Citi Rewards Card Review | What You Need To Know

Citi Rewards Card

Earn 4 miles per dollar on online spend and selected retail

Citi Rewards Card Overview:

Local Earn Rate
0.4 miles per dollar (1 TY point)
Foreign Currency Earn Rate
0.4 miles per dollar (1 TY point)
Bonus Earn Rate
4 miles per dollar (10 TY points)
Foreign Currency Fees
3.25%
Min. Miles Transfer
25,000 TY points (10,000 miles)
Miles earned in blocks of
S$1
Transfer Fee
S$27.25 (including 9% GST)
Points Pooling
No
Lounge Access
No
Airport Limo
No
Points Expiry
5 Years

For a quick and easy overview of Citi Rewards, check out my TikTok video where I break down its key features and benefits!

Eligibility & Fees:

  • Minimum Age: 21 years old
  • Minimum Annual Income: S$30,000 (locals/PRs); S$42,000 (foreigners)

    • Don’t worry if you income is below this threshold, there is a more secured version of this card where you can do a S$10,000 fixed deposit
  • Annual Fee: S$194.40 (inclusive of gst), waived for the first year
    • Since minimum income requirement by MAS is S$30,000 per annum, this card is an entry-level card that should be pretty easy to get an annual fee waiver (I have a annual spending of around $5-8K on this card and have not had a problem getting a waiver on subsequent years). You can check out my TikTok video on getting annual fee waiver.

Key Benefits:

  • Earn 4 miles per dollar (10 TY Points per S$1) for online transactions (including ride-hailing, groceries, restaurant delivery, and more). This excludes travel-related transactions.

  • Earn 4 miles per dollar (10 TY Points per S$1) for retail offline purchases

  • Earn 0.4 miles per dollar (1 TY Point per S$1) for any other purchases

  • No minimum monthly spending required

  • Spending cap of S$1,000 on eligible transactions per statement month applies to 4 miles per dollar earn rate

  • Points are earned for every S$1 spent

Best Used For Online Non-Travel Related Transactions and Retail Stores (Bags, Shoes, and Clothes)
  • To earn the most out of this card, you should use this at any online transactions at shops like Lazada, Shopee, Qoo10, and even on ride-hailing and food delivery apps. You’ll also get 4 miles per dollar when you shop online or offline retail stores such as in department stores, fashion, and apparel stores;

Merchant Category Code (MCC) 
Description
5311
Department Stores
5611
Men’s and Boy’s Clothing and Accessories Stores
5621
Women’s Ready to Wear Stores
5631
Women’s Accessory and Specialty Stores
5641
Children’s and Infant’s Wear Stores
5651
Family Clothing Stores
5655
Sports and Riding Apparel Stores
5661
Shoe Stores
5691
Men’s and Women’s Clothing Stores
5699
Miscellaneous Apparel and Accessory Shops
5948
Luggage and Leather Goods Stores
 
Best Used With Amaze Card for Overseas Offline Spending
  • For when you have to spend overseas, this combo is great to lessen the FCY fee while still earning 4 miles per dollar. See “Any Hacks/Promos” below.
 
Work Around the Spending Cap of S$1,000 per statement month
  • Unlike most cards that have spending caps per calendar month, the Citi Rewards works by statement month. Therefore, I have explained in the below section how to use the spending cap to your advantage under “Any Hacks/Promos” below.

Instarem Amaze Card 
With the recent updates, Citi Rewards x Amaze is best used to convert offline overseas spending to online, this is because this combo reduces FX fees from 3.25% to 2% while still earning 4 miles per dollar.
  • Pay in Singapore Dollars abroad (as transactions in FCY is converted by Amaze, you do not incur the credit card usual FCY fees of 3.25%, but you do suffer a 2% FX spread loss)
  • Connect up to 5 Mastercard cards

 

How to use it:

  • Load the Amaze card into Google Pay and Apple Pay and use contactless payment via Amaze.
 
