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.
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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.
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.
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.
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.
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:
Compare your Citibank credit card options in the comparison table above.
Select the credit card that best suits you, considering your lifestyle, credit needs, spending patterns and personal circumstances.
Check the eligibility criteria for your chosen credit card to ensure you meet those requirements by selecting “Compare” in the table.
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.
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.
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).
A copy of your NRIC/passport
Latest original computerised payslip OR
Tax Notice of Assessment or last 12 months’ Central Provident Fund (CPF) statement
A copy of your NRIC/passport
Last two years’ Income Tax Notice of Assessment
Last three months’ bank statements
Photocopy of your NRIC (front and back) AND
CPF contribution history for the last 12 months OR
Computerised payslip for the last three months OR
Latest Income Tax Notice of Assessment and latest computerised payslip
A copy of your NRIC/passport
One of the following:
Latest original computerised payslip
Income Tax Notice of Assessment
Last 12 months’ CPF statement
A copy of telephone or utility bill or bank statement that includes your name and address
Citibank offers a wide variety of credit card promotions, including online deals with Lazada, RedMart, Shopee, Zalora, Expedia, Agoda, Trip.com and more. You could also access dining deals and 1-for-1 offers at more than 1,000 hotels and restaurants across Singapore.
You can activate your new Citibank card via the Citi Mobile app or online.
To activate on mobile:
Download the Citi Mobile app on your phone from the App Store or Google Play.
Click “Activate your card” and follow the provided instructions to complete your card activation or if you’ve already logged in to the mobile app, under “Credit card settings” tap “Activate now” and enter your one time pin (OTP) and CVV of the new card.
To activate via online banking:
Log in with your provided user ID and password
Under “Services” > “My Profile”, click on the “Card Activation” link and follow the steps on screen.
There are various ways to pay your credit card or Ready Credit bills, including via:
Citibank mobile app
Self-service phone banking
AXS station or AXS phone application
Citibank has a 24/7 phone banking hotline that you can call at 6225 5225 for general enquiries or you can refer to the contact details on its website for specific product enquiries including card activation, credit card application, checking your account transactions and paying bills using OneBill.
Georgia Tan is a writer at Finder specialising in consumer comparisons. She loves words almost as much as she loves drinking long blacks. Georgia is completing her Bachelor of Commerce at the University of Sydney.
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