Compare the Best Citibank Credit Cards in Singapore 2018

Updated October 2018

Looking for the best Citibank credit card in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.

Popular Citibank Credit Cards

Citi Rewards Card
Citi Rewards Card

S$1= 10X Points

on Bags, Shoes, Clothes (Online + Retail)

S$1 = 1 Point

on All Other Spend

1 Point = 0.4 Miles

Rewards to Miles Conversion

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Key Features

  • 10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
  • Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
  • S$1 spent = 1 Rewards point (All other spend)

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationMasterCard, Visa
Wireless PaymentMaster PayPass, Visa payWave, Samsung Pay, Citi Pay
Citibank SMRT Card
Citibank SMRT Card

5%

Cash Back at Selected Grocery Stores

S$600

Cash Back Cap per year

S$300

Min. Spend per month

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Key Features

  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers

Annual Interest Rate and Fees

Annual Interest Rate26.90%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment1% or S$50, whichever is higher
Interest Free Period25 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$42,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Samsung Pay, Citi Pay
All results loaded

Citibank Credit Cards 2018

Best ForCredit CardAnnual Fee Wavier
Cashback on dining, grocery and grab spendingsCiti Cash Back Card1st year fee waiver (U.P. S192.60)
Earning bonus miles that do not expireCiti PremierMiles Visa Card1st year fee waiver (U.P. S192.60)
Earning miles on online and retail shoppingCiti Rewards Card1st year fee waiver (U.P. S192.60)
Savings on Grocery, Fast Food, Movies and CoffeeCitibank SMRT Card2 year fee waiver (U.P. S192.60)

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Citibank Rewards Redemption

With such attractive credit card sign-up promotions, it’s easy to apply for a gazillion credit cards and shop till you drop. If you’ve accumulated a truckload of Citibank Rewards points, here’s a quick guide on Citibank Instant Rewards redemptions: You can use them to redeem cash rebates, swap for vouchers and discounts, and/or transfer them to your air miles account.

Citibank Rewards cash rebate

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 last 4 digits of your card number CASH10 or CASH20 or CASH50.

Citibank Rewards catalogue

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

Citibank miles redemption

Your rewards cards can also help you earn air miles (5 rewards points = 2 air miles). There is an administrative charge of $25 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.

Citibank Credit Card Interest Rate

If you meet the minimum payment amount (shown on your Citibank credit card statement) by your statement due date, the retail interest rate applied to your outstanding balance is 26.9%. If you don’t, your account is considered past due, and the interest rate is 29.9%.

If it’s your first “offence” and you generally have a good credit standing, Citibank may lower the interest rate to 20.9%, but it’s entirely at their discretion.

Citibank Cash Rebate

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 will automatically offset your balance (you don’t have to do anything to “redeem” them).

Don’t confuse it with Citi Rebates, which are earned on top of your miles, rewards and whatever privileges your card entitles you to. Citi Rebates are like cash (1 Citi Rebate = $1), and can be used to offset your next purchase at participating merchants. The rebates never expire and there is no cap. You may check your Citi Rebate balance at the cashier or by calling CitiPhone at 6225 5225.

Citibank Singapore Hotline

Having trouble with your Citibank credit card or just want to request for an annual fee waiver? Give Citibank a ring at 6238 8833. 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.

Citibank Credit Card Overseas Activation

Activate your Citibank credit card for overseas use if you are traveling soon - you will be able to sign for your purchases (standard foreign currency exchange rates apply) and withdraw money at ATMs. By default, all new cards are deactivated for overseas use unless you selected otherwise during application. Activation (or deactivation) can be done immediately via SMS, the Citi Mobile app and Citibank Online website.

Frequently Asked Questions

How to get a Citibank annual fee waiver?

An annual fee is just a yearly fee imposed on cardholders for well, simply owning your credit card. Most credit cards come with the first year waived. Subsequently, you can request for an annual fee waiver by calling the general Citibank customer service hotline at 6238 8833.

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. For the last one, 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 cancel Citibank credit card?

Cancelling your credit card will affect your creditworthiness, and may make it harder to get a credit card in future. However, if for whatever reason you’ve already decided to break up with your Citibank credit card, you will have to call CitiPhone at 6225 5225 to request for your card to be canceled. Tip: Always pay your outstanding debts and redeem your points first - you don’t want to have to pay interest and have your hard-earned rewards forfeited!

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 cash rebates. Once you hit the requirements to be eligible for the cash back, it will automatically be reflected in the current month’s statement.