• Min. Monthly Income


  • Interest Rate

    26.9% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Welcome Gift: Get up to 30,000 Citi ThankYou Points
  • 10X Rewards Points on all of your online purchases* (except travel-related transactions)
  • 10X Rewards Points on your shopping spend locally & overseas
  • No minimum spend required
Insurance / Health


Welcome Gift: Up to 30,000 Citi ThankYou Points

  • New-to-bank customer who apply online will receive up to 30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 months.
  • Promotion valid until 31 January 2020
  • Terms & conditions apply.


  • 10X Rewards Points for every S$1 spent on shoes, bags or clothes at any local and overseas departmental stores (online purchases too)
  • *New* 10X Rewards on all your online purchases (except travel-related transactions as determined by Merchant Category Codes (MCC). T&C apply. )
  • 1 Reward Point for every $1 spent on all other spending
  • Exclusive discounts up to 25% when you shop online (Lazada, Zalora, Expedia)


  • Up to 10% off dining bill with Citibank Gourmet Pleasure
  • Enjoy $15 off when you order with Foodpanda (min. order of $30)
  • Up to 10% Rebate at over 300 locations including Subway, Starbucks and Sheng Siong


  • Exclusive travel deals with discounts up to 10%
  • Redeem points for a holiday through Citi Thank You Rewards


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

Insurance / Health

  • Complimentary travel insurance (coverage up to $1,000,000)

Other Features

  • Earn miles/reward points (depending on card type) when you pay your tax, rent, condominium management fee, school fee or electricity bill with Citi PayAll on the Citi Mobile® App.
  • 10X Rewards is capped at 10,000 Points per statement month. After the cap is reached, continue to earn 1X Reward for every S$1 spent
  • Get Citibank Balance Transfer with 0% interest rates for 6 months with 2.5% upfront fee.
  • No minimum spend is required.

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 (first year annual fee waiver)
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

3.25% - 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 26.90% p.a. subject to compounding on the amount withdrawn

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Welcome Gift of 30,000 Citi ThankYou Gift

New-to-bank customer who apply online will receive up to 30,000 Citi ThankYou Points when you spend S$3,000 in the first 3 months. Promotion valid until 31 January 2020.

Get Up to 10X 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. 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 top of that, you can also enjoy additonal discount up to 50% when you shop online on Lazada, Expedia, Zalora, Foodpanda Reebonz and many more. 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!