A card made specifically to give you rewards and benefits related to M1, the Citi M1 Card offers you Citi Rebates of up to 10% when you pay recurring bills from M1. You also get a 0.3% Citi Rebate on all other retail spends charged to this card. You also get to enjoy a series of other benefits on M1 purchases. Apart from this, you get access to a number of other exciting deals on dining, online shopping, travel, and petrol purchases. Read on, to find out how these rewards apply to you and how you can make use of the benefits to save money every month.
|Rebate on M1 recurring bills||Up to 10%|
|Rebate on M1 store purchases||Up to 1%|
|Rebate on M1 shop accessories||10%|
|Rebate on other spends||0.3% (basic rate)|
|Interest-free instalment plan||On phone purchases above S$200|
|Complimentary replacement||For damaged and lost SIM cards|
Are your monthly phone bills shooting up? Then perhaps this card can help bring them down. If you spend more than S$600 on this card every month, you are eligible to get Citi Rebates of 10% when you pay your M1 bills. For total monthly spends between S$300 and S$600, you get a 3% Rebate. If your total monthly spend on this card is less than S$300, your M1 bill payments will get a 0.5% Rebate. You can redeem these Citi rebates at more than 300 outlets in Singapore. Use them to offset bills at participating merchants and enjoy direct discounts on groceries purchases, dining bills, and retail transactions. Also, convert them into KrisFlyer Miles or SunPerks points.
This card also gives you a host of benefits that are specific to M1 transactions. Get Citi Rebates of 1% when you spend in M1 outlets. In addition to this, you can also enjoy a discount of 10% on device accessories purchased at M1 stores. The other M1 privileges include free replacement of damaged or lost SIM cards, waiver of the Data Passport activation charges, and waiver of connection charges for M1 value-added services.
The Citi Privileges on this card give you a number of dining offers. These are courtesy of Citibank Gourmet Pleasures and help you save money every time you dine out at any of the restaurants participating in this programme. You can also make use of the petrol discounts of up to 14% at Shell and Esso petrol stations to reduce your monthly fuel expenses. There are also a number of exclusive offers on travel and online shopping.
Get additional data of up to 24GB (for new Citi members) free of cost per month for every month for a year when you sign-up for this card. The terms and conditions related to this offer are as follows:
Additionally, when you refer a friend to apply for this card, you get a cashback of S$50. The T&C associated for this offer are:
The Citi M1 Card also offers other benefits such as promotions on dining, petrol expenses, travel, and online purchases.
The Citi Rebate of up to 10% on M1 bill payments works in the following way:
There is no limit to how much you can accumulate in terms of Citi Rebate. You get these rebates in your account as soon as you make the payments and they don’t have an expiry date. Each Citi Rebate is equal to S$1 in value.
The following illustration gives you an idea of how the Citi Rebate program works for M1 bill payments made through this card. Let’s consider a recurring M1 bill of S$300 and three different total retail spends of S$250, S$400, and S$800.
|Total monthly spend*||M1 bill (monthly)||Basic rebate rate||Additional M1 rebate rate||Total rebate applicable on M1 bills||Rebate on M1 payment|
*Using the Citi M1 Card.
You can use the Citi Rebate you accumulate in a number of ways:
You can also redeem your Citi Rebate in the following ways:
|Retail purchases||26.9% p.a.|
|Cash advance||6% of the amount withdrawn or S$15, whichever is higher.|
|Instalment Payment Plan||0%|
|Type of charge||Charge|
|Annual Fee||Basic card: S$192.60 (including GST), Supplementary cards: S$96.30 (including GST), First year fee is waived for the basic as well as 2 supplementary cards.|
|Overseas Transaction Fee||
|Late Payment Fee||S$100|
|Over limit Fee||S$40|
For a complete list of all the fees and interests the bank charges on this card, click here.
Find out if you qualify for this card by checking your eligibility here.
You can use the card to withdraw money from ATMs all over the world managed by VISA. The maximum amount of cash you can withdraw depends on the limits set by the bank from time to time.
There are chances that you may lose your card or that someone might steal it. In case this happens, call the bank right away and report the loss or theft of your card. If you fail to do this, you will be liable for all transactions that take place on your card after such an incident.
Once you have notified the bank, your liability for any unauthorised transactions made on your card would be limited to S$100.
If you lose your Citi M1 Card while you are travelling or if it gets stolen, get in touch with the bank at the earliest on the CitiPhone Banking Hotline.
BankBazaar.sg functions as a useful resource about credit cards, giving you every little detail about each card in a single page. Go ahead and take a look – you’ll not be disappointed!
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You can enable standing instructions and auto debit facility on your Citi M1 Card. To do this, you must get the Direct Debit Authorisation form from the bank’s official website. You must complete the form and send it to Citibank Singapore Limited.
If you want to stop this service, get in touch with your branch.
You can apply for Citi M1 Card online through their website by following these steps:
To check your application status, get in touch with Citi through the 24/7 CitiPhone Banking service or visit your nearest branch.
You can check your outstanding balance by sending an SMS to Citibank. The information will be sent to immediately. Also, other ways to find out your balance are:
The bill can be paid in the following ways:
You are liable to pay 1% of the outstanding bill amount and 1% of previous dues which are pending from previous bills or a minimum of S$50. You have to pay the highest amount out of the two.
There will be a grace period of 25 days to pay your monthly bill.
Following are the mobile wallets that can be used with your Citi M1 Card:
You must register for the EZ-Pay facility online. Once your registration is successful, you will get an email confirmation from the bank within 2 days. The email will have the date from which you can use the EZ-Pay service.
To block or unblock your Citi M1 Card, you must call CitiPhone Banking hotline which is available for 24 hours. You can also use Citi Mobile App for this.
In order to reset your credit card’s PIN, you must call CitiPhone self-service banking hotline. The CitiPhone self-service is available for 24-hours.
The billing cycle usually is 30 days. However, it is based on the number of working days in a month. You can know your credit card payment due date from the monthly card statement.
You can get your replacement card by applying for it through the Citi Mobile App. The bank will send the replacement card and its PIN to your registered address.
Call Citibank’s 24/7 Self-Service Phone Banking hotline and request for temporarily increasing your credit limit. You can also do it by accessing your Citibank Online account.