What Is Citi PayAll?
Citi PayAll is a service that lets you pay large, everyday expenses — income tax, rent, insurance, school fees, renovation, even electricity — by charging them to your eligible Citi credit card. The recipient receives a normal bank transfer, while you earn miles on spending that does not usually accept a credit card.
For this convenience, Citi charges an administrative fee. The question, as always, is whether the miles you earn are worth more than the fee you pay.
The Current Promotion (Q2 2026)
From 17 April to 31 July 2026, Citi is running a discounted PayAll promotion, for minimum spend of S$6,000:
- Income tax: a 0.7% cash rebate, bringing the effective fee to 1.9% (from the standard 2.6%).
- Non-tax (rent, insurance, education, renovation, electricity): a 0.2% cash rebate, bringing the effective fee to 2.4%.
Plus:
- S$80 eCapitaVoucher if you charge at least S$8,000 to a single eligible card during the promotion.
What You Need to Qualify
The discounted rates are not automatic — they come from a cash rebate you only earn if you meet the conditions below. If you do not qualify, you pay the full 2.6% fee with no rebate.
- No registration required. You must use Citi PayAll’s fee-paying option (not the zero-fee option, which earns no rewards).
- Minimum spend of S$6,000 in Citi PayAll payments on a single eligible card during the promotion. This can be tax or non-tax payments.
- Spend at least S$8,000 on that same card to also receive the S$80 eCapitaVoucher.
- Eligible cards: Citi ULTIMA, Prestige, PremierMiles and Rewards (principal cards only; supplementary cards do not qualify).
- Timing: set up your payments between 17 April and 31 July 2026, and they must be charged to your card by 6 August 2026. Every qualifying payment has to be charged by 6 August — a payment charged later will not count.
- The rebate is capped at the first S$150,000 of qualifying spend. The rebate and voucher are credited within 10 weeks of the promotion ending.
- If you are paying for income tax, a good practice is to schedule the payment to arrive around 2 weeks before deduction date.
Do not split your payments across different cards. The rebate and voucher are awarded on a single eligible card only, and the minimum spend must be met on that one card. If you split, for example, S$5,000 on one card and S$4,000 on another, neither reaches the S$6,000 minimum and you earn no rebate at all. Put all of your Citi PayAll spend on the one card you want to be rewarded.
You can read the full promotion terms here: Citi PayAll Q2 2026 Tax Season Promotion Terms and Conditions.
Which Citi Card Should You Use?
Citi PayAll earns at each card’s base local rate, so the cost per mile depends on which card you hold. I value a mile at 1.25 to 1.5 cents, so anything below this range is good value. The table below shows the fee-only cost per mile (the rebate applied, but excluding the S$80 voucher).
| Citi card | Earn rate | Tax (1.9%) | Non-tax (2.4%) |
|---|---|---|---|
| Citi ULTIMA | 1.6 mpd | 1.19¢ | 1.50¢ |
| Citi Prestige | 1.3 mpd | 1.46¢ | 1.85¢ |
| Citi PremierMiles | 1.2 mpd | 1.58¢ | 2.00¢ |
| Citi Rewards | 0.4 mpd | 4.75¢ | 6.00¢ |
The S$80 voucher improves this further. If you charge at least S$8,000 to a single card, the voucher offsets your fee and the effective cost per mile drops well below the figures above — lowest at the S$8,000 mark.
Net cost = (1.9% × S$8,000) − S$80 = S$152 − S$80 = S$72
Then cost per mile = S$72 ÷ (earn rate × 8,000):
| Citi Card | Tax spend on one card | Cost per mile (voucher included) |
|---|---|---|
| ULTIMA | S$8,000 | 0.56¢ |
| Prestige | S$8,000 | 0.69¢ |
| Premiermiles | S$8,000 | 0.75¢ |
Calculation:
Net cost = (2.4% × S$8,000) − S$80 = S$192 − S$80 = S$112
Then cost per mile = S$112 ÷ (earn rate × 8,000):
| Citi Card | Non-Tax spend on one card | Cost per mile (voucher included) |
|---|---|---|
| ULTIMA | S$8,000 | 0.88¢ |
| Prestige | S$8,000 | 1.08¢ |
| Premiermiles | S$8,000 | 1.17¢ |
With the voucher included, even the lower-earning PremierMiles stays within my 1.25 to 1.5 cent valuation for a non-tax bill. The ULTIMA and Prestige fall to about 0.56 and 0.69 cents per mile at S$8,000. Only the Citi Rewards card, which earns just 0.4 mile per dollar on PayAll, remains poor value. These figures assume you value the S$80 voucher at its full face value.
