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    We found 1 Citi Rewards Card for Shopping
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    Citi Rewards Card for Shopping

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    It’s a shopping rewards card, designed for individuals who shop both online and offline. Check out the key highlights of this card:

    • Earn 10 rewards points (equivalent to 4 Miles) for every S$1 spent on clothes, shoes, and bags at physical and online stores – locally and overseas.
    • Flexibility to redeem your rewards as you like. You can redeem your accumulated points for air miles, for shopping merchandise through Citi ThankYouSM Rewards programme, or for instant rebate at participating outlets.
    • Additional 10% Citi Rebate when you spend at any of the participating outlets.

    Best suited to : Individuals who shop often, both online and offline. Also, with 4 miles awarded for every S$1 spent, the card could be suited to individuals who travel frequently.

    Key Features

    Features Description
    Annual fee S$192.60 (first year fee waived)
    Rewards points on shopping at departmental stores (clothes, bags, and shoes) 10 Citi Dollars for every S$1 spent
    Rewards points on online shopping (clothes, bags, and shoes) 10 Citi Dollars for every S$1 spent
    Rewards points on all other retail spend 1 Citi Dollar for every S$1 spent
    Complimentary travel insurance Up to S$1 million

    Additional Benefits

    • You can enjoy various promotional offers with this card throughout the year. These promotions are, however, for a limited time period.
    • Save up to 14% on fuel at Esso and Shell stations.
    • Enjoy exclusive dining deals through Citibank Gourmet Pleasures.
    • Enjoy special travel privileges as well as exclusive offers from Emirates, Agoda, Hotels.com, and more.

    Earn Rewards

    • You can earn 10 Citi Dollars (equivalent to 4 miles) for every S$1 spent on clothes, shoes, and bags at a participating online or physical store. This applies to overseas shopping as well.
    • Under the 10x rewards programme, you can’t earn more than 120,000 Citi Dollars in one card anniversary year.
    • For all other retail transactions, you will earn 1 Citi Dollar for every S$1 spent.
    • The rewards points are valid for five years.

    Let Us Illustrate:

    Spend category/rewards points Monthly spend Points earned Equivalent miles
    Online shopping (bags, clothes, and shoes) S$250 2,500 1,000
    Shopping at department stores (bags, clothes, and shoes) S$250 2,500 1,000
    Overseas shopping at department stores (clothes, shoes, and bags) S$300 3,000 1,200
    Local dining S$800 800 320
    Groceries S$1,500 1,500 600
    Total S$3,100 Points earned: 10,300 Miles earned: 4,120

    Redeeming your Earned Rewards

    There are various ways you can redeem your rewards points. Check them out:

    • Citi ThankYouSM Rewards: With Citi ThankYouSM Rewards, you can redeem your points for a variety of merchandise from various merchants globally or for a vacation.
    • Transfer: You can transfer your accumulated rewards points to any partner airline’s frequent flyer mile programme. You can also transfer these points to any hotel membership programme.
    • Instant rebate or shopping vouchers: You can use these points for instant rebate or for shopping vouchers at any of the participating outlets.
    • SMS: You can also redeem your points for instant rebate on your monthly card statement.

    Complimentary Insurance Coverage

    Charge your travel expenses to this card to enjoy complimentary travel insurance. Check out the table below to learn more about this coverage:

    Type of coverage Maximum coverage limit
    Accidental death and permanent disablement
    • Primary/supplementary cardholders: S$1 million
    • Dependent child(ren): S$50,000
    Emergency medical evacuation
    • Primary/supplementary cardholders: S$100,000
    • Dependent child(ren): S$100,000
    Repatriation
    • Primary/supplementary cardholders: S$50,000
    • Dependent child(ren): S$50,000
    Baggage loss S$1,000 (maximum of S$500 per item)
    Baggage delay S$500 (S$200 for every 8-hour delay)
    Flight delay S$500 (S$100 for every 8-hour delay)
    Trip cancellation S$500
    Trip interruption S$500

    Who All Will Be Covered by the Insurance?

