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    We found 0 Citi Clear Card for Students:Review
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    Credit Card BYTES FROM OUR KITCHEN

    Citi Clear Card for Students:Review

    This student’s credit card lets you enjoy rewards, rebates, and discounts. It has no minimum income requirement. Some of the key benefits that you’ll receive are:

    ?     Up to 10% Citi Rebate.

    ?     1 Citi Dollar on every S$1 spent on eligible purchases.

    ?     Exclusive party privileges.

    ?     Up to 14% discount on petrol at Esso fuel stations.

    Best suited to: Tertiary students in Singapore.

    Key Features & Benefits of This Student Card

    Feature Description
    Annual fee S$29.96 for the basic card (Annual fee waived for the first year).
    Cash rebate on dining Up to 10% Citi Rebate
    Cash rebate on other select merchant outlets Up to 10% Citi Rebate
    Savings on petrol Up to 14%
    Reward points on all other eligible spends 1 Citi Dollar for every S$1 spent

    Any Other Benefits?

    ?     You can enjoy special deals on eating out through the Gourmet Pleasures programme.

    ?     You can enjoy great promotional offers with this card. To know more, visit our page on Citi credit card promotions.

    ?     If you have the complimentary Esso Mobil Privilege Card, you can earn 1 Smiles Points for every litre of Synergy fuel bought at Esso fuel stations.

    How Can You Earn Rewards?

    Citi Rebates:

    ?     You’ll earn up to 10% Citi Rebates in additional to all other benefits. Citi Rebates shall be calculated based on every single qualifying retail transaction and will be rounded off to the nearest second decimal place.

    ?     You can earn Citi Rebates at over 500 locations in Singapore all year long.

    ?     Check with a participating merchant to find out if they have a minimum spend criterion for gifting Citi Rebates on eligible purchases.

    ?     The Citi Rebates earned by you won’t expire.

    Citi Dollars:

    ?     You’ll only earn Citi Dollar reward points if your card account is in good standing. Citi Dollars can be earned only on retail purchases. Refunded retail purchases are excluded from this programme.

    ?     Check https://www.citibank.com.sg/global_docs/pdf/Citibank_Clear_Card_Rewards_Terms_and_Conditions.pdf to know what constitutes an eligible spend.

    ?     The validity of Citi Dollars is 1 year from the date of issue.

    Let Us Illustrate:

    Let us assume that you charge S$500 a month on your Citi Clear Card. Let’s see how you can earn rewards/rebates:

    Spend Categories Monthly Spend Points (Citi Dollars) Earned
    Dining S$100 100
    Online shopping S$150 150
    Petrol S$100 100
    Other retail spends S$150 150
    Total S$500 500

    Note: The numbers shown here are for illustrative purposes alone.

    How to Redeem Reward Points?

    Citi Rebates:

    ?     Citi Rebates can be redeemed instantly at partner outlets. If you have earned 20 Citi Rebates, you can use them to offset a purchase on your next visit to a participating merchant.

    ?     You can check your Citi Rebate balance on your monthly statement, by making an enquiry at a participating merchant outlet, or by calling Citi’s hotline number. Check the bank’s website for the full list of the participating merchants.

    ?     Citi Rebates can be earned and redeemed by principal and supplementary cardholders separately.

    Citi Dollars:

    ?     Your Citi Dollar points will be valid for one year from the time they are credited to your account. You can redeem them online with a simple login to the bank’s website.

    ?     You may also redeem your points for cash rebates at participating retail outlets.

    ?     You can also use your points to convert to cash credits. Just send an SMS to the bank and make a request. Don’t forget to mention the last four digits of your card number in the SMS. Your cash rebate will be credited to your card account instantly.

    ?     You can also redeem your Citi Dollars for shopping vouchers. Your vouchers are usually valid for three months, unless stated otherwise. A voucher will be sent to you within seven working days from the date you have raised a request. You can use your vouchers to shop at participating merchant outlets.

    You can redeem your points for miles through the bank’s website or by calling Citiphone Officers.

    What Is the Interest Rate of This Card?

    Type of Interest Charge
    Retail purchases 28% p.a., subject to a minimum charge of S$3.
    Cash advance 28% p.a., subject to a minimum charge of S$3.
    Instalment payment plan 0%

    What Other Charges Are Levied?

