• Min. Monthly Income


  • Interest Rate

    26.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Daily savings with up to 10% Citi Rebate
  • Up to 5% Citi Rebate on overseas retail purchases
  • Up to 10% Citi Rebate on M1 mobile and broadband bills


  • Savings up to 14% at Esso
  • Up to 13.6% savings at Shell


  • Up to 5% Citi rebate for overseas retail spending
  • Up to 10% Citi rebate for every local retail spending
  • 5% cash back on online shipping charges


  • Up to 10% Citi rebate on M1 bills
  • 1% Citi rebate on purchases at M1 shop


  • 1-for-1 dining deals at selected restaurants
  • Up to 10% Citi rebate at selected partners


  • Up to 2% Citi rebate at selected supermarkets

Other Features

  • Offset M1 bills with Citi rebates
  • 24-month installment free plan available for purchase of phone (applicable for phones worth $200 and above)
  • Get 24GB free additional data when you apply for the card!

Card Information

Annual Fee $192.60 (First year annual fee waived)
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder $96.30
Finance charges 26.9% p.a. - prevailing interest rate

20.9% p.a. - promotional rate provided that account is in good conduct

29.9% p.a – in the event of past due in the current month

S$3 - if outstanding balance is below S$3

Up to 3.0% - Foreign Currency Transaction fee

Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to available credit limit

Cash advance charge

6% of the amount withdrawn or S$15, whichever is higher

Cash advance interest charge

Finance charges of 26.9% p.a. subject to compounding on the amount withdrawn

Cashback Limit

S$200 per statement period

Rewards points expiry


Product Review by iMoney Singapore

Enjoy high rebates on M1 bills.

Citibank M1 Platinum Card is here for you to enjoy a line up of benefits for mobile and broadband. You may earn up to 10% Citi Rebate and redeem at over 70 locations that you like including Burger King, Cold Storage, Shell and Starbucks and also up to 2.5% Citi Rebate on M1 mobile and broadband bills. You may also earn up to 5% Citi Rebate on any retail purchases. On top of that, you may offset your M1 bill with your Citi Rebate earned. So you swipe, earn and you are ready to enjoy M1 offset bills.

Fees and Charges

Annual fee for the basic card is S$160.50 and supplementary card is S$85.60. Annual fee waiver is given to principal card and all supplementary cards for the first year of subscription. Interest rates for outstanding balances are divided into 3 tiers, with minimum interest charge of S$3. The lowest interest rate is 20% per annum, you will get to enjoy this rate if you never failed on making payment promptly, or less than 50% of your outstanding balance for 12 consecutive months. If you missed paying promptly by 1 or 2 months, your interest rate on your outstanding balance will be 26% per annum. If you did not meet the first two requirements, your interest charge will be 29% per annum for your outstanding balance. Late payment charge is S$100. As for cash advance, you would be charged with S$15 or 6% of withdrawn amount, whichever is higher.

Are You Eligible For Citibank M1 Platinum Card?

To apply Citibank M1 Platinum Card, your monthly income must at least S$2,500 (for Singaporeans and Singapore permanent residents); S$3,500 (for foreigners). Minimum age for principal and supplementary card applicants is age 21 and above, and age 18 and above, respectively.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such Citibank SMRT Platinum Visa Card and OCBC Plus! Visa Credit Card, which may match your requirements. If you prefer to broaden your credit card search, review more Citibank credit cards and start comparing today!