    • You, as either a principal or a supplementary cardholder. You must be between the ages of 21 and 75 years to be eligible for coverage under this policy.
    • Your spouse who is also travelling with you on the same trip and whose travel expenses are also charged to your Citi card. Your spouse must also be between 21 and 75 years of age.
    • Your dependent child(ren) who is/are travelling with you and whose trip expenses are charged to your same card. To be eligible for coverage under this policy, your dependent child must not be married and must be between 15 days and 18 years of age. If your child is a full time student at a tertiary institute, he/she must be 18-25 years old.

    Interest Rates

    Type of interest Charge
    Retail purchases 26.9% p.a.
    Cash advance 26.9% p.a.
    Instalment payment plan 0%

    Other Fees and Charges

    Type of charge Charge
    Overseas transaction fee Up to 2.8%
    Late payment fee S$100
    Over limit fee S$40
    Cash advance fee 6% of the amount withdrawn or S$15, whichever is higher
    Supplementary card fee S$96.30 (first year fee waiver)

    Eligibility Criteria

    Have you decided that this is the right card for you? Make sure you also fit the criteria to apply for it here.

    Activating the Card for Overseas Expenses

    Yes, you will have to get the card activated since some counties are still using the magnetic stripe technology to process POS transactions. For such transactions, you will have to get the magnetic stripe present at the back of your card activated. This stripe is deactivated to ensure your protection from fraudulent/unauthorised transactions.

    There are certain types of overseas transactions that don’t require you to get this stripe activated. These transactions include EMV chip-based POS transactions, e-Commerce transactions, and overseas recurring bill transactions.

    There are multiple ways in which you can get the magnetic stripe activated. Check them out:

    • SMS
    • Self service phone banking
    • Citi mobile application
    • Internet banking

    Instalment Payment Plans Available

    Citibank Equal Payment Plan

    • Convert your large credit card purchases into monthly instalments that are interest-free, for up to 24 months.
    • The plan applies to over 1,000 participating stores.
    • To convert your purchase into instalments under this plan, you can simply inform the merchant about the same before the billing and make the payment with your Citi card. In case you wish to opt for this plan after the transaction has been processed, you can ask the merchant to reverse the original transaction and perform a new one.

    Paywise

    • This plan is also designed to help you convert your large purchases, worth at least S$500, into interest-free, monthly instalments.
    • With Paywise, you can spread your payments over a period of six months.
    • A one-time processing fee of 5% of the amount of the transaction will be applicable.

    Cash Withdrawal on the Credit Card

    You can withdraw any amount based on your available credit limit and other conditions imposed by the bank. You can get in touch with the bank to learn more about your cash advance limit.

    Lost/Stolen Cards

    If your card is lost or stolen, you must notify the bank immediately. The quickest way of reporting a lost/stolen card is through the Citi Mobile application. However, you must have an online account to be able to report the incident through the mobile app. If you don’t have an online account, you can get in touch with the bank’s customer care representatives who are available 24/7.

    In case of any fraudulent transactions charged to your card before you report the incident, your maximum liability will be S$100. But you need to prove to the bank that you took every measure to keep your card and your card PIN safe. You will also have to assist the bank in the investigations and card recovery.

    How will you decide which card is best for you? You need to have more information on cards for that. Look for the features and benefits of the card, but don’t forget to read the fine print as well.

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    What Else Do I Need to Know?

    Use the Direct Debit Authorisation Form to Enable/Disable Auto Debit & Standing Instructions

    To start your auto debit facility, you have to fill up the form for direct debit authorisation to allow direct monthly payments from your Citi account.

    You can also give standing instructions to your bank regarding your auto debit facility. You can start this service by using the following steps:

    • Download the form for standing instructions and print it.
    • Fill in the required details in the printed form.
    • Scan the filled-in form.
    • Log into Citibank Online and upload the scanned form via the document upload facility on Citibank’s website.

    Contact the bank when you wish to terminate this service.

    Visit BankBazaar to Apply for the Card & Check Application Status

    You can apply for this card through our website.

    • Follow the step-by-step instructions on the website and fill in the form.
    • Validate your filled-in details at every stage.
    • Attach all the required supporting documents with your filled-in application.
    • Confirm your details and submit the form online.

