If you shop a lot, buy groceries for the whole family, dine out often and take rides everywhere, the Citi Rewards Credit Card may be the most worth it for you. 

Its main draw is points accumulation which can be converted into frequent flyer miles or cash rebates. It offers 10X rewards points or $1 for 4 miles for online purchases across several categories such as online groceries, food delivery, ride-hailing, and offline purchases in department stores and several fashion brands. 

Let’s dig in to see what else this card offers.

Citi Rewards Credit Card—MoneySmart Review 2025

Citi Rewards Card: Summary

Citi Rewards Card—How does it work?

Should I get the Citi Rewards Card?

Citi Rewards Card—Sign-up promo

Alternatives to the Citi Rewards Card

Citi Rewards Card—Is it MoneySmart?

Overall: ★★★☆☆ (3.5/5)Best for: Those who need to buy everything for the household including groceries, clothing, and sportswear. It’s good for those who often order food delivery and take ride shares.

Pros—What we like Cons—What we don’t like

Lets you earn 10X points on certain categories

Able to earn 1X point on all other purchases 

Minimal effort card

Points can be redeemed for cash rebates 

Spending on travel not eligible for cashback 

Bonus Points are subject to a cap of 9,000 per statement per month ($1,000/month spend)

Citi Rewards Card Category Our rating The deets Earn rates: Cashback ★★★★☆

10X Points for online purchases (for online grocery, food delivery, ride-hailing and more).

10X Points for shopping purchases (for department store, clothing stores and more)

1X Point for all other purchases

Exclusions: mobile wallet and travel-related transactions

Earn categories ★★★★☆ Annual fees and charges ★★★★☆

$196.20

3.25% foreign currency transaction fee

Accessibility ★★★☆☆

Be at least 18 years old

$30,000 for Singaporean/PR; $42,000 for foreigners

Extras/periphery rewards ★★★☆☆

Up to 14% savings at Esso or Shell

Free travel insurance

Access to dining deals on Citi World Privileges 

Sign-up bonus ★★★☆☆ Get $400 cash or 6,140 SmartPoints, and a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks when you spend $500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash! Promotion ends 30 Jun 2025.

See our credit card ranking rubric to find out how we rank credit cards.

Citi Rewards Card: Summary

The Citi Rewards Card by Citibank has been around for quite a few years and is one of the bank’s main cards for those who wish to rack up points in the Citi Rewards Programme.

The card lets you earn Citi Rewards points (which can also be exchanged for miles) when you shop online and offline, take Grab or Gojek rides or spend on online food or grocery delivery.

The Citi Rewards Card is a reliable option for building points within Citi’s Rewards Programme. It lets you earn points, which can be converted to miles on all sorts of purchases including—online shopping, offline sprees, Grab/Gojek rides, and even online food and grocery deliveries. Swipe it for everyday spending and watch those points pile up—pretty satisfying.

Citi Rewards Card—How does it work? 

The Citi Rewards Card offers rewards points when you spend with a base earn rate of: 1X point per $1 spent. You can earn up to 10X points (equivalent to 4 miles) for spending on certain items. 

Here’s what you can spend on to get that sweet, sweet 10X point earn rate:

1. Online purchases, including: 

Groceries (e.g. NTUC FairPrice, Cold Storage, Redmart)

Food delivery (e.g. Deliveroo, Foodpanda)

Ride hailing (e.g. Grab, Gojek)

2. Offline in-store purchases

Department stores 

Men’s, women’s and children’s clothing stores 

Sports and riding apparel stores

Shoe stores

Miscellaneous apparel and accessory shops

Luggage and leather goods stores

The 10X Rewards comprise:

1X base point for every $1 spent 

9X bonus points for every $1 spent 

Here’s an example: 

Category Points eligible Amount spent (S$) Base points earned Bonus points earned

Department Stores 10X 800.99 800 x 1 = 800 800 x 9 = 7,200

Shoe stores 10X 550.24 550 x 1 = 550 550 x 9 = 4,950

Total 1,350 9,000*

 Bonus points are capped at 9,000 per statement month, so that’s the maximum amount you’ll get even though 7,200 + 4,950 = 12,150. 

However, with the base and bonus points, you’ll earn a total of 10,350 points. 

For any spending that does not qualify for the 10X rewards points, you receive the base earn rate of 1X reward point for every $1 spent.

Unfortunately, mobile wallet and travel-related transactions do not earn 10X points. This includes airlines, car rental agencies, travel accommodations, passenger transport and railways, cruises, travel agencies, and other travel-related purchases. So if you’re thinking of racking up points on big-ticket travel purchases, you’re out of luck.

Another benefit is free travel insurance when you buy and pay for your airfare with the Citi Rewards Card.

The card also gives you discounts—up to 14%—at Esso and Shell: 

5% Esso station discount + 5% Esso Smiles discount + 4% Citi Card discount 

5% Shell site discount + 5% Shell GO+ discount + 4% Citi Card discount = Total of 14% savings effectively

Most types of spending should be eligible for at least the 1X point earn rate, but there are some categories in which you cannot earn any points, according to the terms and conditions. They are:

annual fees, interest charges, late payment charges, GST, cash advances, installment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, fees and charges

funds transfers using the card

Bill payment

educational institutions

payments to government institutions and services including fines, taxes, postal services, parking

insurance

financial institutions

non-profit organisations

betting or gambling

top-ups to payment service providers, prepaid cards or prepaid accounts

transit-related transactions

Citi Rewards Card

Annual Fee $196.20

Annual Fee Waiver Available

Supplementary Card Annual Fee $98.10 (waived for first year)

Interest Free Period 25 days

Annual Interest Rate 27.9%

Late Payment Fee Determined by Citibank 

Minimum Monthly Repayment 1% plus 1% of any outstanding unbilled installment amounts plus interest charges plus late payment charge or S$50, whichever is higher

Foreign Currency Transaction Fee 3.25%

Cash Advance Transaction Fee 8% or $15, whichever is higher

Overlimit Fee $40

Minimum Income $30,000 (Singaporean/PR) / $42,000 (non-Singaporean)

Card Association Mastercard

Contactless Payment MasterCard PayPass, Apple Pay, Samsung Pay, Google Pay, Citi Pay

Should I get the Citi Rewards Card?

