14%

Max. Savings at Esso & Shell

1 Point

per S$1 spent at all Other Petrol Stations

10X Points = 4 Miles

Rewards Conversion

All Details

• Key Features

  • 10X Points for online purchases (for online grocery, food delivery, ride-hailing and more). Excludes mobile wallet and travel-related transactions. Bank's T&Cs apply

  • 10X Points for shopping purchases (for department store, clothing stores and more). Bank's T&Cs apply

  • 1X Point for all other purchases Bank's T&Cs apply

  • For every 10X Points Eligible Transaction charged to the Eligible Card, an Eligible Cardholder will be awarded:

  • (i) 1 Base Point for every S$1 of a 10X Points Eligible Transaction (“Base Points”); and

  • (ii) 9 Bonus Points for every S$1 of a 10X Points Eligible Transaction (“Bonus Points”).

  • Points shall be calculated on the amount of each 10X Points Eligible Transaction, rounded down to the nearest S$1.

  • Base Points are not subject to any cap. However, Bonus Points are subject to a cap of 9,000 Bonus Points per statement month.

  • 10X Points = 4 Miles

  • Rewards points expire at the end of 60 months (5 years). Each subsequent Points Validity Period will commence on the expiry of the previous one.

  • Offset your purchases with Citi Pay with Points or choose to redeem for merchandise or shopping vouchers through Citi ThankYouSM Rewards

  • With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYouSM Points 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.

Rewards

Excellent

• Redeem rewards points across multiple categories via the Citi Mobile® App for dining and shopping vouchers, Pay with Points, cash rebates, and more

Shopping

Excellent

Supports selected Departmental, Retail and Online stores

• Earn 10X Points for shopping purchases (for department store, clothing stores and more) Bank's T&Cs apply

• Examples of Shopping purchases are:

• Department Store: TANGS, ISETAN etc.

• Clothing, Bags & Shoes: Uniqlo, ZALORA, Love Bonito, OYSHO, Timberland 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

Petrol

Very Good

Best for: Petrol transactions at Esso and Shell

• Esso: 5% Esso station discount + 5% Esso Smiles discount + 4% Citi Card discount = Total of 14% savings effectively

• Shell: 5% Shell site discount + 5% Shell GO+ 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

Dining

Very Good

• Find out Citi Exclusive deals at https://www.citiworldprivileges.com/sg-singapore

Buffet Promotion

Very Good

• Find out Citi Exclusive deals at https://www.citiworldprivileges.com/sg-singapore

Annual Interest Rate and Fees

Annual Principal Fee	S$196.20
Supplementary Annual Fee	S$98.10
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	27.9%
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	8% 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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