Citi Rewards Card
Earn 10 ThankYou Points per S$1 on eligible online shopping and selected department-store, clothing, shoe and bag purchases. Other eligible spending earns 1 point per S$1.
Benefits & important limits
- Earn 10 ThankYou Points per S$1 on eligible online shopping and selected department-store, clothing, shoe and bag purchases. Other eligible spending earns 1 point per S$1.
- The 9X bonus component is capped at 9,000 points per statement month: equivalent to the first S$1,000 of 10X spending. Base points are uncapped; transaction amounts round down to whole dollars.
- Online travel-related transactions and mobile-wallet transactions do not qualify for the online 10X bonus. Insurance, government payments, education, wallet top-ups and other listed exclusions also apply.
- ThankYou Points have a defined validity period; they are not the non-expiring Citi Miles earned by PremierMiles. Airline transfers use the partner’s conversion ratio and transfer fee.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First year waived; subsequent fee waiver is subject to the bank’s assessment.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Citi lists foreign applicants with a passport and valid work pass of at least six months’ validity, proof of address, latest payslip and Income Tax Notice of Assessment. Confirm your exact pass type with Citi.
Principal age: 21+
Application documents ↗Overseas & FX fees
Citi foreign-currency Visa / Mastercard purchases incur an administrative fee of up to 3.25%, on the network-converted SGD amount. Cashback and miles do not waive this fee.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.