If you hold a Citi Credit Card, you might’ve come across Citi PayAll—a service that lets you pay for things that are commonly excluded on credit card payments, using your Citibank Credit Cards. Basically, you can earn miles for payments that typically wouldn’t count toward rewards like:
- Rent
- Insurance
- Taxes
- Renovation
- Condo maintenance
- Even… Retail Goods & Services
This is available to Citi customers, with or without a fee. However, if you want to earn miles, you have to choose to pay a service fee, 2.6% to be exact. This means you’re technically “buying miles” But it’s not always the best value—unless there’s a good promo running. Here is the Citi PayAll Promotion for 2025.
Citi PayAll 2025 Promo
From 18 April to 31 August 2025, you’ll earn:
- 1.8 miles per dollar for tax payments
- 1.6 miles per dollar on non-tax payments.
Remember, in order to earn the miles, you will need to choose the fee paying option of 2.6% .
How It Works:
Earn Rate For Tax Payments:
Card | Base miles per dollar | Bonus miles per dollar | Total miles per dollar |
Citi Rewards | 0.4 | +1.4 | 1.8 |
PremierMiles | 1.2 | +0.6 | 1.8 |
Prestige | 1.3 | +0.5 | 1.8 |
ULTIMA | 1.6 | +0.2 | 1.8 |
Earn Rate For Non-Tax Payments:
Card | Base miles per dollar | Bonus miles per dollar | Total miles per dollar |
Citi Rewards | 0.4 | +1.2 | 1.6 |
PremierMiles | 1.2 | +0.4 | 1.6 |
Prestige | 1.3 | +0.3 | 1.6 |
ULTIMA | 1.6 | – | 1.6 |
Minimum Spend Requirement on Non-Tax Payments Waived For Citibanking Customers
Before you think that you can just use it solely for tax payments, Citibank added a condition that there is a minimum spend requirement of $6,000 or more on non-tax PayAll transactions on a single eligible card to qualify for bonus miles. However, if you have a Citibanking relationship (i.e. you own a Citibank bank account, you can skip the minimum spend requirement entirely). Unlike Cardup or iPayMy, no bonus miles is earned on the service fee. For avoidance of doubt, the minimum spend of S$6,000 does not include the 2.6% service fee, but it can be fulfilled in one or more transactions.
Bonus Miles Will Come On 23rd November 2025 If You Qualify
Just note that bonus miles are only credited on one card (only the Citi card with the highest PayAll spend will earn bonus miles—others won’t qualify even if you use two or more Citi cards), with a cap at $150,000 total spend, and they will reflect within 12 weeks by the end of the promotion period which is 23 November 2025. So pick one card and stick to that for this. So if you’re hoping to use those bonus miles for a trip from now till November, it may not be ideal timing. Base miles, however, will still post with your usual statement. So as you can see, you will get the most miles upfront with Citi Ultima and the least miles upfront. I’m not that worried and will likely use Citi Rewards or Citi Premiermiles for this.
Do remember that the Citi PayAll interface will only show the base earn rates by default, you’ll have to take it on faith that the bonus miles/points will follow if you fulfill the criteria.
Timing matters if you want to qualify for the bonus miles in this promo. No registration required, but Citi PayAll payment must be set up between 18 April and 31 August 2025, and it needs to be charged by 4 September 2025. If either the setup or the charge happens outside this window, the transaction won’t be eligible for any bonus miles. If you’ve scheduled a recurring or one-time PayAll payment before 18 April 2025, you’ll need to cancel it and set it up again during the promo period in order to qualify for the bonus miles. If during the promotion period, you cancel the payment before it’s completed, or if the payment is refunded, rejected, or reversed, Citibank may cancel or take back the miles rewarded.
Here is the cost per mile breakdown after the fees.
Cost per mile formula:
For an admin fee for Citi PayAll is 2.6%, with an earn rate of 1.6 miles per dollar for non-tax payments, and an amount of S$6,000
Amount x Admin fee = Service Fee
S$6,000 x 0.026 = S$156
Amount x Earn Rate = Miles Earned
S$6,000 x 1.6 miles per dollar = 9,600 Miles
Service Fee / Miles Earned = Cost per Mile
S$156 / 9,600 = 1.625¢
Cost per Mile
For tax payments — where you earn 1.8 miles per dollar:
So for tax bills, the cost per mile is the same across the board — about 1.44 cents per mile.
Card | Base miles per dollar | Bonus miles per dollar | Total miles per dollar | Cost per mile (cents) |
Citi Rewards | 0.4 | +1.4 | 1.8 | 1.44 |
PremierMiles | 1.2 | +0.6 | 1.8 | 1.44 |
Prestige | 1.3 | +0.5 | 1.8 | 1.44 |
ULTIMA | 1.6 | +0.2 | 1.8 | 1.44 |
For non-tax payments, the earn rate drops to 1.6 mpd,
Card | Base miles per dollar | Bonus miles per dollar | Total miles per dollar | Cost per mile (cents) |
Citi Rewards | 0.4 | +1.2 | 1.6 | 1.63 |
PremierMiles | 1.2 | +0.4 | 1.6 | 1.63 |
Prestige | 1.3 | +0.3 | 1.6 | 1.63 |
ULTIMA | 1.6 | – | 1.6 | 1.63 |
So while the total cost remains the same with that 2.6% fee, you’re actually earning fewer miles on non-tax payments, which pushes your cost per mile up to around 1.63 cents. Most people value their miles between 1.25-1.5 cents, this is definitely a beneficial deal for those who already have a Citibanking relationship or have a high tax payment amount to benefit from the 1.44 cents cost per mile promotion.
As usual, one should not be using the miles in this promo to redeem an economy class flight as it is possibly cheaper to just use cash to get an economy ticket on Google flights.
Additional gift: S$100 eCapitaVoucher
For the first 3,000 Citi Cardholders who spend at least S$6,000 on eligible non-tax transactions using a single Citi card will receive S$100 eCapitaVoucher in addition to the bonus miles earned. Do note that each customer will only receive one voucher regardless of how many Citi cards they own. This seems like a helpful deal to take advantage of since the S$100 voucher can help offset the admin fee of S$156 for a S$6,000 Citi PayAll transaction, lowering the cost per mile to 0.6 cents. This will also be credited by 23 November 2025.
Since this has a cap of 3,000 customers, it is best to move quickly and charge it when it launches on 18 April 2025 as it is unclear if Citibank is looking at setup date or charge date for the qualification of this criteria.
Which Citi Credit Card Should You Go For with Citi PayAll Promotion?
All four Citi credit cards ultimately earn you the same number of miles—it just comes down to when you receive the bonus miles. Some cards give them upfront (front-loaded), while others credit them later (back-loaded).
If I had an annual income of S$120K, I’d personally go for the Citi Prestige, given its perks and non-expiring miles. That said, the Citi PremierMiles is also a solid option.
If you only have the Citi Rewards card, it’s still worth using it for the promotion—but do keep in mind that Citi Rewards miles expire after 5 years, unlike Citi Prestige and Citi PremierMiles, where your miles never expire.
- 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
- You qualify if: you have no Citibank credit card right now AND haven’t cancelled any Citi credit card in the last 12 months
- 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.
- 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
- You qualify if: you have no Citibank credit card right now AND haven’t cancelled any Citi credit card in the last 12 months
- 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.
Is This Worth It?
Yes, if you have a Citibanking relationship. If you do not have a Citibanking relationship, Cardup or iPayMy might be better options for you, which i shared extensively in the Youtube video below.
