Best Citibank Credit Cards in Singapore – Credit Card Reviews 2020

Best Citibank Credit Cards Review

Unlike some other banks, Citibank doesn’t have a bazillion credit cards on offer. Instead, they only have a handful, and each card in their stable serves a very specific purpose. Therefore, choosing a Citibank credit card is straightforward – the categories you spend in will tell you which one to go for.

Here’s a run-down of Citibank’s credit cards:

 

Best Citibank credit cards in Singapore 2020

Citibank credit card Key benefits
Citi PremierMiles Card $1 = 1.2 miles (local) / 2 miles (overseas) / 3 to 10 miles (Expedia, Agoda, Kaligo)
Citi Rewards Card 10X rewards ($1 = 4 miles) on online spending, excluding travel-related expenses
Citi Cash Back Card 8% cashback on dining, groceries, petrol, Grab
Citi SMRT Card 4.7% cashback on groceries, movies, coffee, fast food + 2.7% cashback online. Extra 0.3% on all categories if minimum spend hits $300

 

Citi PremierMiles Card – Citibank credit card for miles

Citibank logo
MoneySmart Exclusive
Earn Miles That Don't Expire
Local Spend
S$1 = Up to 1.2 Miles
All Foreign Currency Spend including Retail and Online
S$1 = 2 Miles
Selected Online Hotel Bookings
S$1 = Up to 10 Miles
MoneySmart Exclusive: <div>Get a <strong>Sony WH-1000XM4 Wireless Noise-Cancelling Headphones</strong> worth $549 when you apply and spend on your card! Fill in the redemption form after the application to redeem. T&amp;Cs apply.</div> Valid till 30 Sep 2020.

If you want to earn miles with your Citibank card, the Citi PremierMiles card is your best bet. It won’t give you crazy returns on your spending, though – the earn rates are only average (compare it against the other miles cards in Singapore here).

To really maximise your miles, use the Citi PremierMiles card to do your flight and hotel bookings to take advantage of the accelerated earn rates. You might also want to stalk Citibank for a good sign-up promotion (it changes every couple of months) before you sign up for the card.

Currently, MoneySmart is offering $200 cash via PayNow for new-to-Citibank customers. Valid until 29 Feb 2020.

Click here to read the full review of the Citi PremierMiles Card.

Key features:

  • Earn 1.2 miles per $1 spent locally
  • Earn 2 miles per $1 spent overseas
  • Accelerate your miles when you book through Expedia ($1 = 3 miles), Agoda ($1 = 7 miles) or Kaligo ($1 = 10 miles)
  • Current sign-up promotion: 21,000 bonus miles if you spend $7,500 in first 3 months AND pay annual fee
  • Free Priority Pass airport lounge access (2 visits per year)
  • No minimum spend
  • Miles don’t expire

Essential info:

  • Minimum income: $30,000 (Singaporean/PR) or $42,000 (foreigner)
  • Annual fee: $192.60

 

Citi Rewards Card – best for earning Citibank rewards

Citibank logo
MoneySmart Exclusive
Earn Points for Online Spending
Online Spend, including Food Delivery and Groceries
S$1= 10X Points
Grab and Gojek
S$1= 10X Points
All Other Spend
S$1 = 1 Point
MoneySmart Exclusive: <div>Get a <strong>Sony WH-1000XM4 Wireless Noise-Cancelling Headphones</strong> worth $549 when you apply and spend on your card! Fill in the redemption form after the application to redeem. T&amp;Cs apply.</div> Valid till 30 Sep 2020.

Now, Citi has extended the bonus categories to all online spending, excluding travel-related expenses. You get 10X rewards points on these categories, which you can put towards air miles, shopping vouchers, hotel stays, dining vouchers, etc. This makes the Citi Rewards Card a powerful one because you can use it for everyday online, offline, local and overseas expenditure.

See how the Citibank Rewards Card compares to other rewards credit cards in Singapore.

