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    Find The Best Citibank Credit Card

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    Citi Singapore offers 9 credit cards to retail customers of which 1 is a complimentary card that can be used in conjunction with a main card for exclusive benefits. You may earn cashback/cash rebate, rewards points (Citi Dollars), and Citi Miles on your card, depending on the primary spend category your card represents. If you have a co-branded card such as the Citibank SMRT Card, you can not only save on your daily spends throughout the year but can also redeem your accumulated SMRT$ for gift vouchers or cash rebates. Similarly, with the Citi M1 Card, you’ll earn Citi Rebate on M1 utility bills. You can redeem Citi Rebates at more than 300 participating merchant outlets. Plus, you can earn Citi Miles on the travel cards at attractive rates and use them to book flights on partner airlines. Citi Miles never expire.

    Citi PremierMiles American Express Card: Best for Earning Miles Quickly

    • 2 Citi Miles per S$1 spent on SilkAir and Singapore Airlines tickets.
    • 2 Citi Miles per S$1 spent overseas.
    • 1.3 Citi Miles per S$1 spent locally.

    The miles earned on your card will never expire. You can also earn miles on your card spends without having to worry about a minimum spend requirement. You can redeem your miles anytime you want. Plan a foreign holiday according to your convenience instead of being forced to arrange one in a slapdash manner just to save your miles from expiry. Not only can you make your flight tickets more affordable with your Citi Miles but you can also use them to pay for your hotels and other travel arrangements. You can also earn 15,000 additional Citi Miles by renewing your card membership.

    Other key benefits include access to Priority Pass airport lounges around the world, dedicated helpline for assistance anytime during the day, travel insurance of up to S$1 million, retrieval assistance under Travel Guard, exclusive privileges and offers under the American Express Selects programme, and special deals under the Citi World Privileges programme. Don’t miss out on the promotions that are available on the card throughout the year.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$267.50 26.9% p.a. 26.9% p.a.

    Citi PremierMiles Visa Card: Best for Miles Redemption Across a Variety of Airlines

    • 2.4 Citi Miles per S$1 on overseas spends.
    • 1.2 Citi Miles per S$1 on local spends.
    • No cap on the miles earned.

    With this card, you can use the Citi Miles earned on eligible spends across a number of airlines. 1 Citi Mile is equal to 1 mile across loyalty programmes such as Qatar, Orchid Plus, Enrich, Garuda Frequent Flyer, Executive Club, KrisFlyer, Qantas, Asia Miles, Flying Blue, Etihad Guest, and Infinity MileageLands. Since your miles never expire, you can convert them to air miles redeemable under partner airline loyalty programmes or gifts and cash rebates redeemable under the Citi ThankYouSM Rewards programme. You’ll receive a travel cover of up to S$1 million.

    If you’re not a Citi credit cardholder already, you can earn 30,000 Citi Miles when you apply for this card and spend at least S$7,500 within 3 months of the approval of your card. Alternatively, you can earn cash back worth S$120 and a waiver of annual fees for the first year. If you’re already a Citi cardholder, you can earn up to 23,000 Citi Miles and an e-voucher from Kaligo worth S$100. Joining perks are valid until 31 October 2018.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 26.9% p.a. 26.9% p.a.

    Citi Prestige Card: Best for Premium Lifestyle

    • 24-hour concierge service for your lifestyle and travel needs.
    • Unlimited access to hundreds of Priority-Pass VIP airport lounges around the world.
    • Golfing benefits.

    When you use this card overseas, you can earn 5 Citi Dollars or 2 Citi Miles per S$1. When you use the card locally, you can earn 3.25 Citi Dollars or 1.3 Citi Miles per S$1. If you utilise other services offered by the bank in addition to being a cardholder, you may earn up to 30% Citi Dollars additionally. The rewards points earned on your card can be converted into miles under corresponding frequent flyer programmes of airline partners or they can be converted to cash rebates. You may also redeem your Citi Dollars instantly at certain outlets in Singapore.

    For renewing the membership of your card, you’ll get 62,500 Citi Dollars equivalent to 25,000 Citi Miles. If you apply for this card, you’ll receive an additional 62,500 Citi Dollars or get a tablet worth S$498. When you reserve a hotel room through Citi Prestige Concierge, you may enjoy a complimentary night stay, subject to fulfilment of conditions. With this card, get one-way complimentary limousine transfers to and from Changi Airport and get up to 10% Citi Rebates.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$535 26.9% p.a. 26.9% p.a.

