Citi Lazada Card Review

Earn up to 10X rewards points when shopping on Lazada. Plus, you could enjoy free travel insurance.

If you like to be rewarded for day-to-day spending online, the Citi Lazada Could work for you. You’ll not only get more rewards while shopping on Lazada, but you can earn 5X rewards on lifestyle spending. And take advantage of shipping rebates, complimentary travel cover, and more.

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$0 annual fee for 1 year - $192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameCiti Lazada Card
RewardEarn 10x rewards on eligible Lazada purchases and 5x rewards on qualifying dining, entertainment and commute purchases
Effective Interest Rate26.9%
Interest Free Period25 days
Maximum Credit LimitUp to 4x of monthly income
Minimum Monthly Repayment1% or $50, whichever is higher

Review by

James Martin is a senior writer at Finder. He has written on a range of finance and business topics for over five years and his work has been featured in publications including The Irish Times, Companies 100, In Business and Q Magazine (UK). As a trained journalist, James can drill into the finer details of financial products to help you save time and money. In his spare time, James is a committed sports fan, novel reader and Thai food enthusiast.

Expert review

The Citi Lazada Credit Card is a great card for those who frequently shop on Lazada. Not only do you get to earn up to 10X rewards, but you will also be entitled to shipping rebates, as well as exclusive offers for members. Those who often spend in the lifestyle category could also find the card useful for them. There is no limit on the amount of reward points you can earn, which could be a great card to use when purchasing big-ticket items. The easy ways of redemptions via payment with participating merchants on through the Citi Mobile app is also a plus point. Overall, the Citi Lazada Card is a straightforward rewards card good for lifestyle spending and fans of Lazada.

Benefits of using the Citi Lazada Card

  • Points bonuses. Earn 10X Reward Points when shopping at Lazada. Plus, you’ll get 5X Reward Points including on dining, travel and entertainment spend. Reward points are capped at 9,000 points per month
  • Save on deliveries. Up to four times a month you could reduce the cost of shipping on Lazada – to qualify, you’ll need spend a minimum of $50 per shop at the e-commerce outlet.
  • Complimentary travel insurance. This benefit can be enjoyed if you charge you air fare to your credit card.

Features of the Citi Lazada Card

  • Citi World Privileges. Unlock a host of further offers both in Singapore and in 95 countries globally. Current promotions include 20% off your food bill at Prego (ends 30 Dec 2022) and up to 10% cashback on accommodation bookings with Visa (ends 31 Dec 2024).
  • Annual fee waiver. Your card fee of $192.60 is waived for the first year.
  • Citi Quick Cash. You may be able to convert your Citi Credit Card’s available credit limit into cash, payable in monthly instalments along with your monthly payment. Always make sure you’re able to repay any amount you borrow.
  • Mobile features. Citibank has a clear, user-friendly app. It’s easy to get cash rebates with ease via SMS. Or use your points to get money off your next purchase.

Eligibility criteria

  • Open to Singaporeans, Singapore permanent residents and foreigners
  • 21 years old and above
  • Minimum income of $30,000 (local/PR) or $42,000 a year for foreigners

Required documents

Salaried employees

  • A copy of your NRIC/passport
  • Latest original computerised payslip or tax notice of assessment or last 12 months’ CPF statements


  • A copy of your NRIC/passport
  • Last 2 years’ income tax notice of assessment
  • Last 3 months’ bank statements


  • A copy of your passport and work permit (with minimum 6 months’ validity)
  • A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerized payslip

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