Citibank credit cards

Compare Citibank credit cards and find a card that meets your lifestyle and personal or business needs.

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Whether you’re seeking a credit card with travel deals and air miles, or want cashback, shopping discounts and savings on everyday spending, Citibank offers a large variety of cards to suit your lifestyle needs.

Find out what’s on offer from Citibank’s range of cards and learn the eligibility requirements before applying.

Citi Cash Back Card

Citi Cash Back Card

Receive S$120 cash back

Offer ends 31 January 2021

Eligibility criteria, terms and conditions, fees and charges apply

Citi Cash Back Card

Apply today and enjoy 8% cash back on dining, groceries and petrol daily, worldwide, including up to 20.88% fuel savings at Esso and Shell.

  • Principal Annual Fee: S$0 annual fee for 1 year - S$192.60 thereafter.
  • Cashback Rate: 8%
  • Annual Interest Rate: 26.9%
  • Minimum Income (Singaporean & PR): S$30,000
  • Minimum Income (Non-Singaporean): S$42,000
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Compare credit cards from Citibank

Name Product Reward Cashback Offer Annual Fee Min Income - Singaporean and PR
Citi PremierMiles Card
Deals and discounts in 95 countries. Plus, 10% off on hotel bookings with Expedia
Up to 10% cash back at selected merchants
S$0 annual fee for 1 year - S$192.60 thereafter
Get 37,300 miles when you spend S$9,000 in the first 3 months. Annual fee applies. Ends 31 March 2020.
Citi Cash Back Card
Get up to 20.88% off fuel. Plus, travel offers in 95 countries
8% cash back on dining, groceries and petrol transactions
S$0 annual fee for 1 year - S$192.60 thereafter
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citibank SMRT Card
Up to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Redeem S$10 cash back for shopping vouchers with every 10 SMRT$ earned
S$0 annual fee for 2 years - S$192.60 thereafter
Get a welcome gift of S$120 cash back when you spend S$1,200 in the first 3 months. T&Cs apply. Ends 31 January 2021.
Citi Rewards Credit Card
10X Rewards on certain shopping spend, including online purchases
Up to 20% cash back at selected merchants
S$0 annual fee for 1 year - S$192.60 thereafter
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. Ends 31 March 2020.
Citi Prestige Card
Deals and discounts in more than 90 countries. Also, get six complimentary golf games across Asia
Up to 20% cashback at selected merchants
S$535 annual fee
Get a welcome gift of 62,500 Citi ThankYou Points (25,000 Miles) or Gadget Welcome Gift. T&Cs apply. Ends 31 March 2020.

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Types of Citibank credit cards

Citibank offers a wide range of credit cards from student cards requiring no minimum income to cashback credit cards that reward spending while offering a host of privileges and perks across dining, travel, shopping and lifestyle. Compare your options based on the following types of cards and your financial circumstances.

Included in Citibank’s range of cashback cards are the Citi Cash Back Card and Citibank SMRT Card. These cards offer a variety of cashback deals on dining, travel, groceries, shopping, petrol and Grab rides, both in Singapore and overseas. Both cards provide fee waivers for the first year and new cardmembers will receive a cashback welcome gift upon meeting minimum spend requirements. You could also enjoy complimentary travel insurance, refer-a-friend bonuses and a host of card-specific promotions with partners including Expedia, Shopee, Agoda, Lazada, Zalora and Foodpanda.

Learn more about cashback credit cards

If you want to accumulate Citi Miles quickly, the Citi PremierMiles Visa card is a card that offers multiple Citi Miles on local and overseas spending. You could also benefit from flexible redemption options at participating frequent flyer and hotel loyalty programs and for purchases from global brands. Other travel perks could include complimentary travel insurance, VIP access to airport lounges, lost card replacement and travel protection services.

Learn more about frequent flyer credit cards

The Citi Rewards card and Citi Prestige card let you earn accelerated rewards on your spending. You could earn all-year-round rewards when you shop at qualifying merchants locally, overseas and online, as well as at department stores in Singapore. You’ll have many ways to redeem your Citi Thank You points, including for travel, merchandise, vouchers or in exchange for cash rebates. You can also expect to receive bonus Thank You points as an introductory offer when you meet minimum spends. Other perks may include complimentary travel insurance, hotel stays worldwide, golf games and 1-for-1 entertainment experiences.

Learn more about rewards credit cards

Many of the cards from Citibank offer savings on petrol. You could enjoy discounts on fuel at all Esso and Shell stations in Singapore. While Citibank doesn’t have one dedicated petrol credit card, the Citibank cards that do offer petrol discounts include the Citi PremierMiles Visa card, Citi Rewards card, Citibank SMRT Card and Citi Cash Back card.