    Citi Rewards Credit Card: Best for Shopping

    • Earn 10 Rewards points per S$1, locally or overseas, on purchase of bags, shoes, and clothes.
    • Earn 10 Rewards points per S$1 for online shopping, subject to conditions.
    • Earn 10 Rewards points per S$1 when you shop from departmental stores, locally or overseas.

    For all other eligible spends on this card, you’ll get 1 Rewards point for every S$1 you spend. You can redeem the Rewards points for hotel reservations, flights, gadgets, and other gifts. The greatest benefit of using this card is that you have the choice of redeeming the points through multiple channels. You may redeem these points for a gift under the Citi ThankYouSM Rewards programme, use them to get vouchers that allow instant redemption at participating merchant outlets, use it to earn cash rebate by sending an SMS, convert the points into miles under certain frequent flyer miles programmes, or convert them to membership points under select hotel membership programmes.

    In addition, enjoy peace of mind when you travel overseas with travel protection of up to S$1 million. You’ll also get up to 10% Citi Rebate when you shop at more than 300 shops across the island. Also, exclusive travel offers from online websites such as Agoda, Hotels.com, and more await you. You can also save up to 14% on fuel at Shell and Esso.

    Annual Fee Transactions Rates Cash Advance Rates
    S$192.60 26.9% p.a. 26.9% p.a.

    Citi Cash Back Card: Best Card for Car Owners

    • 8% cash back on fuel across the island.
    • Link EZ-Pay with your card and make ERP payments conveniently.
    • Save up to 20.88% at Esso & Shell.

    Apart from high savings on fuel and special perks for car owners, the card gives you money back on many other spends. Are you an epicure? This card is great for you since you can earn up to 8% cash back whenever you dine outside. Instead of eating out, if you love cooking at home, there’s good news, again. You’ll also get up to 8% cash back on grocery and supermarket spends. Till 31 December 2018, you’ll also receive up to 8% cash back on Grab rides or when you top up your GrabPay wallet. Spend S$888 in a month to earn the maximum cash back of 8%. The base cashback earnings rate of 0.25% applies to all other retail spends. No minimum spend or cap applies to this bracket.

    Enjoy a number of great insurance deals with SmartDrive Motor Insurance. With this card, get a travel insurance cover of up to S$1 million. You’ll also enjoy attractive dining deals with the Citibank Gourmet Pleasures programme. Citi World Privileges on your card will further make your travelling, shopping, and dining rewarding. Don’t miss out on the 10% Citi Rebate that you can enjoy when you shop at more than 300 participating merchant outlets. Apply for this card before 31 December 2018 and get cash back worth up to S$120.

    Annual Fee Transactions Rates Cash Advance Rates
    S$192.60 26.9% p.a. 26.9% p.a.

    Citibank SMRT Card: Best Card for Grocery

    • Up to 5% savings on groceries purchased from supermarkets such as Giant, FairPrice, and Sheng Siong. It can go up to 7.3% when you shop from FairPrice Xtra Kallang Wave, subject to fulfilment of conditions.
    • Up to 3% savings on online shopping. Terms and conditions may apply.
    • Up to 5% savings on movies, coffee, and fast food. Terms and conditions may apply.

    When you use this card to automatically top up your EZ-Reload wallet, you can save up 2% on EZ-Reload transactions. In addition, you won’t have to pay a convenience fee. If your total monthly spend is less than S$300, your SMRT$ earning rate will be affected by 0.3%. Other spend categories also have minimum spends per transaction. Check the bank’s website for more information. Redeeming SMRT$ is easy. You can either log into your online account to redeem your SMRT$ for vouchers or you can send an SMS to a designated bank number to redeem them for cash rebates.

    If you apply for this card and spend at least S$200 from the first month to the sixth month after card approval, you’ll get cash back of up to S$20 per month. That means, you can receive cash back of up to S$120 as welcome gift. Use the EZ-Reload facility on this card for automatic recharge to ensure that your EZ-Link balance is always sufficient.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 26.9% p.a. 26.9% p.a.

    Citi M1 Card: Best Card for Payment of Recurring Bills from M1

    • Earn up to 10% Citi Rebate on recurring M1 bills
    • Earn up to 1% Citi Rebate on purchases made at M1 stores.
    • 10% discount on accessories purchased at M1 stores.

