on Bags, Shoes, Clothes (Online + Retail)

on All Other Spend

Rewards to Miles Conversion

Available

Excellent

Excellent

Excellent

Very Good

Promotions

MoneySmart Exclusive: Get S$200 NTUC Fairprice OR Takashimaya OR CapitaLand Vouchers!

Apply through MoneySmart between 01 Feb 2019 - 28 Feb 2019 and get a free S$200 NTUC FairPrice Or Takashimaya Or CapitaLand Vouchers
Cards applicable for this promotion are the Citi Cash Back Card, Citi PremierMiles Visa Card, Citi Rewards Card & Citi SMRT Card
You should receive an email from us 4 weeks after the promotion period ends with more details about redemption
Only New-to-Bank Customers will be eligible for the promotion. For the full T&Cs, click here

Key features

10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)
First year fee waived for Principal and two (2) Supplementary cards

Online Shopping

Excellent

Supports selected Online stores such as Foodpanda, Lazada, Zalora & Reebonz

10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Rewards

Excellent

10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Shopping

Excellent

Supports selected Departmental, Retail & Online stores

10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Petrol

Very Good

Best for: Petrol transactions at Esso & Shell

14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
14% discount at Shell stations - 5% Shell site discount + 5% Shell Escape discount + 4% Citi Rebate (applies after Shell discount)
S$1 spent = 1 Rewards point (All other spend)

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$193
Supplementary Annual Fee	$96.30
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	$100
Minimum Monthly Repayment	1% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.80%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	$40

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$42,000

Other
Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

Citi Rewards Card