Use the Spending Cap to Your Advantage (when using Citi Rewards Card by itself)
  • If the statement date on your statement, is 11th of the month (see picture below), it means your spending cap of S$1,000 will run from 12th of the month to 11th of the following month. This means your 4 miles per dollar spending cap resets on the 12th of each month. It matters because, let’s say you have a large spending of S$2,000 in a month, you could spend S$1,000 on the 9th and another S$1,000 on the 12th to earn 4 miles per dollar for the full S$2,000 spending.
Nerfs:
  • Amaze now charges a 1% fee on all SGD offline spending—right from the first dollar

    • Before, this fee was waived for the first S$1,000 in SGD spending each month, which made the Amaze + Citi Rewards combo a great hack to earn 4 miles per dollar on local offline purchases—by converting them into online spend. Now, that fee-free buffer is gone. You’ll be charged a 1% fee (minimum S$0.50) on SGD offline transactions made with Amaze from the very first dollar spent.

    • This mainly affects those using Amaze + Citi Rewards for everyday offline spending like dining, clinics, etc. This hack can still work, but only on transactions above S$50.

    • But good news is, online SGD transactions aren’t affected. You can still earn 4 miles per dollar by using your Citi Rewards card directly.

Exclusion List:
MCC
Description
6529
Quasi Cash – Remote Stored Value Load – Financial Institute
6530
Quasi Cash – Remote Stored Value Load – Merchant
6534
Quasi Cash – Money Transfer – Member Financial Institution
6540
Non-Financial Institutions – Stored Value Card Purchase/Load
7349
Cleaning and Maintenance, Janitorial Services
7511
Quasi Cash – Truck Stop Transactions
7523
Parking Lots, Parking Meters and Garages
7800
Government-Owned Lotteries (US Region only)
7995
Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks
4829
Wire Transfer Money Orders (WTMOs)
4900
Utilities – Electric, Gas, Water, and Sanitary
5199
Nondurable Goods(Not Elsewhere Classified)
5960
Direct Marketing – Insurance Services
6012
Financial Institutions – Merchandise, Services, and Debt Repayment
6050
Quasi Cash – Financial institutions, Merchandise, Services
6051
Non-Financial Institutions – Foreign Currency, Money Orders (Not Wire Transfer), Stored Value Card/Load, Travelers Cheques, and Debt Repayment
6211
Securities – Brokers and Dealers
6300
Insurance Sales, Underwriting and Premiums
6513
Real Estate Agents and Managers – Rentals
8211
Elementary and Secondary Schools
8220
Colleges, Junior Colleges, Universities, and Professional Schools
8241
Correspondence Schools
8244
Business and Secretarial Schools
8249
Vocational and Trade Schools
8299
Schools and Educational Services(Not Elsewhere Classified)
8398
Charitable and Social Service Organizations
8062
Hospitals
8651
Political Organizations
8661
Religious Organizations
9211
Court Costs Including Alimony and Child Support
9222
Fines
9223
Bail and Bond Payments
9311
Tax Payments
9399
Government Services(Not Elsewhere Classified)
9402
Postal Services – Government Only
9405
U.S. Federal Government Agencies or Departments
9754
Quasi Cash – Gambling – Horse Racing, Dog Racing, State Lotteries
5993
Cigar Stores and Stands

 

Other than the standard exclusions, Travel-related and in-app mobile payments do not earn 4 miles per dollar for Citi Rewards Cardholders.

Travel-related transactions:

MCC
Description
Examples
3000 to 3350, 4511
Airlines, Air Carriers, Airlines, Air Carriers (Not Elsewhere Classified)
Singapore Airlines, Air France, Delta Air Lines, Emirates
3351 to 3500, 7512
Car Rental Agencies, Car Rental Agencies (Not Elsewhere Classified)
Hertz, Avis, Budget, Enterprise
3501 to 3999, 7011
Lodging – Hotels, Motels, Resorts, Lodging – Hotels, Motels, Resorts (Not Elsewhere Classified)
Marriott, Hilton, Holiday Inn, Four Seasons
4112, 4789
Passenger Railways
Amtrak, Eurostar, JR East, SMRT
4411
Cruise Lines
Royal Caribbean,Carnival, Norwegian, Princess
4722
Travel Agencies and Tour Operators
Expedia, Booking.com, Klook, Chan Brothers
5962
Direct Marketing– Travel-Related Arrangement Services
Airbnb, Agoda, Trip.com, Hotels.com

