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Compare Citi Credit Cards by rewards, cashback, and travel benefits
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Citi PremierMiles World Select Mastercard
1.2 Citi Miles^ for every S$1 local spent
2.2 Citi Miles^ for every S$1 foreign currency spent
Citi Miles earned does not expire
2 complimentary visits^ every year to airport lounges worldwide
Citi Rewards Card
10X Points+ for online** purchases (for online grocery, food delivery, ride-hailing and more)
10X Points+ for in-store shopping purchases (for department store, clothing stores and more)
1X Point+ for all other purchases
Citi Prestige Card
5 ThankYouSM Points for every S$1 foreign currency spent
3.25 ThankYouSM Points for every S$1 local spent
Unlimited 4th night free stay at hotels worldwide
Airport transfers, complimentary golf rounds, exclusive dining and entertainment experiences and more
Citi Cash Back+ Card
1.6% cash back on your spend all year round
No minimum spend required and no cap on cash back earned
Cash back earned does not expire
Citi SMRT Card
5% savings# on online purchases, groceries, taxi, ride-hailing & public transport rides (SimplyGo (tap to pay) transactions only)
5% savings# on Malaysian Ringgit Spend
0.3% savings on other retail spend
Citi M1 Card
Up to 5% rebates~ on eligible Entertainment spend.
Up to 3% rebates~ on M1 Telco Bill Charges.
Up to 3% rebates~ on in-store purchases at M1 Shops.
Citi Clear Card
The ideal card for tertiary students with no minimum income required
Exclusive shopping, dining and travel deals await you!
Offset your purchases with Citi Pay with Points or choose to redeem for merchandise or shopping vouchers through Citi ThankYouSM Rewards.
Please select a credit card
Welcome offer
Annual Fee
Key Features
Supplementary Card
Minimum Income Per Annum
Minimum Income Per Annum (Foreigners)
Citi PayAll
Citi PayLite
Promotions & Deals
Limited-time offers to maximise your rewards, cash back and travel benefits with your everyday spending and card usage.
Refer a friend &
get S$150
Refer your friends to sign up for a Citi Credit Card.
Get S$150 for each successful referral* and your friend get to enjoy Citi Credit card welcome offers.
Lifestyle Rewards & Experiences
Elevate your lifestyle with Citi World Privilleges and enjoy benefits across dining, shopping, and travel with your Citi Credit Cards.
Citi Gourmet Pleasures
From casual bites to exclusive dining, unlock delectable deals that make every occasion a treat to savour.
Shop Smart with Citi
From home essentials, groceries to beauty and fashion finds. Explore a wide range of online and in-store shopping deals.
Travel Smart with Citi
From flights and hotels to exclusive travel privileges, enjoy rewarding experiences for an unforgettable holiday.
Citi Credit Cardmember Exclusive
when you join Citigold
Unlock elevated offers, premium benefits and personalised privileges - all designed to reward your continued relationship with Citi.
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Attractive Welcome Rewards |
Receive exclusive welcome rewards when you join Citigold
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Limited-Time Offers |
Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.
Rewards & Privileges
Unlock premium privileges, redeem rewards with ease, and get more value from every transaction.
Citi ThankYouSM Rewards
Access to travel benefits, lifestyle rewards and cash back with Citi ThankYouSM Rewards
- Pay with Points: Use your Points/Miles to offset your purchases.
- Redemption Catalogue: Enjoy voucher redemption with your Points/Miles.
- Apple Rewards Store: Upgrade to the latest Apple Products with your Points/Miles.
Citi PayAll
Earn rewards when you use Citi PayAll to pay your taxes and other bills.
- Limited Time Promotion:
Receive S$80 eCapitaVoucher, plus get up to 0.7% Bonus Cash Rebate* for every S$1 spent on Citi PayAll fee-paying transactions. - Use Citi PayAll for Tax, Insurance, Education Expenses, Rent and over 20 payment categories.
- Pay your bills with Citi PayAll and pay a service fee, to start earning Citi Miles/Points.
*T&Cs apply.
Exclusive Cards Privileges
Curated deals when you shop, travel and dine.