    For all retail spends, the base rate is 0.3%. Citi Rebate can be redeemed at more than 300 outlets in Singapore. If you spend at least S$600 in a month, you’ll earn Citi Rebate of 10% on your recurring M1 bills. If you spend between S$300 and S$600, you’ll earn Citi Rebate of 3%. If you spend less than S$300, you’ll earn Citi Rebate of 0.5%. Citi Rebate can be used to offset M1 bills, can be converted to SunPerks points, can be converted to KrisFlyer Miles, or can be used to offset retail spends. With this card, you can enjoy waiver of Data Passport activation fees and get replacements for lost/damaged M1 SIM cards. If you purchase a handset worth S$200 or more, you’ll also have the option to choose an interest-free instalment plan spread over 24 months. Apply for this card before 31 December 2018 to get up to 24GB free data for 12 months.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$192.60 26.9% p.a. 26.9%

    Citibank Clear Card: Best Card for Students

    • Up to 10% Citi Rebate offered at a number of merchant outlets.
    • Attractive dining deals under the Gourmet Pleasures programme.
    • Save up to 14% on fuel purchased at Shell and Esso.

    Are you a student in the tertiary education level? This card is an option for you since there is no minimum income requirement. The annual fee on the card is just S$29.96 and you’ll enjoy a waiver for the first year. You can apply if you’re at least 18 years old.

    "You can enjoy dining privileges at several restaurants and fast food joints across the city through this card. Enjoy up to 10% Citi Rebate at Starbucks, Subway, and around 300 other participating outlets. For every S$1 you spend on this card, you’ll also earn 1 Citi Dollar, redeemable for shopping vouchers, cash rebates, and merchandise under the Citi ThankYouSM Rewards programme. You may also use your points at participating stores in Singapore to offset your purchase amount. In order to redeem your points for cash rebate, simply send an SMS to the bank. For every block of 4,200 points, you’ll get a cash rebate of S$10. Cash rebates are available in denominations of S$10, S$20, and S$50.

    Annual Fee Interest Rate for Transactions (p.a.) Interest Rates for Cash Advance
    S$29.96 28% p.a. 28% p.a.

    Compare Citi Miles Cards

    Citi has two miles cards in its portfolio. You can earn Citi Miles on eligible transactions. Moreover, these miles don’t expire. You can convert them conveniently to miles under frequent flyer miles programmes or hotel loyalty programmes. Usually, 1 Citi Mile is equal to 1 mile and 1 Citi Mile is equivalent to 1 HG Rewards Club point. Miles can also be used for instant redemption at merchant outlets or for cash rebates. Let’s take a quick look at the benefits offered by the different Citi Miles card:

    Citi PremierMiles American Express Card Citi PremierMiles Visa Card
    Miles earned locally^ 1.3 1.2
    Miles earned overseas 2 2
    Miles earned on bookings made through Agoda (Valid until 31 December 2018) 7 7
    Miles validity Unlimited Unlimited
    Miles on membership renewal 15,000 10,000
    Free travel insurance Yes Yes
    Welcome bonus (miles)* NA 30,000 for new and 23,000 for existing customers
    Airport lounge access Yes Yes
    Hotel privileges Yes Yes
    Free limo transfer No No

    *Welcome bonus (miles) are subject to terms and conditions. Please check with your card issuer before you apply for a card. ^All miles earned are on a per dollar spent basis

    Compare Citi Rewards Cards

    Citi rewards cards offer rewards points in the form of Citi Dollars. You’ll also enjoy Citi Privileges. Here are the key highlights of each card:

    Citi Prestige Card Citi Rewards Credit Card Citibank Clear Card
    Shopping 5 (Overseas) 3.25 (Local) 10 1
    Purchases Made from Departmental Stores 5 (Overseas) 3.25 (Local) 10 1
    Online Shopping 5 (overseas) 3.25 (local) 10 1
    All Other Retail Spends 5 (overseas) 3.25 (local) 1 1
    Welcome gift* 62,500 Citi Dollars or Tablet worth S$498 Cash Back Worth S$120 NA
    Citi Rebate Up to 10% Up to 10% Up to 10%
    Dining Privileges Yes Yes Yes
    Golfing Privileges Yes No No
    Travel Protection Yes Yes No
    Concierge Service Yes No No

    *Welcome gifts are subject to terms and conditions. Please check with your card issuer before you apply for a card.