In-app mobile wallet payments:

Using the Citi Rewards Card directly with Apple Pay or Google Pay for online transactions will not earn you 4 miles per dollar, as these are considered in-app mobile wallet payments. For instance:
  • If you order food from Mcdonalds app using Google/Apple Pay in the app and pay with the Citi Rewards Card, you will not get 4 miles per dollar.
  • If you order food from Mcdonalds using the credit card option in the app and pay with the Citi Rewards Card, you will get 4 miles per dollar. The best way to avoid this is to choose to pay directly with your credit card for most online payments, instead of using Apple or Google Pay.
  • Using Citi Rewards directly with in-app mobile payments (Google/Apple Pay) will not earn you 4 miles per dollar, however, when you link the Amaze card with Google/Apple Pay, Amaze converts it into online transaction, allowing you to earn the 4 miles per dollar!
 
 

*Take note that SMRT falls under Passenger Railways. Therefore using Citi Rewards Card for SimplyGo does not earn you any rewards.

*Card Specific Exclusions can be found here

Here is the list of their current transfer partners:
Transfer Partners
Conversion Ratio
Krisflyer
25,000:10,000
Flying Blue
25,000:10,000
British Airways
25,000:10,000
Thai Airways Royal Orchid Plus
25,000:10,000
Etihad
25,000:10,000
Asia Miles
25,000:10,000
EVA Air
25,000:10,000
Qantas
25,000:10,000
Qatar Airways
25,000:10,000
Turkish Airlines
25,000:10,000
IHG Rewards
25,000:10,000

*All of these has transfer ratio of 5:2 so that’s 25,000:10,000 with a S$27.25 transfer fee inclusive of 9% GST

 

Advantages:
  • Most versatile card that you can use for everything except travel
 
Disadvantages:
  • You cannot earn 4 miles per dollar on travel-related or mobile wallet in-app transactions (Apple or Google Pay)
  • Points cannot be pooled together across Citi cards – therefore you need to pay a separate transfer fee for each card
  • How to redeem the Citi ThankYou points to a frequent flyer program: Check out my Tiktok video for the step-by-step guide.
  • When is the ThankYou points credited: This usually credits when the transaction is posted, usually takes 24 hrs, or in some, it could take 2-3 days.
  • How long are my ThankYou points valid for: All Thank You points earned on the Citi Rewards Card expire every five years (+ three months grace)  from card approval/renewal, not from when points are earned.

Eg. If your card was approved on 1 June 2020, your points earned from 1 June 2020 to 31st May 2025 will expire on 31 August 2025. From 1st June 2025 starts the new cycle of your Thank You points.

Final Thoughts:

  • Citi Rewards alone is still a strong card to use for online transactions and offline retail shopping (except travel related) giving you 4 miles per dollar. Citi Rewards x Amaze is not the best combo as of the moment for converting offline SGD spends to online because of the updated 1% fee for all SGD transactions. However, you can still pair it with amaze but only for overseas spends to reduce the FCY fee while still earning the 4 miles per dollar.
  • For Travel-related spending, I use the DBS Women’s World Mastercard now.

💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.

💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.

Earn 4 miles per dollar with Citi Rewards on most online transactions and pair with Amaze card for offline transactions to maximise spending! Learn More.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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Option 1: Direct Bank Promotion

  • Receive 40,000 bonus Points Welcome Offer when you spend S$800 in the first 2 months of account opening.
  • Valid til 31 July 2025
  • Read Terms and Conditions here
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Option 2: Singsaver Promotion

  • Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval
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Citi Rewards Card

  • Earn 4 miles per dollar on online spending, with no minimum spend and a spending cap of S$1,000 per statement month.
  • You can use this card for any online spending inclusive of ride-hailing apps or taxis.
  • Pro tip: Pair this card to Amaze for Overseas Offline Spending
  • Do not use on travel-related spending: Car Rentals, Hotels, Flights, Train Tickets or Public Transport (eg. SimplyGo)
  • Get 17% instant fuel discount on Techron® fuels with all Citi Credit/Debit cards when you pay with the CaltexGO app. Get 16% instant fuel discount on Platinum 98 or 14% instant fuel discount on other grades of petrol and diesel with all Citi Credit/Debit Cards.
    This is on top of 4 miles per dollar on Citi Rewards + Amaze.

