S$1= 10X Points

Shopping and Online Spend, including Food Delivery and Groceries

S$1= 10X Points

Grab and Gojek

S$1 = 1 Point

All Other Spend

All Details

• Key Features

  • 10X Rewards on online and shopping spends (excludes travel-related and mobile wallet transactions). Bank's T&Cs apply

  • 10X Rewards on Ride-hailing, Online Groceries and Food Delivery spends. T&Cs apply

  • 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate

  • 10X Rewards capped at 10,000 Points per statement month and expires every 5 years

  • 10X Rewards = 4 Miles

  • S$1 spend = 1X Rewards (All other spend). No minimum spend required, no cap

  • 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.

Buffet Promotion

• 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

Shopping

Excellent

Supports selected Departmental, Retail and Online stores

• Earn 10X Citi Rewards per S$1 spend at department stores and clothing, shoes, and bags retail stores worldwide

• Department stores: Shopee App, Lazada, Taobao App, Tokyu Hands etc.

• Clothing: From infant, children’s, women’s, men’s, to sports, shoes, accessories, luggage, and leather goods shops such as Zalora, Mr Porter, Gap, and Love Bonito

• General exclusions apply, including mobile wallet services such as GrabPay, and travel-related merchants such as airlines

• 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

Online Shopping

Excellent

Supports selected Online stores. *Bank's Terms and Conditions apply

• 10X Citi Rewards awarded per S$1 online spend, including online groceries

• Online groceries: Cold Storage, EAMart, NTUC FairPrice, Giant, Sheng Siong, Market Place by Jasons, Don Don Donki, Taobao website, etc.

• 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

Rewards

Very Good

• Base reward points earn rate: 1X Reward per S$1 spend

• 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate, effectively totalling to 10X Rewards (or 4 miles equivalent)

• 10X Rewards a10X Citi Rewards Program cap: Bonus rewards points capped at 9,000 Rewards points per statement month at 10,000 Points per statement month

• Eligible Citi 10X Rewards program categories: Online and shopping, rides with Grab, Gojek and more, online food delivery, online groceries

• Redeem rewards points across multiple categories via the Citi ThankYou Rewards catalogue site for Apple AirPods with charging case for 74,200 Points, shop with points at Amazon, cash rebates, and more

• Rewards points expire in 60 months (5 years)

• 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

Dining

Very Good

• 10% off with minimum spend* online and in-stores Promo code: CITILBNEWXXXXXX (XXXXXX refers to first 6 digits of the Citi Card number)

• 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
Fee Waiver	Available
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 $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

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Apple Pay
Samsung Pay
Google Pay
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