    You can check the status of your application by calling the bank through the CitiPhone Banking service. This is a 24-hour facility.

    Check Card Balance Through SMS/Citibank Online/Citi Mobile App

    You can check the balance available in your Citi account by sending an SMS to the specified number in the required format. You can also check your balance by logging into your Citibank Online account or through the Citi Mobile app.

    Pay Bills Through Citibank SMS Pay/FAST/Online Banking/Citi Mobile App/AXS/SAM and Other Channels

    Citibank offers a number of ways in which you can pay your credit card bills. They are as follows:

    • Citibank SMS Pay – This facility helps you pay your Citi credit card bills via SMS from your non-Citi account. Fill in the required information in the application for this service and mail it to the bank. Till the bank authorises the application, make sure you pay off your bills by cash or cheque. You will then get SMS reminders before your amount becomes due every month. Pay your bills by sending an SMS to the bank in the required format.
    • FAST (Fast and Secure Transfer) – Log in to the online banking service of your other bank. Set up your Citi credit card to facilitate payments. Follow the other on-screen instructions and pay your bills almost right away.
    • Online Banking – Log in to your Citibank online banking account and pay off your bill dues.
    • Citi Mobile – Download the Citi Mobile app and log in using your user ID and password. Pay your bills right away even when you’re on the go.

    Other methods include:

    • AXS stations
    • SAM machines
    • Interbank GIRO
    • Cash over the counter by visiting a bank branch

    Minimum Payment – 1% of the Current Balance+ 1% of the Outstanding Instalments+Late Payment Charges, or S$50

    The minimum amount you have to pay on this card is calculated on the basis of 1% of your current balance along with 1% of instalment amounts that are unbilled and remain unpaid (if any), interest charges, any amounts that remain overdue, and a charge for late payment or S$50, whichever is more. If you have less than S$50 as your current balance, this balance amount is taken as the minimum payment amount.

    Get Grace Period of 25 Days

    The grace period (interest-free period) for the Citi Rewards Visa Card is 25 days starting from the statement of account date.

    Mobile Wallets to Use With Citi Rewards Card – Apple Pay/Samsung Pay/Citi Pay

    You can use Samsung Pay, Apple Pay, and Citi Pay mobile wallets to make payments from your account.

    This Card Comes With the EZ-Pay Feature

    The Citi Rewards Card does not double-up as an EZ-Link card, however, you can register for the EZ-Pay facility online if you drive in Singapore. If your registration is successful, you will get a confirmation from the bank via email in two working days. The email will contain details regarding the date from which you can start using the EZ-Pay service.

    Use the Citi Mobile App to Block or Unblock the Card

    You can block or unblock this card through the Citi Mobile App.

    • Download the app on your mobile and log into it using your user ID and password.
    • Under ‘Menu’, go to ‘Manage your cards’ and then to ‘block cards’ and follow the instructions to block your card.
    • This will permanently block your existing card. The bank will issue a replacement card in your name and the PIN corresponding to it. It will be sent to your address registered with Citi.

    Reset the PIN via CitiPhone Banking

    To reset your credit card PIN, call the CitiPhone banking facility. This is available all 24 hours a day.

    Follow the instructions on the phone and navigate to the option that allows you to change your PIN. Select your new PIN. You can then access your account using the reset PIN.

    Billing Cycle and Bill Due Date – the Duration Between Two Successive Card Statements

    The due date of your bill and the billing cycle applicable on your card will be mentioned in your monthly statement. The billing cycle is usually a 30-day period.

    Get a Replacement Card Through Citi Mobile App

    If your card is lost and you want to get a replacement card, you can do it through the Citi Mobile App. Simply download the app on your mobile and sign in with your Citi username and password. Block your card right away. The bank will send you a replacement card along with the PIN to the address registered with it.

    Use Citibank Online/CitiPhone Banking to Temporarily Increase the Credit Limit

    If you want to get a temporary increase on the credit line the bank gives on your credit card, log into your Citibank Online account and make your request there. You can also make a request through the CitiPhone Banking facility.

    If your request is granted, any request for a permanent credit limit increase later will take effect only after this temporary credit line ceases to exist.

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