 

Annual Fee
  • S$194.40 (First year waived)

 

Income Requirement
  • S$30,000 (locals/PRs); S$42,000 (foreigners)

 

Points Expiry
  • After 60 months (5 years) from the date the card is opened (i.e. not from the transaction date)., reward points will expire.

 

Transfer Partners
  • Krisflyer, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

 

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Maybank XL Rewards/Cashback Card

To maximize perks, consider doing this strategy of applying to other Maybank cards first. Apply for the Maybank Family & Friends Card (if you’re eyeing the XL Cashback) or the Maybank World Mastercard (for XL Rewards). These unlock stronger sign-up bonuses and complementary benefits later on.

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    Earn 8% cashback for five of your chosen categories.


    Maybank World Mastercard

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    Maybank XL Rewards/Cashback Card

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          • All foreign currency spending

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        • Minimum spend of S$500 and a spending cap of S$1,000 per calendar month

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      DCS Flex Card

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      DCS Flex Card

      • You can choose from three (3) reward options: Miles, Cash Rebates, or Investment
      • Earn up to 2.4 miles per dollar
      • Earn up to 8% cash rebates
      • Earn up to 8% investment credits
      • Minimum monthly spend of S$600
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        • Cash Rebates: S$25 per category, total S$100 for all 4 categories
        • Investment Credits: S$25 per category, total S$100 for all 4 categories

       

      Annual Fee
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      Income Requirement
      • S$30,000 (locals/PRs) or S$15,000 (aged 56 and above); S$60,000 (foreigners)

       

      Where and how will I receive the miles/cashback/investment credits
      • Miles are credited to your Miles holding account and can be transferred to your Krisflyer account in multiple of 5,000 miles. A conversion fee of S$25 (subject to GST) applies for each redemption request and the process make take up to 15 working days.
        • Here’s how to redeem:
          • Open the DCS Cards App and go to the Rewards Tracker screen
          • Tap “Redeem” or “Redeem Miles” on the Benefit History screen
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      • Promotion is valid for new to bank credit card holders
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      UOB Evol Card

      • Earn 10% cashback on all online and mobile contactless spend (Apple Pay, Samsung Pay, Fitbit Pay)
      • Earn 10% cashback on Selected Gym, Telco, and Streaming Services (NEW!)
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        • S$30 – online & mobile contactless
        • S$20 – selected gym, telco, and streaming services
        • S$20 – all overseas foreign currency spend
        • S$30 – other spends

       

      Annual Fee
      • S$196.20 (incl. GST), waived with 3 monthly transactions for 12 consecutive months)

       

      Income Requirement
      • S$30,000 (locals/PRs); S$40,000 (Foreigners

       

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      Terms and Conditions

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      DBS Woman’s World Card

      This card doesn’t offer any sign-up promotions. To make the most of your sign-up rewards, consider applying for the DBS Altitude card first. This is because you can combine points from both DBS cards, and the DBS Altitude card also includes two complimentary airport lounge passes.

      DBS Altitude Card

      Earn 1.3 miles per dollar on local spend and 2.2 miles per dollar on foreign currency spend

      2 Priority Pass visits per membership year (Visa version only)

      DBS Woman’s World Card

      • Earn 4 miles per dollar (10X DBS points per S$5) spent online, regardless of local or foreign currency. Capped at S$1,500 spending per calendar month
      • Earn 1.2 miles per dollar (3X DBS Points per S$5) spent abroad in-store 
      • No minimum monthly spending required
      • Best used for online or in-app spend (e.g Kris+) locally

       

      Annual Fee
      • S$196.20, (First year waived)

       

