Cards › Citi › Citi Prestige Card
Citi Prestige Card
Miles card by Citi · Easy · No minimum spend
Earns 1.3 mpd on all spend in S$ and 2 mpd in a foreign currency. Annual fee: S$651.82.
Checked against Citi's own terms on 8 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Everything else, in S$ | Any way of paying | 1.3 mpd |
| Everything else, in a foreign currency | Any way of paying | 2 mpd |
The bank's full earning rules
- 3.25 ThankYou Points per S$1 on local retail purchases (in S$).
- 5 ThankYou Points per S$1 on overseas retail purchases (in any currency other than S$).
- Relationship Bonus Points each membership year, by tenor with Citi: Citigold Private Client/Citigold 15% / 20% / 30% (0–5, 6–10, over 10 years); Citibanking 5% / 10% / 15%.
- Supplementary card spend earns points for the main cardmember.
- Uncapped.
Where the bonus applies
- All eligible retail purchases
Earns nothing on
- Annual fees, interest, charges, GST, cash advances, instalment/equal payment plans, balance transfers and quasi-cash
- Funds transfers, bill payments
- Educational institutions, government services (fines, taxes, parking), insurance, financial institutions, non-profits
- Betting or gambling; top-ups to payment service providers, prepaid cards and accounts; transit transactions
- Excluded MCCs: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7800, 7995…
See all 7
- Annual fees, interest, charges, GST, cash advances, instalment/equal payment plans, balance transfers and quasi-cash
- Funds transfers, bill payments (incl. via Citibank Online)
- Educational institutions, government services (fines, taxes, parking), insurance, financial institutions, non-profits
- Betting or gambling; top-ups to payment service providers, prepaid cards and accounts; transit transactions
- Excluded MCCs: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7800, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9754
- Merchants such as AXS, EZ-Link, TRANSIT and BUS/MRT
- Never earn, by merchant or statement description (same list; not exhaustive, any combination or part of these counts): AXS, AMAZE*AXS, BANC DE BINARY, BUS/MRT, AMAZE*BUS/MRT, EZ-link, AMAZE*EZ-link, OANDA ASIA PAC, SAM, Saxo Cap Mkts Pte Ltd, SIMPLYGO*, SPL AUTO*, SPL ATU*, SPL ONLINE*, SKYFX.COM, TL-ABT, TRANSIT, AMAZE*TRANSIT, Transit Link, Youtrip Singapore SG
Fees and limits
Good to know
Uncapped: 3.25 ThankYou Points per S$1 local (1.3 mpd) and 5 points per S$1 in foreign currency (2 mpd). ThankYou Points never expire.
Relationship Bonus, paid once per membership year: Citigold/Citigold Private Client get 15% (0–5 years with Citi), 20% (6–10 years) or 30% (over 10 years); Citibanking customers get 5%, 10% or 15%. Not modelled, because Citi's agreement bases it on your total retail spend for the year while the product page calls it bonus points on card purchases, so the extra miles per S$1 are unclear.
Bonus and welcome points only count if the annual fee is paid.
Where these facts come from
Is this card right for you? See how it does with your spending
Compare Citi Prestige Card with
Already have Citi Prestige Card?
Cardinko tracks its caps and minimum spend as you go, and tells you which card to use at every shop.