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Citi Rewards Credit Card Review

Enjoy 10X Rewards on your shopping worldwide, get a first year-annual fee waiver, and more.

The Citi Rewards card is perhaps a dream come true for shopaholics. Whether you’re buying from a local or overseas retailer, online or from a brick-and-mortar store, you can earn a heap of Reward Points from all eligible payments to help you offset your next purchase.

Additionally, cardholders get extra perks such as online shopping rewards, exclusive dining deals and petrol discounts.

Compare the card features and fees to find out if it is right for you.

$0 annual fee for 1 year - $192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameCiti Rewards Credit Card
Reward10X Rewards on eligible online (except travel), offline fashion shopping and department stores capped at 9,000 points per statement month.
1X Rewards for other retail purchases.
Effective Interest Rate26.9%
Interest Free PeriodUp to 25 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly Repayment1% or $50, whichever is the higher
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Benefits of using the Citi Rewards Credit Card

The Citi Rewards Card offers both cost-saving features and a rewards program. Some of this card’s main benefits are:

  • Welcome Offer. Get up to 30,000 Citi Thank You points when you spend $3,000 in the first 3 months. T&Cs apply. Ends 31 March 2022.
  • 10X Rewards. Earn 10X Rewards Points (equivalent to 4 Miles) for every $1 spent on clothes, shoes and bags. Purchases from online (except travel), offline (except non-fashion purchases), departmental and retail stores (local or international) are all eligible for 10X Reward Points. All other purchases will entitle you to 1 point per $1 spent. Note that the maximum 10X Reward Points you can earn are capped at 10,000 points per month. After the cap is reached, continue to earn 1X reward for every $1 spent. Rewards Points are valid for up to five years. T&Cs apply.
  • Petrol discounts. Save up to 14% petrol savings at Shell and Esso stations. Read more about credit cards that offer petrol discounts.
  • Refer-a-friend bonus. Receive $150 per successful referral and up to $800 bonus for further successful referrals. T&Cs apply. Ends 30 Apr 2022.

Features of the Citi Rewards Credit Card

Some of the main features of the Citi Rewards Card are:

  • Annual fee. Expect an annual fee of $192.60 for the primary card and $96.30 for every supplementary card. First-year annual fees are waived for the primary card and two supplementary cards.
  • Complimentary travel insurance. Charge your full airfare to your Citi Rewards Credit Card for peace of mind when you travel. The complimentary insurance covers a wide range of incidents from flight delays to medical expenses incurred while travelling.
  • Redemption flexibility. Depending on your needs and preferences, you can use your Rewards Points to either make direct payments through Samsung Pay or your Citi credit cards, redeem vouchers at participating merchants islandwide, exchange for cash rebates or redeem for the wide range of benefits listed on Citi ThankYouSM Rewards.
  • Dining and travel perks. Indulge with special offers at selected restaurants. You can also enjoy travel deals such as airfare sales, accommodation, car rentals and other travel discounts, helping you save while travelling in style.

How to apply for the Citi Rewards Credit Card

If you have compared your options and decided to apply, you can proceed by clicking Go to site on this page to begin your online application. Before you apply, make sure to meet the following eligibility requirements.

Eligibility criteria

  • Earn at least $30,000 p.a. if you’re a Singaporean or permanent resident, or $42,000 if you’re a foreigner
  • Have a good credit rating
  • Be at least 21 years or older

Required documents

To ensure the application process goes smoothly, have the following information handy:

For Singaporeans or permanent residents

  • Photocopy of your NRIC (front and back) or passport
  • Latest computerised payslip; or
  • Latest income tax notice of assessment; or
  • Last 12 months’ CPF statement

For self-employed

  • Photocopy of your NRIC (front and back) or passport
  • Income tax notice of assessment from the last two years OR bank statements from the last three months

For non-permanent residents

  • Photocopy of your passport and work permit (with at least six months validity)
  • Latest mobile bill, utility bill or bank statement with your name and address
  • Latest computerised payslip
  • Latest income tax notice of assessment

Bottom line

The Citi Rewards Credit Card is more suited to the frequent shopper versus one whose lifestyle involves dining out regularly. While this card has a first year-annual fee waiver, the $192.60 annual fee for subsequent years may offset any savings if you’re not maximising the card on eligible expenses. Be sure you compare a variety of other rewards or cashback cards to help you find one that suits your circumstances and needs.

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