      Income Requirement
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      Points Expiry
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      Transfer Partners
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      • Earn 2.4 miles per dollar on eligible everyday spends with a minimum spend of S$1,000 on SIA-related spends in a card membership year
      • Earn 1.2 miles per dollar on all other purchases

       

      Annual Fee
      • S$194.40 (incl. GST), waived for first year

       

      Income Requirement
      • S$30,000 (locals/PRs); S$40,000 (foreigners)

       

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      Maybank Family & Friends Card

      • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
      • Fill up this google form after signing up to qualify for rewards
      • Read Terms and Conditions here

      Maybank Family & Friends Card

      • Earn 8% cashback for five (5) of your chosen spend categories across ten (10) options.
        • Each category has a cashback cap of S$25 (which would max out at S$312.50 of spending per category)
      • Earn bonus 8% cashback on Malaysian Ringgit or Indonesian Rupiah spends
      • Minimum spend of S$800
      • Each category has a cashback cap of S$25 (total of S$125 for 5 categories)
      • Earn unlimited 0.3% cash rebates on all spends below S$800

       

      Annual Fee
      • S$180 (First 3 years free)

       

      Income Requirement
      • S$30,000 (locals/PRs); S$60,000 (foreigners)

       

      How to choose my Categories
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      Citi Cashback Card

      Option 1: Direct Bank Promotion

      • Receive S$300 cash back Welcome Offer when you spend S$800 in the first 2 months upon card approval
      • Valid til 31 July 2025
      • Read Terms and Conditions here

       

      Option 2: Singsaver Promotion

      • Get Dyson Airwrap Origin (worth S$549) or S$450 Shopee Voucher or Hinomi H1 Pro V2 Ergonomic Office Chair (worth S$999) or S$400 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
      • Valid from 10 July to 31 July 2025
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here
      • Must fulfill spending requirement to receive gift confirmation
      • Remember to check for SingSaver email and complete the registration to secure your reward!
      •  

      Citi Cashback Card

      • Earn 8% cashback on Petrol and local private hire/taxi, 6% cashback on Dining at restaurants and cafes daily, worldwide, 6% cashback on groceries at supermarkets and grocery stores daily, worldwide.
      • Up to 20.88% fuel savings at Esso and Shell & 23.64% savings at Caltex
      • There is an S$800 minimum spend required each month, and cashback is limited to S$80 per statement month. 
      • Get 0.2% base cashback for other spends

      Tip: You don’t have to meet the minimum monthly spend requirement every month. If you can’t hit S$800 for the month, you can buy supermarket vouchers in store (and get 6% cashback) to use in the next few months.

       
      Annual Fee
      • S$196.20 (incl. 9% GST), first year waived
       
      Income Requirement
      • S$30,000 (locals/PRs); S$42,000 (foreigners)
       
      When is Cashback Credited
      • Your earned cash back will be automatically credited to your Citi Cash Back Card account monthly at billing cycle date, in multiples of $10. S$50 is the minimum cash back withdrawal amount (after that, multiples of S$10). When your cashback total reaches S$50, it will be automatically credited to your credit card statement. Through the Citi Mobile App, you will also be able to monitor the cashback you have earned.
       
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      OCBC 365 Card

        • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
        • Valid from 01 July to 31 July 2025
        • Read Terms and Conditions here
        • Must fulfill spending requirement to receive gift confirmation
        • Remember to check for SingSaver email to secure your rewards after you have applied!

        OCBC 365 Card

        • Earn 6% cashback on Petrol, 5% cashback on Dining, and 3% cashback on Groceries, Land Transport, Streaming, Electric Vehicle Charging, Watsons, Utilities.
        • This has 2 tiers of spend requirement and cap respectively:
          • Tier 1: S$800;S$80
          • Tier 2: S$1,600; S$160
        • Best paired with OCBC 360 Savings Account as it offers the highest ROI with a minimum spend of S$800 on your first S$100,000 when you credit your salary, make purchases with an eligible OCBC credit card, and save regularly.
         
        Annual Fee
        • S$196.20 (including GST), waived for the first 2 years. 
         
