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CITIRewardsVisa
CITI

Citi Rewards Card

Hand-checked snapshot for Singapore. Author: Spiddy Ng. Figures below come from the linked bank sources — if a field is missing, we say so.

Earn rates

  • 10X: MCC 5311,5611,5621,5631,5641,5651,5655,5661,5691,5699,5948 (dept stores, apparel, shoes, bags): 10 ThankYou Points per S$1 (1 base + 9 bonus)
  • 10X: online retail (excl. mobile wallet and travel MCCs 3000-3999, 4111, 4112, 4789, 4411, 4511, 4722, 4723, 5962, 7011, 7012, 7512): 10 points per S$1
  • all other: 1 point per S$1

Rounded down to nearest S$1 per transaction; PDF filename says 2020 - confirm current

Source: https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/10x-rewards-promotion-terms-and-conditions-2020.pdf · last checked 2026-10-22

Caps

Bonus points capped at 9,000 per statement month (= S$1,000 of 10X spend); base uncapped

Source: https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/10x-rewards-promotion-terms-and-conditions-2020.pdf · last checked 2026-10-22

Minimum spend

0

Source: https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/10x-rewards-promotion-terms-and-conditions-2020.pdf · last checked 2026-10-22

Conversion

25,000 Citi ThankYou Points = 10,000 KrisFlyer/partner miles (i.e. 1 pt = 0.4 mile); S$27.25 admin fee per transfer

Source: https://www.citibank.com.sg/credit-cards/privileges-programs/credit-card-rewards-redemption/points-transfer.html · last checked 2026-10-24

Exclusions (summary)

bill payments, education, government, insurance, financial institutions, non-profits, gambling, e-wallet/prepaid top-ups, transit, instalments, fees (10X T&C clause 5)

Excluded MCCs: 4829, 4900, 5199, 5960, 5993, 6012, 6050, 6051, 6211, 6300, 6513, 6529, 6530, 6534, 6540, 7349, 7511, 7523, 7800, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9754

Citi exclusion list updated Nov 2024, effective 16 Dec 2024

Source: https://www.citibank.com.sg/credit-cards/pdf/rewards-exclusion-list.pdf · last checked 2026-10-22

Sign-up gift

40,000 Citi ThankYou Points

Promotion 1 Aug 2024-31 Mar 2027. New customer: applied online; no existing principal Citi credit card; none closed in last 12 months; no pending Citi card application. Approved and opened within 30 days of applying. S$800 Qualifying Spend (main+supp) within 2 calendar months counted from the account-opening month (e.g. opened 12 Aug -> Aug to end Oct). Excludes EPP, refunds, Quick Cash/instalment loans, PayLite/FlexiBill, cash advance, quasi-cash, BT, fees, interest, GST, bill payments, late fees, Citi PayAll without service fee. Credited within 3 calendar months after the spend period; clawback if spend reversed; not valid with other acquisition offers.

Source: https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/online-product-led-acquisition-promotion-terms-and-conditions.pdf · last checked 2026-10-22