- Local Spend
- S$1 = Up to 1.2 Miles
- All Foreign Currency Spend including Retail and Online
- S$1 = 2 Miles
- Selected Online Hotel Bookings
- S$1 = Up to 10 Miles
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With such attractive credit card sign-up promotions, it’s easy to apply for a gazillion credit cards and shop till you drop. If you’ve accumulated a truckload of Citibank Rewards points, here’s a quick guide on Citibank Instant Rewards redemptions: You can use them to redeem cash rebates, swap for vouchers and discounts, and/or transfer them to your air miles account.
If you meet the minimum payment amount (shown on your Citibank credit card statement) by your statement due date, the retail interest rate applied to your outstanding balance is 26.9%. If you don’t, your account is considered past due, and the interest rate is 29.9%.
If it’s your first “offence” and you generally have a good credit standing, Citibank may lower the interest rate to 20.9%, but it’s entirely at their discretion.
If you’re using a Citibank cash back credit card, you earn bonus cash rebates on eligible purchases from selected merchant categories like dining, petrol and more. This cash back will automatically offset your balance (you don’t have to do anything to “redeem” them).
Don’t confuse it with Citi Rebates, which are earned on top of your miles, rewards and whatever privileges your card entitles you to. Citi Rebates are like cash (1 Citi Rebate = $1), and can be used to offset your next purchase at participating merchants. The rebates never expire and there is no cap. You may check your Citi Rebate balance at the cashier or by calling CitiPhone at 6225 5225.
Check out our blog for more personal finance tips and insights.
Having trouble with your Citibank credit card or just want to request for an annual fee waiver? Give Citibank a ring at 6238 8833. There is no dedicated Citibank credit card hotline, but the general Citibank customer service hotline (as above) operates 24-7.
You can expect a reply within 2 business days and an update within 14 business days. If the hotline officer is unable to help you, you may ask (politely, of course!) to speak to a hotline manager and/or be redirected to the Customer Experience Unit.
Activate your Citibank credit card for overseas use if you are traveling soon - you will be able to sign for your purchases (standard foreign currency exchange rates apply) and withdraw money at ATMs. By default, all new cards are deactivated for overseas use unless you selected otherwise during application. Activation (or deactivation) can be done immediately via SMS, the Citi Mobile app and Citibank Online website.