Unlock Exclusive Rewards
Earn 5,100 SmartPoints or S$300 cash when you apply and meet the minimum spend within 30 days from card approval date. T&Cs apply.
Why Choose SmartPoints?
Enjoy the ultimate flexibility to redeem ANY gift at our Rewards Store.
Short on points? Simply pay the difference with cash, and grab your desired gift today!
Promotion is valid from 01-March-2024 to 15-March-2024
Applicable for New-to Citibank Cardmembers only
Customers need to apply through MoneySmart to be eligible
Log into your MoneySmart account and submit your claim by 15th April 2024
*Faster Rewards Redemption: Receive your Reward as fast as 6 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Charge S$500 in qualifying transactions within the first 30 calendar days from the Credit Card approval date to qualify for your Reward.
Get S$300 Cash via PayNow as your reward
OR Earn 5,100 SmartPoints which can be used to redeem any product from the Rewards Store here.
Use SmartPoints earned to redeem:
- Apple iPad Wi-Fi 9th Gen, 64GB
- S$510 Grab Vouchers
- Nintendo Switch OLED
- Everdesk+ Lite Standing Table
- ErgoTune Supreme V3 Ergonomic Chair AND many other products!
SmartPoints will be credited into your SmartPoints Wallet with a validity period of 60 days. T&Cs apply.
For more information regarding SmartPoints, refer to our FAQ here.
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.
Families or individuals who are avid shoppers and consistently shop online and offline. Earn up to 10X Points and enjoy the flexibility on how you want to redeem the points. You can offset your purchases with the points earned, redeem for vouchers and more!
Online: Online spend which includes food delivery, ride-hailing and online groceries. Shopping: Shopping spend which includes department store, shoes, bags, clothing stores and more!
A convenient everyday card for daily expenditure spanning multiple categories
You want to be a Smart shopper by maximising your spend. Earn 10X Points on online and shopping purchases! T&Cs apply.
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.
Citibank's Citi Rewards Credit Card has been around for a couple of years and serves as one of the primary cards offered by the bank for spenders seeking to accumulate points within the Citi Rewards Programme. It used to be issued as a Visa credit card, but the current Citi Rewards Card has since migrated to the Mastercard network.
This card allows you to accumulate Citi Rewards points, which are convertible into miles, through various means, including online and offline shopping, using Grab or Gojek for transportation, or making purchases through online food and grocery delivery services.
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.
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 Standard Chartered Rewards+ Credit 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 and compare the key factors including the air miles benefits, interest rates, annual fees and minimum annual income requirements.
As we compare these three cards, the Citi Rewards Card seems to have the most generous welcome gift of 40,000 bonus Citi ThankYouSM Points (with a minimum spend of $800 in the first 2 months) which you can convert to cashback benefits, air miles or to offset your big-ticket item bills like insurance premiums, utilities bill, rental charges, etc.
The HSBC Revolution Card and Standard Chartered Rewards+ Card do offer welcome bonus or gifts but it is either in the form of up to $200 cashback or free luggage or a Lazada shopping voucher, all of which less attractive than Citi Rewards Card's welcome gift.
However, the Citi Rewards Card's "10X rewards points for every $1 spent" perk comes with more limitations as compared to the HSBC Revolution Card and Standard Chartered Rewards+ Card as it excludes travel-related and mobile wallet transactions.
When it comes to air miles, the Citi Rewards Card is on par with the HSBC Revolution Card and Standard Chartered Rewards+ Card as all of them offer 1 reward point for the value of 4 miles.
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.
Interest rate: 26.90%
Annual fee:$196.20 (incl. 9% GST, waiver available)
Minimum annual income:
Interest rate: 26.90%
Minimum annual income:
Interest rate: 27.90%
Annual fee:$196.20 (incl. 9% GST, first year waiver available)
Minimum annual income:
Here are 3 simple steps to apply for the Citi Rewards Card:
You may begin your application by clicking on our Citi Rewards Card application link.
When you choose to apply online or through the Citi Mobile App and via SingPass MyInfo, Citibank will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
You'll need to provide all the necessary documentation in order for Citibank to approve your credit card application. This list of documents include:
You’ll be able to activate your Citi Rewards Card instantly through the Citi Mobile® App and be invited to enter your 6-digit Unlock Code to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your rewards with your Citi Mobile® App!