• Min. Monthly Income


  • Interest Rate

    26% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 20x Rewards for every S$1 spent on shopping
  • Redeem your earned Rewards points for shopping vouchers, cash rebate or miles
  • Receive up to S$120 cash back when you apply and spend!
Insurance / Health


  • 20X Rewards Point for every $1 spent at Amazon Prime (until 29 January 2018)
  • 10X rewards points for every S$1 spent on shoes, bags or clothes at any local and overseas departmental stores (online purchases too)
  • 1 Reward Point for every $1 spent on all other spending


  • Exclusive travel deals with discounts up to 35%
  • Redeem points for a holiday through Citi Thank You Rewards


  • Up to 14% savings on petrol with Shell & Esso


  • Up to 10% off dining bill with Citibank Gourmet Pleasure

Insurance / Health

  • Exclusive deals & up to 30% discounts at Spa Elements, Spa Infinity and Spa Symphony
  • Complimentary travel insurance

Other Features

  • Get $120 Cash Back with minimum spending of S$200 each month (promotion ends 30th June 2018)
  • Get Citibank Balance Transfer with 0% interest rates for 6 months with 2.5% upfront fee.

Card Information

Annual Fee $192.60
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 S$96.30
Finance charges S$3 or;

20% p.a. - prompt payment for 12 consecutive months

26% p.a. - prompt payment for at least 10 out of 12 months

29% p.a – if any of the above are not met

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6% of the amount withdrawn or S$15, whichever is higher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Finance charges of 26.90% p.a. subject to compounding on the amount withdrawn

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Get Up to 20X Rewards Easily

Citi Rewards Card allows you to earn 10 points or 4 Miles for every S$1 spent on clothes, bags and shoes on departmental stores or online shopping websites. On top of that, 20 points or 8 Miles will be given for every $1 spent on Amazon Prime (limited time only). Discounts are also available when you swipe your card on selected departmental stores like Bread & Butter, Camper, Evisu, Laprendo, and True Religion. Discounts on wellness treatments at Spa Elements, Spa Infinity and Spa Symphony are also available at selected outlets. On other spending, you are entitled to earn 1 reward point for every S$1 spent.

Fees and Charges

The annual fee for principal card is S$192.60; supplementary card is S$96.30. Annual fee waiver is given to principal and first two supplementary cards for the first year of subscription. There are 3 tiers of interest rates of being charged on outstanding balances. It comes with a minimum interest charge of S$3. The lowest tier is 20% per annum; you will be entitled to this rate only if you make payment promptly, or repaid more than 50% of your outstanding balances for 12 consecutive months. You will be charged at the second tier of interest rate, 26% per annum when you missed making prompt payments by 1 or 2 months.

Lastly, if you did not meet the mentioned requirements, you will be charged for 29% per annum on your outstanding balance. You are required to pay the minimum monthly payment, which is either 1% of your current balance and 1% outstanding balance, or S$50, which ever is greater. You will be penalised on paying late too, which is S$100 for late payment charge. If you were to withdraw cash, you would need to pay for 6% of amount withdrawn or S$15, whichever is greater.

Are You Eligible For Citi Rewards Card?

You are entitled for Citi Rewards Card if your income is at least S$2,500 per month (if you are a Singaporean or Singapore permanent resident); or more than S$3,500 per month (if you are a foreigner). Principal card applicant must be 21 years old and above; supplementary card applicant must be 18 years old and above.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi Prestige Card and ANZ Switch Platinum Card, which may match your requirements. If you prefer to broaden your credit card search, see more Citibank credit cards and start comparing today!