    Compare Citi Cashback/Cash Rebate Cards

    Citi offers 3 cashback/cash rebate cards. For the SMRT Card, the savings are in the form of SMRT$, which can be redeemed for cash rebates or vouchers. Other cards offer cash back or cash rebate. Here’s a look at the salient features of each card:

    Citi Cash Back Card Citibank SMRT Card Citi M1 Card
    Cash back/rebate on dining 8% 5% 0.3%
    Cash back/rebate on groceries 8% 5% (7.3% for FairPrice Xtra Kallang Wave) 0.3%
    Cash back/rebate on Grab 8% 0.3% 0.3%
    Cash back/rebate on online shopping 0.25% 3% 0.3%
    Cash back/rebate on entertainment 0.25% 5% 0.3%
    Cash back/rebate on movies 0.25% 5% 0.3%
    Cash back/rebate on EZ-Reload 0.25% 2% 0.3%
    Cash back/rebate on petrol Up to 20.88% Up to 14% Up to 14%
    Cash back/rebate on M1 recurring bills 0.25% 1% Up to 10%
    Welcome offers* Cash back worth S$120 Cash back worth S$120 Up to 24GB FREE M1 data for 12 months
    Dining Privileges Yes Yes Yes
    Citi Rebate Yes Yes No
    Free travel insurance Yes No No
    Citi World Privileges Yes No No

    *Welcome offers are subject to terms and conditions. Please check with your card issuer before you apply for a card.

    Why Citi Credit Cards: Features and Benefits

    • Get discounts on taxi rides and self-drive car services when you travel abroad, and reduce your local commuting expenses in those countries.
    • Enjoy exclusive dining privileges at some of the finest restaurants, and get discounts when you book rooms at renowned hotels in town and across the world.
    • Pay your utility and other recurring bills with ease, at no additional cost. You can also get access to more than 880 AXS terminals all over the island to help with recurring bill payments.
    • Pay your bills from anywhere in the world using the global applications, mobile banking, and online banking facilities from Citi.
    • Transfer your existing credit card bills to the Citi Credit Card Balance Transfer facility and pay off your dues with the help of low-interest plans from Citi.
    • The bank also offers the Citi Esso Mobil Privilege Card to its primary cardholders. This card helps you make hassle-free petrol payments and gives you savings of up to 20.88% when you purchase petrol at Esso fuel stations. You can earn Esso Smiles points as well as Citi credit card rewards on this card.

    Citi Credit Card Eligibility Requirements

    In order to get a credit card of your choice, you need to first fulfil certain eligibility requirements. Each card has varying requirements and the same are given below:

    Card Name Minimum Income for Citizens and PR (p.a.) Minimum Income for Foreigners (p.a.) Minimum age Other Criteria
    Citi PremierMiles Visa Card S$30,000 S$42,000 21 years NA
    Citi Rewards Card S$30,000 S$42,000 21 years NA
    Citi Cash Back Card S$30,000 S$42,000 21 years NA
    Citi Prestige Card S$120,000 S$120,000 21 years NA
    Citi SMRT Card S$30,000 S$42,000 21 years NA
    Citi M1 Platinum Visa Card S$30,000 S$42,000 21 years Must be an existing M1 customer
    Citi Clear Card S$0 S$0 18 years^ NA

    ^Applicants who are less than 21 years old should get their parents’ or guardian’s approval on the application, and give guarantees to pay for any balances that remain unpaid.

    Citibank Credit Card

    Documents Required

    Salaried individuals:
    • Copies of the front and back of your NRIC or a copy of your passport, and
    • Latest original payslip (computerised), or
    • Income tax assessment notice, or
    • 12 statement of your contribution towards CPF.
    Self-employed individuals:
      • Copy of your NRIC (front & back), or a copy of your passport, and
      • Notice of assessment of income for the last two years, and
      • Bank statements for the last three months.
    Foreigners:
    • Copies of your work permit and passport, and
    • One copy of a utility bill (or your bank statement) with your local address and name, and
    • Latest payslip (computerised) and income tax assessment notice.

    Citi Card Promotions

    Citi cards offer additional discounts, offers, and promotions on travel, groceries, online shopping, and other categories. Check out dedicated Citi promotions page to know more.

    Find More

    Citi Card Reward Programmes

    Citi rewards you in numerous ways when you use your credit card to make purchases, reservations, pay bills, and more. Earn miles, points, cash back, and rebate among other deals.

    Find More

    Citi Card Hotline

    You can contact the bank’s customer service centre for any queries. Citi has dedicated hotline numbers to assist you with card activation, general enquiries, and other services.

    Find More
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