        Income Requirement
        • S$30,000 (locals/PRs); S$45,000 (foreigners
         
        How is Cashback Credited
        • Cashback will be automatically offset against the month’s billed amount
         
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        UOB Lady Cardface

        UOB Lady’s Card

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        UOB Lady Cardface

        UOB Lady’s Card

          • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
          • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
          • No minimum monthly spending required
          • Spending Cap:
            • Classic Card: S$1,000
            • Solitaire & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

          Depending on what your planned usage is, you can change the categories every quarter. 

           

          Annual Fee
          • S$196.20 (incl. GST), waived for first year

           

          Income Requirement
          • S$30,000 (locals/PRs); S$40,000 (foreigners)

           

          Points Expiry
          • They expire 2 years after the final day of each periodic quarter in which they were earned
           
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          HSBC Revolution Card

          • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrap™ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
          • Valid from from 01 July to 31 July 2025
          • Available for New HSBC Cardholders
            • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

           

          For Existing HSBC Cardholders:

          • Get S$50 cashback when you spend S$500 by the end of the following month
          • Valid until 31 August 2025
          • Available for Existing HSBC Cardholders
            • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
            • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
          • Read Terms and Conditions here
          • Must provide marketing consent to HSBC
          • This gift will be fulfilled directly by HSBC

          HSBC Revolution Card

          • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month
          • The categories include:
            • Department Stores and Retail Stores
            • Dining (excluding hotel dining)
            • Transportation & Membership Clubs
            • Travel-Related (until 31 October 2025 only)
          • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
          • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
          • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 31 October 2025. 

           

          Special hack: 

          Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

          If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

           

          Annual Fee
          • None

           

          Income Requirement
          • S$30,000 (locals/PRs); S$40,000 (foreigners)

           

          Points Expiry
          • 37-month period, starting from the month after the month in which the points were acquired

           
          Transfer Partners
          • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

           

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          uob ppv cardface

          UOB Preferred Platinum Visa

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          uob ppv cardface

          UOB Preferred Platinum Visa Card

            • Earn 4 miles per dollar on mobile contactless payments, online shopping, and entertainment, no minimum spend, capped at S$1,110 per calendar month
            • Earn 0.4 miles per dollar on other spendings
            • Can earn on specific online payments (specific MCCs only) and on the following mobile contactless (in-store) payment method:
              • Apple Pay
              • Google Pay
              • Samsung Pay (excluding MST)

             
            Annual Fee
            • S$196.20, first year waived

             

            Income Requirement
            • S$30,000 (locals/PRs); S$40,000 (foreigners)

             

            Points Expiry
            • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

             

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            CIMB Visa Signature Card

            • Get S$50 Cash via PayNow when you spend a minimum of S$108 within 30 days of card approval
            • Valid from 01 July to 31 July 2025
            • Read Terms and Conditions here
            • Must fulfill spending requirement to receive gift confirmation
            • Remember to check for SingSaver email and complete the registration to secure your reward!

             

            Stackable with Direct Bank Rewards:

            • Receive Up to S$188 Cashback
            • Apply for select CIMB credit cards and make minimum spends to be eligible for reward:
              • Make a minimum spend of S$108 within 30 days of card approval date to receive S$88 Cashback
              • Make a minimum spend of S$988 within 60 days of card approval date to receive additional S$100 Cashback (S$188 total)
            • Promotion is valid until 31 July 2025
            • Promotion is valid for new CIMB credit cardmembers only
            • Read Terms and Conditions here

            CIMB Visa Signature

            • Earn 10% cashback on online shopping, groceries, beauty/wellness, pet shops/veterinary services and cruises with a minimum spend of S$800, capped at S$100 per statement month (S$20 per category)
            • Earn 0.2% cashback on all other spend with no minimum spend
            Annual Fee
            • Free for life for all Principal and Supplementary cards
             
            Income Requirement
            • S$30,000 (locals/PRs & Foreigners)
             
            When is Cashback Credited
            • Cashback will be credited to the cardmember’s account on a monthly basis in the following statement month
             
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            OCBC Rewards Card

              • Receive an Apple Airpods 4 (worth S$199) or Stryv Airflex 2.0 (worth S$369) or S$200 Shopee Voucher or S$160 Cash via PayNow when you make atleast one transaction with no minimum spend within 30 days of card approval
              • Valid from 01 July to 31 July 2025
              • Read Terms and Conditions here
              • Must fulfill spending requirement to receive gift confirmation
              • Remember to check for SingSaver email to secure your rewards after you have applied!

