A card that’s designed to reward you for shopping. That’s what the Citi Rewards card is. Welcome to a world where you are rewarded every time you shop for clothes, shoes, and bags. This card gives you 10x Rewards every time you shop for such products both locally, overseas, and online as well. This card also gives you access to many other exclusive benefits offered by Citi. These include offers on travel, dining, and petrol. Along with this, you also get complimentary travel insurance with coverage of up to S$1 million. Read on, to find out how you can make the best of these benefits and use them to your advantage.
|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|
If you love shopping, this card is probably going to thrill you to you to bits. Imagine getting rewarded for doing what you love. Every time you purchase bags, shoes, or clothes in Singapore or while you’re abroad, you get 10 Points for every dollar you spend. The same rate or rewards applies to purchases made at departmental stores within the country and outside as well. If you’re a fan of shopping online, you get to earn 10 Points for each S$1 you spend on buying clothes, shoes, and bags. Every dollar you spend on other transactions gets you 1 Point. What better way to shop whether you’re in Singapore or overseas?
Oh, how the rewards keep rolling in. Now you also stand to earn an additional 10% Citi Rebate on certain spends. These feature more than 300 locations that include brands such as Subway and Starbucks. You can accumulate these Citi Rebates and use them to get discounts on your future purchases.
If you’re someone who loves eating out often, this card just might end up becoming your new best friend. If you feel food tastes better when you have good company to share it with, wait till you check out offers and discounts that are just as delectable as the food itself. Treat yourself and your family and friends to some great food while saving money at the same time.
Going on a holiday is a great way to spend time away from the hustle and bustle of everyday life. But what if we told you that you can save money on your next holiday? This credit card gives you the chance to get discounts on airfares, hotel bookings, cruises, car rentals, and resort reservations at a number of participating merchants. Book your next holiday or business trip using this card to make use of these benefits.
Travelling can sometimes be stressful, especially if you’re going overseas. There are a number of things that can go wrong and that’s not what you need when you’re going on a holiday or even on a business trip. To make things a little easier and to give you some kind of assurance when you travel, this card gives you free travel insurance with coverage of up to S$1 million in case of permanent disablement or God forbid, accidental death. It even gives you financial coverage for other aspects such as emergency medical evacuation, medical expenses incurred while you’re travelling abroad, baggage loss or delay, flight delays, trip cancellation, and a lot more.
|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|
|Total||S$3,100||Points earned: 10,300||Miles earned: 4,120|
There are various ways you can redeem your rewards points. Check them out:
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||
|Emergency medical evacuation||
|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)|
|Type of interest||Charge|
|Retail purchases||26.9% p.a.|
|Cash advance||26.9% p.a.|
|Instalment payment plan||0%|
|Type of charge||Charge|
|Annual fee||S$192.60 (first year fee waived)|
|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)|
Have you decided that this is the right card for you? Make sure you also fit the criteria to apply for it here.
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:
Citibank Equal Payment Plan
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.
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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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:
Contact the bank when you wish to terminate this service.
You can apply for this card through our website.
You can check the status of your application by calling the bank through the CitiPhone Banking service. This is a 24-hour facility.
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.
Citibank offers a number of ways in which you can pay your credit card bills. They are as follows:
Other methods include:
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.
The grace period (interest-free period) for the Citi Rewards Visa Card is 25 days starting from the statement of account date.
You can use Samsung Pay, Apple Pay, and Citi Pay mobile wallets to make payments from your account.
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.
You can block or unblock this card through the Citi Mobile App.
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.
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.
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.
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.