14%

Max. Savings at Esso & Shell

14%

Instant Discount at Esso & Shell

1 Point

per S$1 spent at all Other Petrol Stations

All Details

• Key Features

  • 10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply

  • 10X Rewards on Ride-hailing, Shopping and Online 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 spent = 1 Rewards point (All other spend). No minimum spend required, no cap

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.

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

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

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)

Dining

Very Good

• Earn 10X Citi Rewards awarded per S$1 spend on online food delivery such as GrabFood, Deliveroo, Wines N Spirits etc.

Annual Interest Rate and Fees

Annual Principal Fee	S$192.60
Supplementary Annual Fee	S$96.30
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

Card Association

Mastercard

Wireless Payment

MasterCard PayPass
Apple Pay
Samsung Pay
Google Pay
Citi Pay

Rewards Redemption Documents

Claim Form	Claim Here
Terms and Conditions	Check Eligibility
Promo Validity	Click Here

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