Card Overview
The Citi Rewards Card earns 4 miles per dollar (mpd) on almost all online spend. It also earns 4 mpd on in-store shopping at department stores, fashion outlets and shoe stores. This 4 miles per dollar earn rate applies on up to S$1,000 spending per statement month. Travel bookings and online payments made through Apple Pay or Google Pay don’t count, but for everyday online and retail spending, few entry-level cards beat it.
Pairing it with the Instarem Amaze card lets you earn 4 mpd on in-store spending outside those shopping categories. You also skip the 3.25% foreign currency fee when you spend overseas. Amaze charges a 1% fee on local SGD transactions, with a minimum of S$0.50, so the combo works best for overseas spending or local purchases of S$50 and above, where the fee is a flat 1%.
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
Requirements (tap to expand)
- Open to Singapore residents.
- Apply through SingSaver as the main cardholder from 3 to 30 November 2026.
- New Citi main cardholders only: no existing Citi credit card, no Citi main card closed in the 12 months before the new account opens, and no pending Citi main card application. Holding a Citi Clear card, or having closed one in the past 12 months, does not disqualify you under this promotion.
- Have your application approved by 30 December 2026. Activate the card via the Citi Mobile App and spend S$500 in qualifying retail transactions within 30 days, including the account approval date.
- Complete the SingSaver Rewards Redemption Form within 14 days of applying. Select one gift; your selection cannot be changed after submission.
- Qualifying spend exclusions include instalment purchases and loans, refunded or disputed purchases, cash advances, quasi-cash transactions, balance transfers, fees, bill payments and Citi PayAll transactions without a service fee. Read the linked terms for the full exclusions.
- Keep the card valid and in good standing until gift fulfilment and retain it for 12 months from approval; otherwise the reward may be recovered.
- One reward per eligible new customer across eligible Citi cards, subject to availability. Paid gift upgrades are optional and replace the standard gift; see the terms for fees and conditions.
- For a PayNow cash reward, use the correct PayNow-linked mobile number in the redemption form. For Max Miles, create and maintain a HeyMax account and follow its redemption email.
Quick Facts
| Base points | 1 Thank You (TY) point per S$1 (0.4 mpd) | Bonus points | 9 Thank You (TY) points per S$1 (3.6 mpd) on eligible spends; capped at S$1,000 per statement month |
| Annual fee | S$196.20 (Primary) or S$98.10 (Supplementary), waived for the first year | Transfer fee | S$27.25 |
| Travel Insurance | None | Points pooling | No |
| Transfer partners | 11 | Card Tier | World Mastercard |
| Points crediting | Base and bonus points when transactions are posted (1-3 days) | Points Validity | 5 years from card approval or renewal, plus a 3-month grace period |
| Foreign currency fee | 3.25% | ||
Eligibility & Fees
- Annual Fee: S$196.20 (Primary) or S$98.10 (Supplementary), waived for the first year
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PR) or S$42,000 (foreigners)
No need to worry if your income is below this threshold because a secured version of this card only needs a S$10,000 fixed deposit.
Getting the annual fee waived is usually easy for an entry-level card like this. I’ve had mine waived every year since I got it. You can check out my TikTok video on getting an annual fee waiver.
Key Benefits
10 points on local & foreign spend, with a bonus cap spend of S$1,000 per statement month based on posting date.
Including spend above the cap, earns the base 1 TY point with no limit.
Here’s how your points add up for every S$1 spent:
| Rewards | Points |
|---|---|
| Base point (all qualified transactions) | 1 TY point (0.4 mpd) |
| Bonus points (eligible transactions) | 9 TY points (3.6 mpd) |
| Total rewards points (local & foreign spend) | 10 points (4 mpd) |
| Bonus cap spend per statement month based on posting date | S$1,000 |
All other qualifying spend, including spend above the cap, earns the base 1 TY point (0.4 mpd) with no limit. The cap resets on your statement date and counts transactions by posting date, so a purchase made just before your statement date may count toward the next month’s cap. You can refer to the full details in the Citi Rewards terms and conditions.
What is considered an eligible transaction?
No matching MCCs. Try another code, category or example.
