Citi Rewards
Miles card by Citi · Easy · No minimum spend
Earns 4 mpd on online and in-app spend (not travel, transit or mobile wallets). Everything else in S$ earns 0.4 mpd. Annual fee: S$196.20, 1st year free.
Best rate4 mpdOnline and in-app spend
Everything else0.4 mpdin S$
Bonus capS$1,000a statement
Annual feeS$196.201st year free
Checked against Citi's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Online and in-app spend (not travel, transit or mobile wallets) | Pay online | 4 mpd |
| Department, clothing, shoe and bag stores (in-store too) | Any way of paying | 4 mpd |
| Everything else, in S$ | Any way of paying | 0.4 mpd |
| Everything else, in a foreign currency | Any way of paying | 0.4 mpd |
The bank's full earning rules
- 1 base point per SGD 1 on eligible spend, uncapped (0.4 mpd).
- 9 bonus points per SGD 1 (10X, 4 mpd) on (a) purchases at stores whose main business is shoes, bags and clothes, and department stores, and (b) purchases at online retail merchants, made via the internet or mobile apps, excluding mobile wallet and travel-related transactions.
- Online is decided by Citi's system indicators that the transaction is online.
- Bonus cap: 9,000 bonus points per statement month (about SGD 1,000 of bonus spend).
Where the bonus applies
- In-store or online: department stores (MCC 5311), clothing and accessories (5611, 5621, 5631, 5641, 5651, 5655, 5691, 5699), shoe stores (5661), luggage and leather goods (5948)
- Online retail merchants generally (e.g. online shopping, food delivery, ride-hailing, online groceries per Citi's product page)
- Not eligible for 10X online: travel MCCs 3000–3999, 4411, 4511, 4722–4723, 7011–7012, 7512 (airlines, car rental, hotels, cruises, travel agencies), transit 4111–4112 and 4789, and 5962
Earns nothing on
- Annual fees, interest, late charges, GST, cash advances, instalment and payment plans, balance transfers, quasi-cash, fees and…
- Fund transfers using the card
- Bill payments through any channel or agent
- Payments to educational institutions
- Payments to government institutions and services
See all 13
- Annual fees, interest, late charges, GST, cash advances, instalment and payment plans, balance transfers, quasi-cash, fees and miscellaneous charges
- Fund transfers using the card
- Bill payments through any channel or agent
- Payments to educational institutions
- Payments to government institutions and services
- Payments to insurance companies
- Payments to financial institutions
- Payments to non-profit organisations
- Betting or gambling
- Top-ups or payments to payment service providers and prepaid accounts
- Transit-related transactions
- Never earn (Citi Rewards Exclusion List, effective 16 Dec 2024), by MCC: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523 (parking), 7800 (US only), 7995, 8062 (hospitals), 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9754
- 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
Annual feeSGD 196.20 (incl. 9% GST), first year waived.
Minimum incomeSGD 30,000 a year for Singaporeans and PRs; SGD 42,000 for foreigners.
Overseas feeUp to 3.25% administrative fee on foreign-currency transactions; 1% on SGD transactions processed overseas (Citibank pricing guide, same for all Citi cards).
Rewards expiryPoints are valid for 60 months from the date you become entitled to the programme, then unused points stay usable for a further 1 month (Cardmember's Agreement, effective 1 May 2025). The 10X promotion terms (1 Apr 2024) still say a further 3 months; the newer agreement is shown here.
Turning rewards into miles or cash25,000 Citi ThankYou points = 10,000 KrisFlyer miles (10 points per SGD 1 = 4 mpd). Admin fee SGD 27.25 (incl. GST) per points transfer.
Good to know
Online 10X excludes payments made through mobile wallets and any travel or transit transaction. If you pay online through a wallet, it may not earn the bonus.
Where these facts come from
Citi Rewards Card 10X Rewards Promotion T&Cseffective 1 Apr 2024
Citi Rewards Exclusion List (ThankYou Points / Citi Miles / Cash Back)updated Nov 2024, effective 16 Dec 2024
Citibank Pricing Guideprinted Sep 2026
Citibank Visa/Mastercard Cardmember's Agreement (covers Citi Rewards points rules)printed Feb 2025, effective 1 May 2025
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