So scoring those sweet 10X points sounds pretty awesome, especially if you’re the type who’s always grabbing new threads, hopping into cabs, or feasting at home. This card’s a real winner for those who constantly find themselves picking up the tab for the fam—whether you’re ordering in during movie nights or when you’re organising those Lululemon hauls with your yoga crew.

Your points can then be converted to miles (10X points = 4 miles), or redeem them for vouchers, products or cash rebates. Check out Citibank’s website to find out the whole range of redemptions available.

But here’s the deal: to max out at 9X bonus points, you have to stick to spending no more than $1,000 per month on the statement. Anything over, and you’re missing out on extra rewards. If you’re regularly hitting that limit and then some, it might be worth looking into adding another card to your wallet for even more goodies. That might sound a little troublesome for the lazy folks who want to go all in for a single card.

Now, onto the not-so-great part: this card doesn’t give you any points for your travel expenses. Yeah, that’s kind of a bummer if you’re a globe-trotter. If you’re all about those travel adventures, it might be time to find a card that’s got your back no matter where you roam.

Citi Rewards Card sign-up promo

From now till 30 Jun 2025, sign up for the Citi Rewards Card via MoneySmart and get a welcome gift of $400 cash or 6,140 SmartPoints, and a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks. All you need to do is spend $500 within 30 days and submit the claim form. Additionally, spend monthly on your card for 3 months and you’ll get extra $50 cash.

You can redeem SmartPoints for anything from electronics and office equipment to shopping vouchers and miles. For example, of the 6,410 SmartPoints you’ll receive, you can redeem 18,000 KrisFlyer miles using 6,000 SmartPoints.

Alternatives to the Citi Rewards Card

If you’re still not too sure about the Citi Rewards Card, here are a couple of alternatives to consider:  

HSBC Revolution Card 

10X rewards points (equivalent to 4 air miles or 2.5% Cashback) for every S$1 spent online or via contactless payments

1X reward point for every $1 spent on all other categories

Standard Chartered Rewards+ Credit Card

10X rewards points (equivalent to 4 air miles) for every S$1 spent in foreign currency

5X rewards points for every S$1 spent locally

1X reward point for every $1 spent on all other categories

It all depends on your spending habits and what types of categories you are most likely to spend on, so you can use the right card to get the most number of points. 

However, if you are more interested in the points to be converted to miles, it may be more worth it getting an air miles credit card with a good earn rate. Plus, many also offer pretty good welcome bonuses! 

P.S. Here’s our MoneySmart credit card ranking rubric

In case you’re wondering, here’s how we decide on our credit card rankings.

Is that credit card MoneySmart? Our MoneySmart credit card ranking rubric

Category Our rating

Overall The average rating for the credit card on the whole, calculated from the ratings for the individual categories below. Plus, we’ll give you a one-liner on who we think the credit card is best suited for.

Earn rates: Air miles / Cashback / Rewards points Air miles ✈️✈️✈️✈️✈️ / Cashback / Rewards points . This category looks at the depth rather than breadth of earn rates.

5 stars means this card’s got the highest earn rates within that credit card type.

3-4 stars mean it’s average

1-2 stars reflect earn rates that are below average.

Earn categories This category looks at the breadth rather than depth of your earnings.

5 stars: Earn with ANY spend.

3-4 stars: Earn on a large number of categories (e.g. all dining, transport and retail, but not telco bills) OR earn on 1 very broad category (e.g. all contactless/mobile payments).

1-2 stars: Earn a decent rate only on selected categories, such as fast food only.

Annual fees and charges

5 stars: $0

4 stars: $1-200

3 stars: $201-500

2 stars: $501-$999

1 star: $1,000 and up

We dock a star if fee waiver is NOT allowed.

Accessibility Minimum income requirements:

5 stars: Less than $30,000 a year

4 stars: Around $30,000 a year for Singaporeans and $40,000-$45,000 for non-Singaporeans

3 stars: $30,000-$60,000 a year for Singaporeans, $40,000-$70,000 for non-Singaporeans

2 stars: $60,000-$120,000 a year for Singaporeans, $70,000-$120,000 for non-Singaporeans

1 star: $120,000 and up for either, or both

Exclusivity: We dock 1-2 stars if there is/are another category/categories that make the card exclusive and very specific to a certain clientele.

Extras/periphery rewards These include:

Travel benefits, such as airport lounge access

Lifestyle benefits, such as spa privileges

Dining benefits, such as complimentary AMEX Love Dining or Entertainer with HSBC subscriptions

We count the number of benefits and award between 0.5 to 2 stars for each, depending on how good the perk is.

Sign-up bonus

5 stars: The gift(s), cash, or miles are the highest we see out there compared to other credit cards of the same type (miles, cashback, etc). Also easy to attain these welcome bonuses.

3-4 stars: Average but not disappointing sign-up bonus compared to other credit cards. You aren’t losing out.

1-2 stars: You are probably losing out in terms of the welcome bonus you’re getting; there are other similar credit cards with sign-up bonuses that are better or easier to attain.

Check out our other credit card reviews and credit card sign-up promotions.

About the author

Audrey Ng is a bargain hunter who tries to sniff out the best deals possible whether it’s food, shopping or travel. She will out auntie the auntiest of aunties.