1. Online purchases
Almost all online purchases, such as ride-hailing, groceries, food delivery, Lazada, and Shopee, are eligible for bonus points. This makes the Citi Rewards Card flexible, allowing you to earn bonus points across a wide range of everyday online spending.
However, travel-related transactions don’t earn bonus points.
These include:
| MCCs | Description | Examples |
|---|---|---|
| 3000-3350, 4511 | Airlines, Air Carriers; Airlines, Air Carriers (Not Elsewhere Classified) | Singapore Airlines, Air France, Delta Air Lines, Emirates |
| 3351-3500, 7512 | Car Rental Agencies; Car Rental Agencies (Not Elsewhere Classified) | Hertz, Avis, Budget, Enterprise |
| 3501-3999, 7011-7012 | Lodging – Hotels, Motels, Resorts; Lodging – Hotels, Motels, Resorts (Not Elsewhere Classified) | Marriott, Hilton, Holiday Inn, Four Seasons |
| 4111-4112, 4789 | Local commuter transport and passenger railways | Amtrak, Eurostar, JR East, SMRT |
| 4411 | Cruise Lines | Royal Caribbean, Carnival, Norwegian, Princess |
| 4722-4723 | Travel Agencies and Tour Operators | Expedia, Booking.com, Klook, Chan Brothers |
| 5962 | Direct Marketing– Travel-Related Arrangement Services | Airbnb, Agoda, Trip.com, Hotels.com |
This also covers SimplyGo bus and MRT fares (MCC 4111), so Citi Rewards isn’t the card to use for public transport.
Online payments made through Apple Pay or Google Pay don’t earn bonus points either, even for non-travel spend. Choose the credit card option at checkout instead. For instance, if you order food through the McDonald’s app and pay using:
- Google/Apple Pay linked to the Citi Rewards card: Earn only 1 TY point or 0.4 mpd
- Citi Rewards Card using the credit card option: Earn 10 TY points or 4 mpd.
2. Selected shopping categories
Earn bonus points on both online and in-store shopping at eligible department stores, clothing stores, and shoe stores. Here, tapping Apple Pay or Google Pay in-store still earns 4 mpd. Tapping at shops outside these categories (e.g. restaurants) earns only 0.4 mpd.
Eligible merchants include:
| MCCs | Description | Examples |
|---|---|---|
| 5311 | Department Stores | Aeon, Bed Bath & Beyond, M & S |
| 5611 | Men’s and Boy’s Clothing and Accessories Stores | Benjamin Barker, Burton, Coconut |
| 5621 | Women’s Ready to Wear Stores | Ally fashion, Amara, Mango |
| 5631 | Women’s Accessory and Specialty Stores | Ann Taylor, Celine, Coach |
| 5641 | Children’s and Infant’s Wear Stores | Carters, Avenue Kids, Cotton On Kids |
| 5651 | Family Clothing Stores | Armani exchange, Bossini, Hush Puppies |
| 5655 | Sports and Riding Apparel Stores | Adidas, Nike, Lululemon |
| 5661 | Shoe Stores | Aldo, Asics, Birkenstock, Crocs |
| 5691 | Men’s and Women’s Clothing Stores | Bershka, Dior, Fendi |
| 5699 | Miscellaneous Apparel and Accessory Shops | Amari, Esprit, Lacoste |
| 5948 | Luggage and Leather Goods Stores | American Tourister, Rimowa |
What to avoid
Not all purchases qualify for rewards. Transactions such as payments to educational, government, and financial institutions, insurance companies, quasi cash, donations, hospitals, and utilities earn nothing. You may refer to the full exclusion list here: Citi Rewards exclusion list.
How to maximize earning bonus points?
A popular way to earn 10x points is linking your Citi Rewards card with the free Instarem Amaze card. This combination offers the following benefits:
- Convert offline transactions into online transactions (local & overseas)
- Bypass the mobile wallet exclusion
- Avoid the 3.25% foreign currency fee
Amaze transactions are tagged as online transactions on your Citi Rewards card, allowing you to earn bonus points on in-store (offline) purchases at any merchant not on the exclusion list, even if they don’t fall under the selected shopping categories. This is particularly useful when you’ve reached the spending caps for your other cards (e.g., UOB Preferred Visa and UOB Visa Signature).
