Citi Rewards Credit Card Review 2024—Accumulate Points for Miles, Cash Rebates and More

Apply Now

More Details

Rewards Features

• Redeem rewards points across multiple categories via the Citi Mobile® App for dining and shopping vouchers, Pay with Points, cash rebates, and more

Annual Interest Rate and Fees

Minimum Income Requirements

Documents Required

Wireless Payment

Card Association

See all card details 

Citi Rewards Card—How does it work? 

The Citi Rewards Card offers rewards points when you spend with a base earn rate of: 1X point per $1 spent. You can earn up to 10X points (equivalent to 4 miles) for spending on certain items. 

Here’s what you can spend on to get that sweet, sweet 10X point earn rate:

1. Online purchases, including: 

• Groceries (e.g. NTUC FairPrice, Cold Storage, Redmart)

• Food delivery (e.g. Deliveroo, Foodpanda)

• Ride hailing (e.g. Grab, Gojek)

1. Offline in-store purchases

• Department stores 

• Men’s, women’s and children’s clothing stores 

• Sports and riding apparel stores

• Shoe stores

• Miscellaneous apparel and accessory shops

• Luggage and leather goods stores

The 10X Rewards comprise:

Here’s an example: 

 Bonus points are capped at 9,000 per statement month, so that’s the maximum amount you’ll get even though 7,200 + 4,950 = 12,150. 

However, with the base and bonus points, you’ll earn a total of 10,350 points. 

For any spending that does not qualify for the 10X rewards points, you receive the base earn rate of 1X reward point for every $1 spent.

Unfortunately, mobile wallet and travel-related transactions do not earn 10X points. This includes airlines, car rental agencies, travel accommodations, passenger transport and railways, cruises, travel agencies, and other travel-related purchases. So if you’re thinking of racking up points on big-ticket travel purchases, you’re out of luck.

Another benefit is free travel insurance when you buy and pay for your airfare with the Citi Rewards Card.

The card also gives you discounts—up to 14%—at Esso and Shell: 

• 5% Esso station discount + 5% Esso Smiles discount + 4% Citi Card discount 

• 5% Shell site discount + 5% Shell GO+ discount + 4% Citi Card discount = Total of 14% savings effectively

Most types of spending should be eligible for at least the 1X point earn rate, but there are some categories in which you cannot earn any points, according to the terms and conditions. They are:

• annual fees, interest charges, late payment charges, GST, cash advances, installment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, fees and charges

• funds transfers using the card

• Bill payment

• educational institutions

• payments to government institutions and services including fines, taxes, postal services, parking

• insurance

• financial institutions

• non-profit organisations

• betting or gambling

• top-ups to payment service providers, prepaid cards or prepaid accounts

• transit-related transactions

Should I get the Citi Rewards Card?

So scoring those sweet 10X points sounds pretty awesome, especially if you’re the type who’s always grabbing new threads, hopping into cabs, or feasting at home. This card’s a real winner for those who constantly find themselves picking up the tab for the fam—whether you’re ordering in during movie nights or when you’re organising those Lululemon hauls with your yoga crew.

Your points can then be converted to miles (10X points = 4 miles), or redeem them for vouchers, products or cash rebates. Check out Citibank’s website to find out the whole range of redemptions available.

But here’s the deal: to max out at 9X bonus points, you have to stick to spending no more than $1,000 per month on the statement. Anything over, and you’re missing out on extra rewards. If you’re regularly hitting that limit and then some, it might be worth looking into adding another card to your wallet for even more goodies. That might sound a little troublesome for the lazy folks who want to go all in for a single card.

Now, onto the not-so-great part: this card doesn’t give you any points for your travel expenses. Yeah, that’s kind of a bummer if you’re a globe-trotter. If you’re all about those travel adventures, it might be time to find a card that’s got your back no matter where you roam.

Citi Rewards Card sign-up promo

Sign up for the Citi Rewards Card and get a welcome gift of 40,000 bonus Citi ThankYou Points when you spend $800 in the first 2 months.

If you sign up on MoneySmart’s website, you also get exclusive MoneySmart promotions not available elsewhere. Check back for new promos as they are subject to change. 

Alternatives to the Citi Rewards Card

If you’re still not too sure about the Citi Rewards Card, here are a couple of alternatives to consider:  

HSBC Revolution Card 

• 10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments

• 1X reward point for every $1 spent on all other categories

MoneySmart Exclusive

Earn up to 4 miles per S$1 | Instant Activation*

HSBC Revolution Credit Card

MoneySmart Exclusive:

Get a Hinomi Q1 Ergonomic Chair (worth S$499) or a Samsung 27-inch Smart Monitor M5 (worth S$432) or an Apple AirPods 3rd Gen + S$50 Cash (worth S$313.80) or S$150 Cash via PayNow when you apply and spend a min. of S$500 from Card Account Opening Date to the end of the following calendar month. T&Cs apply.

Valid until 21 Apr 2024