Likewise, there’s a $200 sign-up incentive if you are new to Citibank. Apply for Citi Rewards card via MoneySmart by 29 Feb 2020.

See the full review of the Citibank Rewards Card here.

Key features:

  • Get 10X rewards ($1 = 4 miles) on online spending, excluding travel
  • Rewards categories apply both online and offline, local and overseas
  • Bonus points capped at $1,000 a month of spending
  • Exchange points for items in Citibank’s very nice rewards catalogue or use them to pay for Amazon purchases

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $42,000 (foreigner)
  • Annual fee: $192.60 (waived for first year)

 

Citi Cash Back Card – 8% cashback on daily necessities

Citibank logo
MoneySmart Exclusive
Cashback on Dining, Groceries & Grab
Cash Back on Dining, Groceries & Petrol
8%
Cash Back Cap per category, per month
S$25
Min. Spend per month
S$888
MoneySmart Exclusive: <div>Get a <strong>Sony WH-1000XM4 Wireless Noise-Cancelling Headphones</strong> worth $549 when you apply and spend on your card! Fill in the redemption form after the application to redeem. T&amp;Cs apply.</div> Valid till 30 Sep 2020.

There are many all-purpose cashback credit cards in Singapore, but the Citi Cash Back Card stands out as one of the best with a high 8% rebate on Singaporeans’ everyday spending categories: Food (dining out & groceries) and transport (petrol & Grab rides).

Middle-class families and couples with high expenses will not find it difficult to hit the minimum spending requirement of $888 a month to qualify.

The tricky thing with this card is managing the individual cashback caps of $25 per category, which works out to about $300 of expenditure for each of the 4 categories.

Apply for Citi Cash Back Card before 29 Feb 2020 to get $200 cash via PayNow.

See the full review of the Citi Cash Back Card here.

Key features:

  • Get 8% cashback on dining out, groceries (including online), petrol and Grab rides
  • The $25 cap on each category limits spending to $312.50 each
  • Minimum spend of $888 a month

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $42,000 (foreigner)
  • Annual fee: $192.60 (waived for first year)

 

Citi SMRT Card – cashback card with no minimum spend

Citibank logo
No Minimum Spend for Cashback
Cash Back on Eligible Spend
5%
Cash Back Cap per year
S$600
Min. Spend per month
S$300

If you have trouble hitting the minimum spend of the Citi Cash Back Card, the Citibank SMRT Card is a very decent alternative as it has no minimum spend imposed. It’s an ideal card for fresh grads, part-time students or frugal Singaporeans.

Or pair it with a dedicated credit card for e.g. petrol or dining, so you don’t have to worry about hitting the minimum spend on too many cards.

The same $200 via PayNow for new to bank customers applies! Apply for Citi SMRT via MoneySmart to qualify. 

Key features:

  • Get 4.7% cashback on groceries, fast food, movies, coffee (e.g. Starbucks)
  • Get 2.7% cashback on groceries (<$50), online shopping
  • Can be used as an EZ-Link card – enable auto top-up to get 1.7% cashback (2% if top-up is more than $30), no convenience fee
  • Extra 0.3% cashback on all categories if you spend more than $300 a month
  • Rebates are in the form of SMRT$, can be redeemed as cash rebates via SMS
  • Cashback capped at 600 SMRT$ a year

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $42,000 (foreigner)
  • Annual fee: $192.60 (waived for two years)

 

Other Citibank credit cards in Singapore

Citi M1 Card: Earns rebates for M1 telco bills

Citi Prestige Card: Rewards/miles credit card with 24-hour concierge for $120,000 p.a. and up

Citibank Clear Card: Student credit card with dining rebates

Citi Corporate Card: Corporate card for business expenses

Citi Purchasing Card: Corporate card for easily tracking employee expenses

Do you use Citibank credit cards? Tell us why or why not in the comments!