Citi Rewards Card
Apply now and redeem any of these:
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MoneySmart Exclusive
Guaranteed S$380 Cash via PayNow
Guaranteed S$380 Cash via PayNow
FREE with SmartPoints
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
FREE with SmartPoints
Shopee Voucher $450
6075 SmartPoints
worth S$450
Shopee Voucher $450
6075 SmartPoints
worth S$450
FREE with SmartPoints
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
Only $86 with SmartPoints
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Only $1173 with SmartPoints
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
View more rewards
View more rewards
Get S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) when you charge a min. of S$500 within 30 days!
PLUS, win a S$15,000 Dream Holiday to your preferred destination! T&Cs apply.
Valid till 09 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 05-June 2026 to 09-June-2026
Applicable for New-to Citibank Cardmembers only
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 Rewards, Cashback, SMRT and M1 credit cards.
Log into your MoneySmart account and submit your claim by 9th July 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Choose between S$380 Cash via PayNow OR 6,140 SmartPoints when you meet the criteria above.[MoneySmart S$15,000 Getaway Lucky Draw]
Grab an extra gift! Stand a chance to win a S$15,000 Dream Holiday to your desired destination when you apply and meet the spend criteria! T&Cs apply.*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
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!
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.
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.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Card Details
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.
What Makes MoneySmart Trustworthy 👉
Citi Rewards Credit Card Benefits
This card allows you to accumulate Citi ThankYou Points, which can be converted into miles, earned through online and offline shopping, using ride-hailing apps like Grab or Gojek for transportation, or making purchases through online food delivery and grocery shopping.
Having all these perks may sound appealing to you, but is it really suitable for your spending habits and lifestyle? Let's find out in this quick review.
Customer Reviews on MoneySmart Credit Card Applications
Review by Amos Kuek Qi Xiang
Review by AaronZill
Pros & Cons of Citi Rewards Credit Card
Pros ✅
- 10X Citi ThankYou Points (equivalent to 4 miles) per $1 spent on online grocery, online food delivery, ride-hailing, and more
- 10X Citi ThankYou Points (equivalent to 4 miles) per S$1 spent for in-store shopping at department stores, clothing, and more
- 1X Citi ThankYou Points (equivalent to 0.4 miles) per $1 spent on all other categories
- Flexibility to earn and accumulate Citi Miles, Citi ThankYou PointsSM or get cashback benefits from big-ticket payments such as rent, insurance premiums, education expenses, taxes, utilities and more
- Up to 14% fuel savings at Esso and Shell
- Up to 17% fuel savings at Caltex
- Complimentary first-year annual fee waiver option available
- Up to S$1 million complimentary travel insurance coverage when you charge travel fare to card
- Exclusive access to Citi World Privileges for special deals and discounts locally and in over 90 other countries
- No minimum spend
Cons ❌
- Higher prevailing retail interest rate of 27.9% p.a.
- 10X Citi ThankYou Points per S$1 spent on selected categories excludes travel-related and mobile wallet transactions
- Bonus Citi ThankYou Points capped at 9,000 points (S$1,000 spend) per statement month
- Citi ThankYou Points expire after 60 months / 5 years of earning
Is Citi Rewards Rewarding Enough?
Find out if the Citi Rewards Card should be the latest credit card addition to your wallet in our card review below!
Comparison: Citi Rewards vs HSBC Revolution vs DBS Woman’s World Card
At the moment, there are several popular credit cards offering attractive rewards that you can convert to either cash or air miles or other forms of benefits. Citi Rewards Card is just one of them, and comparable alternatives like HSBC Revolution Card and DBS Woman's World Card are some of the options listed on MoneySmart's online credit card comparison wizard which you can consider as well.
Let's put these 3 credit cards side by side.
Annual fee:$196.20 (First year waived)
Minimum annual income:
Rewards benefits:
Annual fee:N/A
Minimum annual income:
Card benefits:
Annual fee:$196.20 (First year waived)
Minimum annual income:$80,000
Card benefits:
If you're looking for lower interest rates and a guarantee of no annual fee charges (without the hassle of requesting waivers), the HSBC Revolution Card is more suitable, plus it has the lowest barrier to entry for foreigners looking to qualify for a rewards credit card based on the minimum annual income requirement.
Citi Rewards Credit Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats | |
|---|---|---|
| Age | Singapore Citizens / PRs21 and above | Foreigners / Expats21 and above |
| Income | Singapore Citizens / PRs$30,000 | Foreigners / Expats$42,000 |
| Documents required | Singapore Citizens / PRsFor salaried employees: For self-employed: | Foreigners / Expats |
How to Apply for Citi Rewards Credit Card in Singapore
Apply via MoneySmart
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
Provide all documentation required
You'll need to provide all the necessary documentation in order for Citibank to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months' CPF Contribution History Statement
- Latest 2 years' Income Tax Notice of Assessment (NOA)
Receive your Citi Rewards Card
Thereafter, it’s ready for you to use on any of your purchases and you can track your rewards with your Citi Mobile® App!
Frequently Asked Questions About Citi Rewards Credit Card
What are the fees payable when I apply for the Citi Rewards Credit Card?
- The Citi Rewards Credit Card charges an annual fee of $196.20 (First year waived), as well as cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
Am I eligible for the Citi Rewards Credit Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi Rewards Card.
If I’m late for my monthly Citi Rewards Credit Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Citibank at the point of your late payment.
How to redeem Citi Rewards Credit Card rewards points?
- You can redeem Citi ThankYou Points for a myriad of rewards. You can redeem travel bookings, gift cards, shop with points, earn cashback, transfer points across loyalty programmes, share points with other ThankYou members, and even donate to charities.
To convert points into frequent flyer miles, ensure you:
- Have a Frequent Flyer Programme Account e.g. Singapore Airlines (KrisFlyer miles), Cathay Pacific (Asia Miles)
- Log into Citi online banking or Citi Mobile app > Rewards > Redeem Points > Choose either “Miles” or “Travel” category
- Transfer minimum number of points into miles (e.g. 25,000 ThankYou Points = 10,000 miles)