Credit Cards

Best Citibank Credit Cards in Singapore – Credit Card Reviews 2018

citibank credit card review

Clara Lim

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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 from Citibank credit cards 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:

Citibank Credit Cards

Credit card Benefits Things to note
Citi Cash Back Card 8% cashback on dining, groceries, petrol, Grab Min. spend $888

Cashback cap $25 per category

Citi PremierMiles Visa Card $1 = 1.2 miles (local)

$1 = 2 miles (overseas)

$1 = 7 miles (Agoda)

Min. income $50,000
Citi Rewards Card 10X rewards ($1 = 4 miles) on shoes, bags, clothes (online) and department stores (local and overseas)

20x rewards ($1 = 8 miles) at DFS, Takashimaya and Tangs until 3 May 2018

Expenditure cap $2,000

Bonus is based on merchant category codes

Citibank SMRT Card 4.7% cashback on groceries, movies, coffee, fast food

2.7% cashback on online shopping

1.7% cashback on EZ-Link, health & beauty

+0.3% with min. spend of $300

Rebate is in SMRT$

Capped at 600 SMRT$ a year

Citi M1 Card 10% cashback on M1 bills (min. spend $600) or 3% cashback (min. spend $300)

Boost your M1 plan data (up to 24GB)

Min. spend $300 or $600

 

Citibank cashback credit card: Citi Cash Back Card

Citi Cash Back Card

Citi Cash Back Card


Card Benefits

    • 8% cash back at food & beverage outlets, supermarkets, food & groceries delivery (including Deliveroo, honestbee, RedMart) and Grab rides globally (valid till 6 Apr 2018)
    • Up to 20.88% fuel savings at Esso and Shell, and 8% cash back at other petrol stations
    • Total minimum retail spend of S$888/statement month to get 8% cash back, capped at S$25 per category (Dining, Grab rides valid till 6 Apr 2018, Groceries, Petrol). For retail spend less than S$888 and/or other retail spend categories, 0.25% cash back is awarded, no cap

    There are many all-purpose cashback credit cards in Singapore, but the Citi Cash Back Card stands out as one of the best with high rebates on everyday spending. It’s suitable for families or working adults who spend about $300 a month on each cashback category.

    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)

     

    Also consider: BOC Family Card

     

    Citibank air miles credit card: Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card

    Citi PremierMiles Visa Card


    Card Benefits

      • S$1 = 1.2 Citi Miles (Local spend)
      • S$1 = 2 Citi Miles (Overseas spend)
      • Earn up to 7 Citi Miles per S$1 spent on Agoda.com/bonusmiles and 3 Citi Miles per S$1 spent on expedia.com.sg/bonusrewards
      • Citi Miles never expire
      • Priority Pass™ membership gives you access to more than 600 airport lounges twice a year
      • Receive 10,000 Citi Miles upon membership renewal and payment of annual fee
      • Complimentary Travel Accident Insurance up to S$1,000,000 coverage, Medical Assistance Programme and Travel Inconvenience Coverage

      The Citi PremierMiles Visa Card used to have one of the best sign-up bonuses – 42,000 miles if you pay the annual fee and spend $10,000 in 3 months, but only for new-to-Citibank applicants. Although the offer has expired according to the credit card Terms & Conditions, it appears to still be an option on the website.

      Apart from that, the Citi PremierMiles stands out because of its generous bonus miles when you book on Agoda, with no apparent cap. No other credit card gives you this many miles on Agoda.

      Key features:

      • $1 = 1.2 miles (local)
      • $1 = 2 miles (overseas)
      • $1 = 7 miles (Agoda, bookings up to 22 July 2018)

      Essential info:

      • Minimum income: $50,000
      • Annual fee: $192.60 (can be waived if you forgo the 42,000 miles bonus)

       

      Also consider: UOB PRVI Miles Card

       

      Citibank rewards credit card for shopping: Citi Rewards Card

      Citi Rewards Card

      Citi Rewards Card


      Card Benefits

        • 10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
        • Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
        • S$1 spent = 1 Rewards point (All other spend)

        The Citi Rewards Card is ideal for fashionistas who love to shop for bags, shoes and clothes. You get 10X rewards points on these categories, which you can put towards air miles, shopping vouchers, hotel stays, dining vouchers, etc. And while most rewards credit cards in Singapore give 10X rewards on online spending, this is one card you can actually use offline, locally and overseas.

        Key features:

        • Get 10X rewards on clothes, shoes and bags and at department stores
        • Get 20X rewards at DFS, Takashimaya and Tangs until 3 May 2018
        • Rewards categories apply both online and offline, local and overseas
        • 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)

         

        Also consider: DBS Woman’s World Card

         

        Citibank cashback credit card with no minimum spend: Citibank SMRT Card

        Citibank SMRT Card

        Citibank SMRT Card


        Card Benefits

          • Up to 5% savings on on Groceries. 4.7% (For transactions above $50. If transaction is $50 and below, 2.7% awarded instead) + 0.3% (If monthly card spend is at least $300)
          • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
          • Up to 3% savings on Online Shopping. 2.7% + 0.3% (If monthly card spend is at least $300)
          • Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300). Including GNC, Guardian, Nature's Farm, NTUC Unity Healthcare & Watson's
          • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
          • Up to 5% savings for the following with monthly spend of at least $300. 5% at POPULAR Bookstores and Toys"R"Us, 5% at selected Town Councils for Service and Conservancy Charges, 1% savings on Telecommunication bills, 1% on selected Insurance providers, 1% on SPH Newspaper Subscriptions. If monthly spend is less than $300, SMRT$ earn rate will be 0.3% less.
          • Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, Popular, Watsons, Shaw Theatres
          • 0.3% awarded on all other spend categories

          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.

          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, no convenience fee
          • Extra 0.3% cashback on all categories if you spend more than $300 a month
          • Rebates are in the form of SMRT$ for public transport use
          • 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)

           

          Also consider: POSB Everyday Card

           

          Citibank cashback credit card for M1 bills: Citi M1 Card

          Citi M1 Card

          Citi M1 Card


          Card Benefits

            • >S$600 total spend/month - 10% rebate on M1 recurring bills
            • S$300-S$599 total spend/month - 3% rebate on M1 recurring bills
            • Less than S$300 total spend/month - 0.5% rebate on M1 recurring bills
            • 0.3% rebate on all overseas spend and local retail spend
            • Up to 1% Citi Rebate on purchases at M1 stores

            For M1 users, this credit card is a must-have as it instantly upsizes your data plan, and you get cashback when you use it to pay your telco bills.

            Key features:

            • Welcome offer: upsize your M1 plan with up to 24GB more data if you set up recurring GIRO payment for your M1 bills
            • New-to-Citibank applicants get double the data boost compared to existing Citi cardholders
            • 10% cashback on M1 bills (min. spend $600) or 3% cashback (min. spend $300)

            Essential info:

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

             

            Also consider: UOB Delight Card

             

            Other Citibank credit cards

            • Citi PremierMiles American Express Card: Amex version of the Citi PremierMiles Card, for $80,000 p.a. and above
            • Citi Prestige Card: rewards / air 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!

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            Clara Lim

            I used to be MoneyDumb. I hung out at H&M every day and thought that a $50 lunch set was a good deal. These days, I spend my time researching the crap out of life and trying to maximise utility on micro-decisions. I'm not sure if that's an improvement.