A card that’s made specifically for students, the Citibank Clear Card is one that gives you 1x Rewards for each dollar you spend on it. You also get access to some of the best deals on dining at top restaurants in the country. The other benefits offered by this card include shopping discounts, up to 10% Citi Rebates, and fuel discounts at Shell and Esso stations. Welcome to a card that is as young and energetic as you are.
|Cash rebate on dining||
|Cash rebate on all other retail spends||Up to 10% Citi Rebate at over 300 locations on eligible spends|
|Rewards points on all eligible spends||1 Citi Dollar for every S$1 spent|
|Complimentary travel insurance||No|
No income, no problem. That seems to be what this card stands for. Who says students can’t earn? Even if you don’t earn any income at the moment, you can earn rewards. Sounds fun, doesn’t it? You get 1x Rewards for each S$1 you pay using this card. Whether you’re buying food, clothes, or other specified products and services, use your card to pay for them and get rewarded for it.
A student’s life is bound to be riddled with expenses. So why not make use of the benefits offered by this credit card to reduce some of them? Heading out with your friends to Swensen’s? Get a voucher worth S$10 when you spend at least S$40. Or if you’re planning to purchase from Lazada, you can get discounts of up to 20%. The Citibank Gourmet Pleasure programme brings you a host of dining options in Singapore at discounted rates. Use these offers to satisfy the gourmand in you. If you’re driving, check out the petrol discounts of up to 14% at Esso and Shell petrol stations in the country. This credit card also gives you up to 10% Citi rebates when you spend at selected outlets in the country. You can accumulate these rewards and use them to offset future bills with participating merchants or convert them into KrisFlyer Miles or SunPerks points.
The Citi Clear Card provides an array of other benefits as listed below:
You can earn both Citi Rebate and Citi Dollars using your Citi Clear Card. The card rewards you with 1 Citi Dollar for every S$1 spent on eligible transactions. This card also provides you with up to 10% Citi Rebate at more than 300 participating outlets across Singapore. The outlets include Subway, Starbucks, and Sheng Siong. You might have to spend a minimum amount to qualify for Citi Rebate, depending on the outlet, take for instance the following examples:
Let us assume that you spend a total of S$250 in a month, where S$100 is spent at Starbucks, S$100 is spent at Subway, and S$50 is spent at retail merchants outside of the Citi Rebate participating outlets. In this case, you will earn both Citi Rebate and Citi Dollars simultaneously on your spends in the following ways:
|Spend categories for cash rebate or rewards points||Monthly spend||Cash rebate rate||Cash rebate amount||Points earned|
|Dining at Starbucks||S$100||10%||10 Citi Rebate||100 Citi Dollars|
|Dining at Subways||S$100||5%||5 Citi Rebate||100 Citi Dollars|
|Other retail spends outside of Citi Rebate participating outlets||S$50||Not applicable||Not applicable||50 Citi Dollars|
|Total||S$250||Cashback earned is 15 Citi Rebate (equivalent to S$15)||250 Citi Dollars|
You earn 1 Citi Dollar for every S$1 spent. Citi Dollars are valid for 1 year and you can redeem them in the following ways:
Citi Rebate can be redeemed at any of the participating Citi Rebate merchants for up to the full transaction amount. Each Citi Rebate is equivalent to S$1. The redemption can be done directly at the participating outlet or you can call the Citiphone hotline to find out more.
The following table illustrates the various rates of interest relevant to the card:
|Type of Interest||Charge|
|Retail Purchases||28% p.a.|
|Cash Advance||28% p.a.|
|Instalment Payment Plan||0%|
The various fees and charges associated with this card include:
|Type of charge||charge|
|Overseas Transaction Fee||
|Late Payment Fee||S$40|
|Over limit Fee||S$40|
|Cash Advance Fee||6% of the withdrawn amount, subject to a minimum sum of S$15|
|Supplementary Card Fee||Not Applicable|
Know your eligibility before you decide to go ahead and apply for this card.
Your Citi Clear Card will have to be activated before you use it overseas. You can activate and deactivate your credit card in one of the following ways:
You must immediately call the bank’s Customer Care helpline in case your card is lost, stolen, or you notice an unauthorised charge on your credit card. You will have to also submit a statutory declaration in a form specified by the bank or a police report, if necessary.
The bank will limit your liability to S$100 in case of an unauthorised use. You will, however, have to ensure that you were not negligent in any manner regarding the safety of your card. You have to prove that the loss, theft, or unauthorised use was not a result of any fraudulent activity committed by you. You must help the bank with the recovery and investigations regarding the incident. In case you find the card later, you must not continue using it, you must cut it into two halves and return it to the bank.
Whatever you need to know about your particular card can be found on our website. You’ll find all the terms, earning rates, redemption processes, and other information about credit cards explained in detail here.
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To enable/disable auto debit, you will have to fill the Direct Debit Authorisation form. To create standing instructions for enabling/disabling auto debit, you will have to take the following steps:
Contact the bank if you wish to disable this service.
Upon applying for the card, use the bank’s self-service phone banking facility to check your application status.
Other ways to check your balance include the following:
The minimum payment amount to be made on the card will be mentioned in the monthly statement. This amount is calculated by taking into consideration 1% of the current balance in addition to 1% of unsettled instalment sum, interest charges, late payment charge, or S$25 whichever is greater, and any overdue amounts. In case the current balance is less than S$25, the minimum payment amount shall be the same as current balance.
The grace period or the interest-free period with Citi Clear Card is 25 days from the date of the statement of account.
Samsung Pay, Apple Pay and Citi Pay can be used with this card.
Although the EZ-Link facility is not available with this credit card, if you have a car, you can make use of the EZ-Pay facility available.
Register online with EZ-Pay. Once you have registered, you will get an email confirmation in two business days with the actual start date on your credit card.
Block your Citi card through the Citi Mobile App. Take the following steps to block your card:
Reset your PIN by calling the 24/7 CitiPhone self-service number. Select '0' to speak to a CitiPhone officer to request for a new credit card PIN. It will take up to five business days for the new PIN to be generated. If you want to get the PIN immediately, visit any bank branch.
The billing cycle is usually 30 days, but the billing due date and billing cycle will be mentioned in the monthly statement. The billing cycle for your Citi card will be the time between two continuous billing statements. This may vary depending on the number of business days in the given month.
The easiest and fastest way to get a replacement card is through the Citi Mobile App. Take the following steps:
A replacement fee of S$10 shall be charged to your account each time you request for a replacement.