobile app to view your Citi bank credit card statements, and bills at a glance.

Citi Rewards Singapore

How to redeem my Citibank ThankYou rewards points? You can use Citibank Instant Rewards to redeem cash rebates, vouchers, discounts, or transfer them to your preferred frequent flyer air miles account.

Citibank Rewards points

You can redeem your Citi Rewards points for cash rebates in blocks of $10, $20 and $50 (conversion rate is 4,200 points or 1,400 miles = $10). SMS the following to 72484 “RWDS <space> last 4 digits of your card number CASH10 or CASH20 or CASH50”. The Citi ThankYou rewards points are separate and different from the Citi SMRT$ cash rebate points.

Citibank Rewards catalogue

You may choose to swap your Citi Rewards points for merchandise, vouchers, travel bookings such as flights and hotels, and even cash rebate credits. Head to the Citibank Rewards Catalogue for redemption and updates on the latest deals and promotions

Citibank miles redemption

You can also redeem your rewards points for air miles, specifically 5 rewards points for 2 air miles. There is an administrative charge of $25 (excluding GST) for each transfer of points to miles though, so make sure you accumulate enough points before you request to transfer them to your frequent flyer account.

Bring Home The Bigger Gifts You Want & Need With SmartPoints

Get rewarded with SmartPoints when you apply for selected credit cards through MoneySmart. If you don’t need a Dyson hair dryer or vacuum cleaner, you can get the gift that you really want at our Rewards Store, whether it's the latest Apple and Sony gadgets or Amazon vouchers and beyond!

2 Ways To Earn SmartPoints

#1: Apply for financial products

Compare and apply for financial products to earn a massive amount of SmartPoints—as much as 5,100! Currently, you can earn SmartPoints on selected Citibank, Standard Chartered, OCBC, and HSBC credit cards, with more products to be included soon.

#2: Top-up your SmartPoints for bigger gifts

Not enough SmartPoints to redeem a specific reward? Don’t fret! Simply purchase additional SmartPoints from our store, and you’ll be able to redeem any reward you want.

Imagine this: you earn 5,040 SmartPoints by signing up for a financial product. Now, an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) might set you back over $500 elsewhere. But with your SmartPoints, you only need to add 1,100 SmartPoints more. So, it’s like getting a sleek new iPad for just $110. Who doesn’t love a good deal?

Here’s another illustration of how the top-up of SmartPoints works: What you can get using Smartpoints

Visit our Rewards Store to explore our range of rewards today.

Citibank Credit Card Interest Rate

How is Citibank’s credit card interest calculated? The interest rate for Citibank credit cards is 27.9% per annum. That means, if you don’t pay your credit card bill in full this month, the amount which you didn’t pay on time will be charged interest for every month that you continue not to pay for it. How much is the interest? Citibank’s credit card interest rate is 27.9% per year, which you can divide by 365 days to get an effective interest rate of 0.076% per day. If there are 31 days this month, you multiply that daily interest rate to get 2.37% per month, which is also what you will be charged.

Earn SmartPoints With These Credit Cards

Citibank

Citi Cash Back+ Credit Card

Standard Chartered

Standard Chartered Simply Cash Credit Card

HSBC

HSBC TravelOne Credit Card

Citibank Cash Back

If you’re using a Citibank cash back credit card, you earn bonus cash rebates on eligible purchases from selected merchant categories like dining, petrol and more. This cash back earned will be automatically credited to your credit card account to offset the balance.

Citibank PayNow

Citibank users can use PayNow too. To activate PayNow, login to Citibank Online or the Citi Mobile app to link your mobile number or NRIC/ FIN to your Citibank account. Once that is done, you will be able to receive and send money instantly via QR code or your mobile number.

Citibank Singapore Hotline

To find out more about Citi credit card application status, features, benefits, rewards, request for overseas use activation or annual fee waiver for your Citi credit card, call the 24-hour Citibank customer service hotline at 6225 5225.

There is no dedicated Citibank credit card hotline, but the general Citibank customer service hotline (as above) operates 24-7. You can expect a reply within 2 business days and an update within 14 business days. If the hotline officer is unable to help you, you may ask (politely, of course!) to speak to a hotline manager and/or be redirected to the Customer Experience Unit.

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Citibank Credit Card Overseas Activation

Activate your Citibank credit card for overseas use if you are traveling soon. You will be able to make retail purchases (you will be chargedforeign currency exchange rates and transaction fees) and withdraw money at ATMs. By default, all new cards are deactivated for overseas use unless you stated otherwise during application. Activation and deactivation can be done immediately via SMS, the Citi Mobile app and Citibank Online website.

More From The MoneySmart Blog

Check out our blog for more personal finance tips and insights.

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Frequently Asked Questions

How to activate Citibank credit card?

If you have just received a new Citibank credit card in the mail, you will need to activate your credit card via the Citibank SG mobile app from the App Store or Google Play store. Once downloaded, open the app, and you will see an option to “Activate card.” Follow the instructions to activate your credit card with a One Time Pin and the CVV of your card. If you cannot find the Citi Mobile app, you can SMS “CITIMOB” to 72484. Alternatively, you can log on to Citibank Online, log in with your user ID and password, click on “My Profile”, followed by “Card Activation”.

How to check Citibank credit card bill through SMS?

You can SMS Citibank to check your account and credit card information. To check your latest credit card balance, SMS “BAL (space) last 4 digits of your credit card number” to 72484. To check your available credit line and any outstanding bills, SMS “CARDBAL (space) last 4 digits of your credit card number” to 72484.

How to pay Citibank credit card bill?

There are several ways to pay your Citibank credit card bill: Those with Citibank accounts can do so via online banking or the Citi Mobile app. If you don’t have a Citibank account, you can pay your bills via FAST (Fast And Secure Transfers) and Citibank SMS Pay. If you’re opting for SMS Pay, you will need to do a one-time application to set up and authorize Citibank to collect payment from your nominated bank account.

How to waive Citibank credit card annual fee?

To get a Citibank annual fee waiver, call Citibank’s customer service hotline at 6225 5225, and the automated voice response service will take you through your request. Alternatively, you can write an email to Citibank online or visit your nearest Citibank branch to submit your annual fee waiver request.

How to redeem Citi Miles?

To convert Citi rewards points to miles, log in to your Citi ThankYou rewards points account online, click on the “Travel” option, followed by “Points Transfer”.

How to redeem Citibank cash back?

If you’re using a Citibank cashback card such as the Citi Cash Back Card or Citi SMRT Card, you don’t have to do anything to redeem the cashback. Once you’ve accumulated sufficient cash back in your credit card account, it will automatically be credited and reflected in the credit card statement.

How to cancel Citibank credit card?

To cancel your credit card, call Citibank customer service at 6225 5225 to request for your card to be canceled. Always pay your credit card bills in full, and redeem your rewards points and air miles first.