              OCBC Rewards Card

              • Earn 6 miles per dollar on Watsons, Lazada, Shopee (except Shopee Pay transactions), Tiktok Shop, and Taobao (until 31 December 2025). Capped at S$1,000 per calendar month
              • Earn 4 miles per dollar on Eligible Online and Offline Spends, capped at S$1,110 per calendar month
              • Pair with Amaze for converting offline overseas retail spending to earn 4 miles per dollar

               

              Annual Fee
              • S$196.20 (including GST), waived for the first 2 years

               

              Income Requirement
              • S$30,000 (locals/PRs); S$45,000 (foreigners)

               

              Points Expiry
              • OCBC$ expires every 2 years and can pool across cards that earn OCBC$, but not with OCBC’s other rewards currencies (Travel$, VOYAGE Miles) – This means if you have other OCBC$ earning cards (eg. OCBC Rewards Blue and Pink), you can transfer the miles together from both card at one shot with a single transfer fee.

               

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              Maybank World Mastercard

              • Receive Samsonite ENOW SPINNER 69/25 EXP (worth S$570) as a new-to-bank customer, when you apply for a new Maybank Credit Card and charge a minimum of S$1,300 within the first two months of card approval. Alternatively, you may apply for CreditAble and a new Maybank Credit Card, and charge a minimum of S$1,200 within the first two months of card approval.
              • Fill up this google form after signing up to qualify for rewards
              • Read Terms and Conditions here

              Maybank World Mastercard

              • Earn 4 miles per dollar (10X TREATS Points per S$5) spent at specially selected retail stores, restaurants, and all petrol stations islandwide
              • Earn up to 3.2 miles per dollar on foreign currency spend with no cap (3.25% foreign currency fee applies)
                • Earn 3.2 miles per dollar when you spend a minimum of S$4,000
                • Earn 2.8 miles per dollar when you spend a minimum of S$800
                • Earn 0.4 miles per dollar when you spend below S$800
              • Earn 0.4 miles per dollar (10X TREATS Points per S$5) on local spend

              This card is particularly useful for large foreign currency spend (eg. Flight tickets or hotel reservations or luxury goods purchases overseas)

               

              Annual Fee
              • S$240, waived for the first year

               

              Income Requirement
              • S$80,000 (locals/PRs)

               

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              DBS Altitude Card

              Miles:
              • Get 38,000 miles when you use the promo code: ALT38, pay the annual fee, and spend S$800 within 60 days from card approval date. 
              • Get 28,000 miles when you use the promo code: ALTW28, choose not to pay the annual fee, but must spend S$800 within 60 days from card approval
              • Valid until 31 August 2025
              • Read Terms and Conditions here
               
              Physical Gifts:
              • Get one of these gifts when you apply with the promo code and spend S$500 within 30 days from card approval:
              Gift
              Promo Code
              ErgoTune Vesby (worth S$899)
              SSJUL1
              Sony PlayStation® 5 Digital Slim (worth S$669)
              SSJUL2
              Dyson Digital Slim Submarine™ (worth S$699)
              SSJUL3
              Apple iPad 11″ (A16) Wi-Fi 256GB (worth S$649)
              SSJUL4
              S$500 eCapitaVoucher
              SSJUL5

              DBS Altitude Card

              • Earn 1.3 miles per dollar (3.25 DBS Points per S$5) spent locally, including bus and train rides and 2.2 miles per dollar (5.5 DBS Points per S$5) spent on overseas purchases in foreign currency with no minimum monthly spending required and no maximum spending cap
              • This comes with two complimentary lounge passes per 12-month membership period

               

              Annual Fee
              • S$196.20 (inclusive of GST), first year waived

               

              Income Requirement
              • S$30,000 (locals/PRs); S$45,000 (foreigners)

               

              Points Expiry
              • No expiry

               

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