Credit Cards

Best Citibank Credit Cards in Singapore – Credit Card Reviews 2019

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 2019

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

 

Citi PremierMiles Card – Citibank credit card for miles

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.

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

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 moreS$1 spent = 1 Rewards point (All other spend)

    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.

    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

    Citi Cash Back Card

    Citi Cash Back Card


    Card Benefits

    • Chinese New Year Giveaway - Win up to S$300 NTUC FairPrice Vouchers!
    • 8% cash back at food & beverage outlets, food & groceries delivery (including Deliveroo, honestbee, RedMart)
    • Up to 20.88% savings at Esso and Shell, and 8% cash back at other petrol stations
    • Total min. retail spend of S$888/month, 8% cash back capped at S$25 per category (Dining, Grab, Groceries and Petrol)
    • For retail spend less than S$888 and/or other retail spend categories, 0.25% cash back is awarded, no cap on 0.25% cash back earned

    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.

    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 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, SMRT, 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 (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!

       

      Related articles

      The Best Cashback Credit Cards in Singapore

      The Best Air Miles Credit Cards in Singapore 

      The Best Credit Cards in Singapore for Online Shopping

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