Linking your Citi Rewards card to Amaze and adding Amaze into your mobile wallet can also bypass the mobile wallet exclusion when necessary. For instance, Kris+ only accepts payments through Apple or Google Pay making this hack helpful for Kris+ users. This works because Citi sees the charge coming from Amaze, not from Apple Pay or Google Pay, so it’s still treated as an online transaction.
Using Amaze overseas also helps you avoid the 3.25% foreign currency (FCY) fee because it charges your Citi Rewards card in SGD. However, transactions are still subject to an FX spread of up to 2.1%, which is still lower than Citi’s FCY fee.
Amaze doesn’t change the merchant category, so travel-related spend still won’t earn bonus points.
Watch out for fees!
Since March 2025, Amaze charges a 1% fee on every local SGD transaction, with a minimum of S$0.50. Because of the minimum, smaller purchases pay a much higher percentage, which makes each extra mile more expensive:
| Spend | Amaze fee | Fee as % of spend | Cost per extra mile * |
|---|---|---|---|
| S$10 | S$0.50 | 5% | 1.4¢ |
| S$20 | S$0.50 | 2.5% | 0.7¢ |
| S$50 | S$0.50 | 1% | 0.3¢ |
| S$100 | S$1.00 | 1% | 0.3¢ |
*Based on the extra 3.6 mpd you earn by paying through Amaze instead of tapping your Citi Rewards card directly in-store.
As a rule of thumb, only use Citi Rewards with Amaze locally for spends of S$50 and above, if you really need to use it for in-store payments. For smaller in-store purchases, tap your Citi Rewards card directly (0.4 mpd) or use another card that earns bonus miles in-store.
This fee doesn’t apply to foreign currency spend, which is why the combo works best overseas.
How to use the Amaze card?
Link your Citi Rewards card in the Amaze app and select it as your source of payment. You can then use the physical Amaze card or add it to Google Pay or Apple Pay for contactless payments. Make sure to select Citi Rewards as your source card so you don’t miss out on the 4 mpd!
Don’t Have Amaze Yet?
What can I do with my Thank You points?
Citi Rewards Thank You (TY) points can be used to redeem merchandise and gift vouchers, get Apple rewards, offset eligible purchases with points, receive cash rebates, or transfer points to airline miles and hotel points.
What do I need to know before transferring Thank You points to airline miles or hotel points?
Citibank offers 11 transfer partners (listed below), all at the same rate of 25,000 TY points to 10,000 miles.
Transfers are made in blocks of 25,000 TY points, with a S$27.25 fee (inclusive of 9% GST) charged for each transfer. Points cannot be pooled across Citi cards, so each card needs at least 25,000 TY points on its own to make a transfer. For example, if you have 20,000 TY points on each of two Citi cards, you can’t transfer either balance, even though you have 40,000 points in total.
| Conversion Ratio | Transfer Partners |
|---|---|
| 25,000:10,000 |            |
You can check out my Tiktok video for the step-by-step guide on how to redeem Citi ThankYou points to a frequent flyer program.
Other things to know about your Thank You points
When are ThankYou points credited to my account?
Points are credited when transactions post, usually within 1–3 days.
How long are my ThankYou points valid for?
All TY points earned on the Citi Rewards Card expire five years (plus a three-month grace period) after card approval or renewal, not five years after the points are earned. For example, if your card was approved on 1 June 2020, all points earned from 1 June 2020 to 31st May 2025 will expire on 31 August 2025. A new five-year cycle for your TY points begins on 1 June 2025.
Tip: Points earned late in a cycle can expire within a few months, so note your card approval or renewal date and transfer your points before each cycle ends.
Final Thoughts
Citi Rewards is still one of the easiest ways to earn 4 mpd on everyday online spending and on in-store shopping at department stores, fashion and shoe outlets, up to S$1,000 per statement month. Just remember that travel bookings and in-app mobile wallet payments don’t earn bonus points.
Pairing it with Amaze now works best overseas, where you skip the 3.25% FCY fee and still earn 4 mpd. Locally, the 1% fee means the combo only makes sense for spends of S$50 and above.
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