    Type of Charge Charge
    Overseas transaction fee 2.8% for regular foreign currency transaction and 1% for dynamic currency conversion
    Late payment fee S$40
    Over limit fee Current plus unbilled balances in excess of the available credit needs to be paid as soon as possible and in addition to the minimum amount due.
    Cash advance fee 6% of the amount withdrawn or S$15, whichever is higher.
    Supplementary card fee Not applicable

    Do I Have to Activate the Card for Overseas Use?

    For security purposes, all Citi cards are deactivated for overseas use by default unless stated otherwise. You can make the card ready for transaction through one of the following means:

    ?     You can send an SMS to Citi for permanent or temporary activation or deactivation of overseas usage features of your card.

    ?     You can call the card activation hotline number.

    ?     You can use your internet banking account.

    ?     You can download and use the bank’s mobile app for activation and deactivation of the overseas usage features of your card.

    Activation is instantaneous in most cases.

    What Instalment Plans Are Available?

    With this card, you’ll get the option to use Equal Payment Plan, an interest-free instalment plan that allows you to make flexible payments for your purchases up to a tenure of 24 months. Almost 1,000 stores are tied up with this programme across the island.

    All you have to do is inform the merchant counter at the time of payment. Instalment payments will be charged to your card and will appear on your monthly statement. Citi levies no additional charges on this payment plan.

    How Much Cash Can I Withdraw?

    You can withdraw up to S$3,000 per day from an ATM using your card. Citi levies no overseas processing charges although standard foreign currency conversion rates may apply on every transaction.

    Check Eligibility to Apply for this Card

    This page will give you a comprehensive idea of the eligibility criteria for each Citi card.

    What If My Card is Lost/Stolen?

    In case of loss or unauthorised use of your card, you’re expected to inform your bank immediately. If you have notified the bank, not acted fraudulently, and if you haven’t been grossly negligent, your liability for unauthorised use of your card will be limited to S$100. You won’t be held liable for transactions made on your card after you have informed your bank.

    In case of loss of your card, you can block your old card and request for a new one by using your internet banking credentials. You can complete the process online or through the bank’s mobile app.

    If you don’t have internet banking credentials, you can call the bank’s 24/7 hotline number to inform it and request quick action.

    If you are looking for a useful resource about credit cards in Singapore, you do not have to dig through enormous amount of information available on different banks’ websites. Instead, you can navigate through our site to stay updated of the latest credit card trends in the market.

    This student’s credit card lets you enjoy rewards, rebates, and discounts. It has no minimum income requirement. Some of the key benefits that you’ll receive are:

    ?     Up to 10% Citi Rebate.

    ?     1 Citi Dollar on every S$1 spent on eligible purchases.

    ?     Exclusive party privileges.

    ?     Up to 14% discount on petrol at Esso fuel stations.

    Best suited to: Tertiary students in Singapore.

    Key Features & Benefits of This Student Card

    Feature Description
    Annual fee S$29.96 for the basic card (Annual fee waived for the first year).
    Cash rebate on dining Up to 10% Citi Rebate
    Cash rebate on other select merchant outlets Up to 10% Citi Rebate
    Savings on petrol Up to 14%
    Reward points on all other eligible spends 1 Citi Dollar for every S$1 spent

    Any Other Benefits?

    ?     You can enjoy special deals on eating out through the Gourmet Pleasures programme.

    ?     You can enjoy great promotional offers with this card. To know more, visit our page on Citi credit card promotions.

    ?     If you have the complimentary Esso Mobil Privilege Card, you can earn 1 Smiles Points for every litre of Synergy fuel bought at Esso fuel stations.

    How Can You Earn Rewards?

    Citi Rebates:

    ?     You’ll earn up to 10% Citi Rebates in additional to all other benefits. Citi Rebates shall be calculated based on every single qualifying retail transaction and will be rounded off to the nearest second decimal place.

    ?     You can earn Citi Rebates at over 500 locations in Singapore all year long.

    ?     Check with a participating merchant to find out if they have a minimum spend criterion for gifting Citi Rebates on eligible purchases.

    ?     The Citi Rebates earned by you won’t expire.

    Citi Dollars:

    ?     You’ll only earn Citi Dollar reward points if your card account is in good standing. Citi Dollars can be earned only on retail purchases. Refunded retail purchases are excluded from this programme.

    ?     Check https://www.citibank.com.sg/global_docs/pdf/Citibank_Clear_Card_Rewards_Terms_and_Conditions.pdf to know what constitutes an eligible spend.

    ?     The validity of Citi Dollars is 1 year from the date of issue.

