If you’ve been thinking about upgrading your credit card game, now might be the perfect time. Until 16 January 2025, Citibank is offering an exciting promotion for the Citi Prestige Card, letting cardholders earn up to 65,000 Citi Miles—enough to fund several flights or hotel stays (Thanks to E who asked in Telegram group!)!
Choose “Apply via Direct Bank” for this promotion.
Both promotions are non-stackable.
How the Bonus Works
Every new Citi Prestige Card applicant automatically gets:
- 32,000 Citi Miles upon paying the annual fee of S$651.82 (incl. GST), and
- 25,000 Citi Miles when you meet the qualifying spend of S$2,000 within 2 months from card approval.
That’s already a total of 57,000 miles.
If you’re a Citigold or Citigold Private Client, you get an extra 8,000 miles on top, bringing your total to 65,000 Citi Miles!
Qualifying Spend:
To get the full bonus, you’ll need to hit the S$2,000 qualifying spend within the “Qualifying Period”. The “Qualifying Period” starts from the Eligible Card approval date to the end of that calendar month (“First Month”) and, two full calendar months immediately after the end of that First Month. Example: if the Eligible Card is approved on 15 July 2025 the Qualifying Period will be from 15 July 2025 (i.e. card approval date) to 30 September 2025 (i.e. two full calendar months starting from August 2025), both dates inclusive.
The qualifying spend includes retail purchases—both online and in-store—but excludes:
(i) any Equal Payment Plan (EPP) purchases;
(ii) refunded/disputed/unauthorised/fraudulent retail purchases;
(iii) Quick Cash and other instalment loans;
(iv) Citi PayLite/Citi Flexibill/cash advance/quasi-cash transactions/balance transfers/annual card membership fees/interest/goods and services taxes;
(v) bill payments made using the Eligible Card as a source of funds;
(vi) late payment fees;
(vii) any other form of service/ miscellaneous fees; or
(viii) Citi Payall transactions where the customer is not charged the Citi Payall service fee.
Who is Eligible:
This promotion is open to customers whom (“Eligible cardmember”):
i. has applied for a Citi Prestige Card (“Eligible Card”) through our Citibank website or Citi mobile app as a main cardholder; and
ii. does not have an Eligible Card (as a main cardmember) at the time of his/her application for the Eligible Card; and
iii. did not previously have an Eligible Card (as a main cardmember) that was terminated/closed (whether by the individual or by Citibank) in the last twelve (12) months immediately prior to his/her application for the Eligible Card; and
iv. has not already submitted an application for an Eligible Card as a main cardmember, which is pending approval, at the time of his/her application for the Eligible Card.
Is the Citi Prestige Sign-Up Bonus Worth It?
Let’s break down the numbers. With the current promotion, new Citi Prestige cardholders can earn up to 65,000 Citi Miles. Here’s how the value stacks up:
Costs Involved:
- Annual Fee: S$651.82 (incl. GST)
- Qualifying Spend: S$2,000 within 2 months
Miles Earned:
- 80,000 ThankYou Points (32,000 Citi Miles) upon paying the annual fee
- 62,500 ThankYou Points (25,000 Citi Miles) when you meet the qualifying spend
- Total base bonus: 32,000 + 25,000 = 57,000 miles
- Extra for Citigold / Citigold Private Client: 8,000 miles → Total max bonus: 65,000 miles
Valuation (at 1.5 cents per mile):
- Base bonus: 57,000 × S$0.015 = S$855
- Gold bonus: 65,000 × S$0.015 = S$975
Net Value After Annual Fee:
- Base bonus: S$855 – S$651.82 ≈ S$203 net gain
- With Gold bonus: S$975 – S$651.82 ≈ S$323 net gain
Even if you’re not a Citigold client, the miles already cover the annual fee and give extra value.
How To Hit Qualifying Spend?
- Buy supermarket vouchers
- Pay for retail purchases, like dining, travel
- Use Cardup or iPayMy to pay for things like rent, helper’s salary, MCST, mortgage at a small fee
- Avoid AXS payments, insurance, hospital bills or anything on the exclusion list to be safe.
Alternative Promotion For Lower Qualifying Spend:
Alternatively, if you prefer a lower qualifying spend (S$500 within 30 days of card approval), then go for this SingSaver promotion (extended till 27th Nov) instead, giving you at least S$480 Cash via PayNow.
Timing & Redemption
- Miles are credited within 3 months after the qualifying period ends.
- Make sure your account is in good standing, or the miles could be withheld.
- Bonus miles cannot be used to offset your credit card bill or withdrawn as cash—they’re meant to take you places!
Read Terms and Conditions here (Non-Citigold)
Read Terms and Conditions here (Citigold)
Conclusion:
If you’ve been thinking about upgrading your credit card game, the Citi Prestige Card sign-up bonus is definitely worth considering. Even at the base level, the bonus miles not only cover the annual fee but also leave you with a net gain of around S$203. For Citigold or Citigold Private Client members, the total bonus climbs to 65,000 Citi Miles, giving you a net value of S$323—enough to fund flights, hotel stays, or a combination of both.
With flexible ways to hit the qualifying spend and a bonus that’s credited within months, this promotion makes earning Citi Miles effortless for new cardholders. If this breakdown helped you, you can support the channel by applying through my link or under “Apply Here – Direct Bank” above. Thank you in advance for your support for independent reviews like that!