Learn more about petrol credit cards

Citibank’s dedicated student card, the Citi Clear card, is tailored for tertiary students who don’t meet the minimum income requirements in Singapore. If you’re a student from one of the many eligible educational institutions, you could benefit from exclusive dining deals islandwide, including at restaurants you frequent that make you eligible for Citibank rebates over a specified spend, and a fee waiver for your first year of membership.

Features of a Citibank credit card

      If you’re unsure whether a Citibank credit card suits your needs, consider the following rewards, extras and security features:


      • Citibank Instant Rewards. Redeem points and instantly offset your purchases at participating outlets. You can also instantly redeem shopping vouchers and receive cash rebates via SMS.
      • Citibank Thank You Rewards. Turn your points or air miles into rewards including flights, hotels, car rentals and merchandise of your choice.
      • Citibank rebates. You could receive cashback on your Citibank credit card spending on top of your existing card benefits.
      • Citibank World Privileges. Enjoy shopping, dining and travel deals anywhere around the world.
      • Gourmet Pleasures. Redeem dining deals at over 500 outlets in Singapore when using your Citibank credit card.
      • Shopping and lifestyle exclusives. Available year-round when you spend on fashion, beauty and lifestyle and on monthly retail therapy specials with your Citibank credit card.

      Complimentary extras

      • Citibank Equal Payment Plan. This is a 0% interest instalment plan with flexible payments at over 1,000 locations including shopping, educational institutions and more.
      • Manage Citibank cards with convenience. All Citibank credit card members can make use of e-Statements, Citi Alerts, balance transfers, supplementary cards and quick cash loans.
      • FAST. Fast And Secure Transfers lets you pay your bills with your non-Citibank account almost instantly.
      • Citibank Bill Pay. Pay M1, SingTel, Starhub, Town Councils and many more billing organisations.
      • Citibank One Bill. Avoid service fees, long queues or late payments using Citibank One Bill to pay recurring bills such as your telco, town council, SPH and insurance bills automatically.
      • Citibank SMS Pay. Pay your bills with a simple SMS.
      • Increase your credit limit online or via mail. Increase your financial flexibility by upgrading your card to a higher credit limit of up to four times your monthly income.
      • Visa Checkout. A digital payment service designed to simplify your entire payment process when shopping online. This is available for both Visa and non-Visa Citibank cards.
      • EZ-Pay. Register for EZ-Pay with your Citibank Credit Card and forget card top-ups forever.


      • Card protection. Citibank credit cards have a whole host of features to safeguard you against unauthorised transactions. Citibank Alerts sends you an immediate SMS/email alert with each transaction on your Citibank credit card. All Citibank credit cards are now EMV (Europay, Mastercard and Visa) enabled, assuring your security and protection against fraud on local and overseas purchases.

      How to apply

      You can apply for a Citibank credit card online in about 15 minutes.

      Follow these steps to apply for a Citibank credit card:

      1. Compare your Citibank credit card options in the comparison table above.
      2. Select the credit card that best suits you, considering your lifestyle, credit needs, spending patterns and personal circumstances.
      3. Check the eligibility criteria for your chosen credit card to ensure you meet those requirements by selecting “Compare” in the table.
      4. When you’re ready to apply, click “Go to site” to start your online application with Citibank.

      Before applying, make sure you meet the following eligibility requirements and have all the relevant documents and details you need on hand.

      Eligibility criteria

      While specific requirements may vary depending on the specific Citibank card you apply for, most Citibank credit cards have the following requirements:

      • Age. You must be at least 21 years of age (or at least 18 years of age for the Citibank Clear card).
      • Minimum income. Except for students applying for the Citibank Clear card, most Citibank credit cards require the following minimum income levels:
        • S$30,000 for Singapore citizens or Singapore permanent residents (SPRs)
        • S$42,000 for foreigners in employment for at least one year
      • Residential status. Singaporean citizens, permanent residents and foreigners can apply for a Citibank credit card. However, foreigners may be subject to higher income requirements and stricter employment criteria.
      • Credit history. Applicants must have a good credit rating.

      Required documents

      Make sure you have the following information and documents ready when you apply:

      • Personal details. You’ll need to provide personal details including your name, email address, phone number, residential address and National Registration Identity Card (NRIC) or passport and Employment Pass Number with date of expiry.
      • Credit card information. You’ll need to provide your credit card number and disclose information including your annual income bracket, whether you currently hold a Citibank credit card and the type of card you wish to apply for (travel, rewards, cashback or student for example).

      Supporting documents

          Frequently asked questions

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