    Let Us Illustrate:

    Let us assume that you charge S$500 a month on your Citi Clear Card. Let’s see how you can earn rewards/rebates:

    Spend Categories Monthly Spend Points (Citi Dollars) Earned
    Dining S$100 100
    Online shopping S$150 150
    Petrol S$100 100
    Other retail spends S$150 150
    Total S$500 500

    Note: The numbers shown here are for illustrative purposes alone.

    How to Redeem Reward Points?

    Citi Rebates:

    ?     Citi Rebates can be redeemed instantly at partner outlets. If you have earned 20 Citi Rebates, you can use them to offset a purchase on your next visit to a participating merchant.

    ?     You can check your Citi Rebate balance on your monthly statement, by making an enquiry at a participating merchant outlet, or by calling Citi’s hotline number. Check the bank’s website for the full list of the participating merchants.

    ?     Citi Rebates can be earned and redeemed by principal and supplementary cardholders separately.

    Citi Dollars:

    ?     Your Citi Dollar points will be valid for one year from the time they are credited to your account. You can redeem them online with a simple login to the bank’s website.

    ?     You may also redeem your points for cash rebates at participating retail outlets.

    ?     You can also use your points to convert to cash credits. Just send an SMS to the bank and make a request. Don’t forget to mention the last four digits of your card number in the SMS. Your cash rebate will be credited to your card account instantly.

    ?     You can also redeem your Citi Dollars for shopping vouchers. Your vouchers are usually valid for three months, unless stated otherwise. A voucher will be sent to you within seven working days from the date you have raised a request. You can use your vouchers to shop at participating merchant outlets.

    You can redeem your points for miles through the bank’s website or by calling Citiphone Officers.

    What Is the Interest Rate of This Card?

    Type of Interest Charge
    Retail purchases 28% p.a., subject to a minimum charge of S$3.
    Cash advance 28% p.a., subject to a minimum charge of S$3.
    Instalment payment plan 0%

    What Other Charges Are Levied?

    Type of Charge Charge
    Overseas transaction fee 2.8% for regular foreign currency transaction and 1% for dynamic currency conversion
    Late payment fee S$40
    Over limit fee Current plus unbilled balances in excess of the available credit needs to be paid as soon as possible and in addition to the minimum amount due.
    Cash advance fee 6% of the amount withdrawn or S$15, whichever is higher.
    Supplementary card fee Not applicable

    Do I Have to Activate the Card for Overseas Use?

    For security purposes, all Citi cards are deactivated for overseas use by default unless stated otherwise. You can make the card ready for transaction through one of the following means:

    ?     You can send an SMS to Citi for permanent or temporary activation or deactivation of overseas usage features of your card.

    ?     You can call the card activation hotline number.

    ?     You can use your internet banking account.

    ?     You can download and use the bank’s mobile app for activation and deactivation of the overseas usage features of your card.

    Activation is instantaneous in most cases.

    What Instalment Plans Are Available?

    With this card, you’ll get the option to use Equal Payment Plan, an interest-free instalment plan that allows you to make flexible payments for your purchases up to a tenure of 24 months. Almost 1,000 stores are tied up with this programme across the island.

    All you have to do is inform the merchant counter at the time of payment. Instalment payments will be charged to your card and will appear on your monthly statement. Citi levies no additional charges on this payment plan.

    How Much Cash Can I Withdraw?

    You can withdraw up to S$3,000 per day from an ATM using your card. Citi levies no overseas processing charges although standard foreign currency conversion rates may apply on every transaction.

    Check Eligibility to Apply for this Card

    This page will give you a comprehensive idea of the eligibility criteria for each Citi card.

    What If My Card is Lost/Stolen?

    In case of loss or unauthorised use of your card, you’re expected to inform your bank immediately. If you have notified the bank, not acted fraudulently, and if you haven’t been grossly negligent, your liability for unauthorised use of your card will be limited to S$100. You won’t be held liable for transactions made on your card after you have informed your bank.

    In case of loss of your card, you can block your old card and request for a new one by using your internet banking credentials. You can complete the process online or through the bank’s mobile app.

    If you don’t have internet banking credentials, you can call the bank’s 24/7 hotline number to inform it and request quick action.

    If you are looking for a useful resource about credit cards in Singapore, you do not have to dig through enormous amount of information available on different banks’ websites. Instead, you can navigate through our site to stay updated of the latest credit card trends in the market.

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