Try It: Calculate Your Cost Per Mile
Note: this valuation is based on my personal benchmark of 1.25 to 1.5 cents per mile, assuming the miles go toward business class redemptions. Beyond 1.5 cents per mile, I wouldn’t pay — but I’ve labelled it borderline, since different people may hold higher valuations.
Citi PayAll Miles Calculator
Stack your tax and non-tax payments on one Citi card via PayAll — see your cost per mile and unlock the fee rebate (S$6,000) and S$80 eCapitaVoucher (S$8,000). Promo: 17 Apr–31 Jul 2026.
1 Tax payment
2 Non-tax payment
Blended cost per mile = (total fee − S$80 voucher) ÷ miles earned. The standard fee is 2.6%; the rebate (effective 1.9% tax / 2.4% non-tax) applies once you charge S$6,000+, and S$8,000+ adds a guaranteed S$80 eCapitaVoucher. Verify current terms before paying.
S$80 eCapitaVoucher unlocked!
You've crossed S$8,000 charged via Citi PayAll — you'll get a guaranteed S$80 eCapitaVoucher on top of the fee rebate.
The Eligible Citi Cards
Citi PremierMiles
Don’t hold an eligible Citi card yet?
Of the three, the Citi PremierMiles is the easiest to get and the most flexible. Its miles never expire with waivable annual fee and transfer to KrisFlyer and other partners, so they stay useful whether or not you use PayAll. It is not the cheapest per mile here — the ULTIMA and Prestige are lower — but once the S$80 voucher is included, it still earns miles at a fair cost on a tax bill. If you have been meaning to add a miles card to your wallet, it is a sensible place to start.
Requirements (tap to expand)
- Eligible for new main Citi Cardmembers only (no existing Citi card, no Citi card closed in the past 12 months)
- Spend S$800 in the first 2 months of card approval
- Pick Tier 1 OR Tier 2 at application — only one Welcome Gift per applicant
Requirements (tap to expand)
- You qualify if: you have no Citibank credit card right now
- Spend min. S$500 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Citi Prestige
Among the cards you can apply for, the Prestige earns the lowest cost per mile on PayAll (1.3 mile per dollar locally) and comes with a genuine set of travel perks:
- Unlimited 4th night free on hotel stays booked through the Citi Prestige Concierge — the standout benefit.
- 12 complimentary airport lounge visits a year via Priority Pass, across 1,700+ lounges worldwide.
- 80,000 Citi ThankYou Points on each renewal (worth about 32,000 miles), which largely offsets the annual fee.
- Global concierge service and travel insurance.
The catches to be honest about: the Prestige has a hard minimum annual income of S$120,000 (or a S$10,000 fixed deposit with Citi if you do not meet it), and a non-waivable annual fee of S$651.82. If you genuinely value the perks — especially the 4th night free and the renewal miles — the card can pay for itself. If you will not use them, the fee is hard to justify, so apply only if these benefits suit how you travel.
Requirements (tap to expand)
- Must spend S$14,000 within 2 months from card approval date
Citi ULTIMA
The ULTIMA offers the best cost per mile on PayAll (1.6 mile per dollar), but it is an invitation-only card, so there is no application link.
How to Set Up a Citi PayAll Payment
- Log in to the Citi Mobile App or Citibank Online.
- Go to Citi PayAll and add your payee (landlord, IRAS, insurer, school, and so on).
- Choose the fee-paying option so you earn rewards (the zero-fee option earns nothing).
- Enter the amount and the payment date, making sure it is charged by 6 August 2026.
- Confirm. The amount and the admin fee appear on your card statement, and miles are earned as normal.
Is Citi PayAll Worth It?
Yes, for the right card. The ULTIMA, Prestige and PremierMiles all fall within my 1.25 to 1.5 cent valuation once the S$80 voucher is included. If you only hold a Citi Rewards card, PayAll is not worth it — you would be buying miles at well above their value.
FAQs
Do I need to register for the promo?
No. As long as you use the fee-paying option and meet the spend thresholds during the promotion period, you qualify automatically.
When are the rebate and voucher credited, and how do I receive the voucher?
Both are fulfilled within 10 weeks of the promotion ending — by around 9 October 2026. The cash rebate is credited to your card account. The S$80 eCapitaVoucher code is sent by push notification and/or SMS, so keep push notifications enabled on your Citi Mobile App; you then activate and redeem it on the CapitaStar App within 80 days of receiving it (valid one year from activation).
Does the minimum spend have to be on one card?
Yes. The S$6,000 (rebate) and S$8,000 (voucher) thresholds must be met on a single eligible card.
Can I use a supplementary card?
No. Only principal cardholders qualify.
Fees, rebates and earn rates are subject to Citi’s terms and conditions and can change. Always confirm the current rate in the Citi app before paying, and read the full Citi PayAll Q2 2026 promotion terms and conditions.
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates.