- Discover online shopping deals and at the malls.
- Explore travel deals on flights, hotels, attractions and more
- Uncover dining deals across more than 200 restaurants.
Connect to Wealth
Get more savings
with our new
My Vouchers
Redeem eVouchers seamlessly on the Citi Mobile® App and enjoy incredible deals with your Citi Credit Cards
Special Discounts
Exclusive savings on a variety of merchants
Limited-Time Offers
Don’t miss out these fantastic deals
Earn More Rewards
Use your card to accelerate your rewards
Click here for FAQs
Card Services
Manage payments, track activity, and access flexible card services with ease.
Citi Quick Cash Loan
Convert your Citi Credit Card / Citibank Ready Credit available credit limit into cash, payable in monthly instalments along with your monthly payment.
- Flexible line of credit
- No processing fees
- Repayment options ranging from 12 to 60 months
Review your Credit Limit
Embrace life’s possibilities when you review your credit limit the hassle-free way.
- Instant Approval via MyInfo with Singpass
- Unlock your financial flexibility with a higher Credit Limit
- Useful for extra spending whenever you shop, dine or travel
Citi PayLite
Convert unbilled retail transactions into instalment payments.
- Turn big purchases into affordable instalments
- Low processing fees
- Convert your purchases via the Citi Mobile® App
Citi FlexiBill
Convert your Citi Credit Card and Citibank Ready Credit card statement balance into instalments.
- No documents required and no hidden fees
- Low processing fees
- Hassle-free conversion via the Citi Mobile® App
Citi FlexiBuy
Convert your purchases at participating merchants into an instalment payment plan of up to 36 months.
- No documents required and no hidden fees
- No processing fees, and you can still earn Points, Miles or Cash Back where applicable
- Convert your purchases on the terminals available at participating merchants
Knowledge is Wealth
Gain deeper insights to maximise your card benefits and manage your credit cards with confidence.
More ways to unlock travel
privileges
The ultimate guide to Citi Credit Card rewards and privileges
Your guide to choosing the right Credit Card for your lifestyle
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Frequently Asked Questions
Find answers to common questions about our credit cards
Applying for a Citi Credit Card
You can apply for a Credit Card online or via the Citi Mobile® App.
For new customers: Click here to apply for a Citi Credit Card online.
For existing customers:
Apply easily via Citi Mobile® App:
- Open the Citibank SG mobile app
- Log in with your User ID and Password
- Tap “Grow your relationship” on the dashboard
- Select “Credit Card”
- Select the Citi Credit Card you want to apply for
To apply for a Citi Credit Card in Singapore, you must:
- Be at least 21 years old or above.
- Meet the minimum annual income requirement, which varies by credit card type.
- Income requirements differ based on your residential status, with higher thresholds for foreign applicants.
For specific eligibility details, refer to the individual Citibank Singapore Credit Card page before applying.
You will need the following documents, depending on your employment status:
- Salaried individuals:
A copy of your NRIC or passport, and your latest computerized pay slip or Income Tax Notice of Assessment. - Self-employed individuals:
A copy of your NRIC or passport, and the last 2 years’ Income Tax Notice of Assessment. - Foreign applicants:
A copy of your passport and valid work permit (minimum 6 months validity), proof of address (utility, residential telephone, or broadband bill, or bank statement with your name and address), along with your Income Tax Notice of Assessment and latest computerized pay slip.
Citi Credit Card applications typically take up to 6 working days to process when applied via Citibank Online.
Applications with missing documents or incomplete information may take a longer time to process.
Once you submit your Citi Credit Card application online, an auto-triggered email will be sent to your registered email address.
This email contains a link to check your application status.
A credit score is a numerical number which the lenders use to measure your creditworthiness and ability to pay back the debts. It is an independent assessment which is based on your credit history. A credit score is measured on the scale of 1,000 to 2,000, where a score of 2,000 means you are least likely to default on your debt. A credit score is an important factor which is considered when you apply for a loan and therefore you should maintain a good credit score at all times.
A good credit score indicates that you are capable of paying your debt and therefore you can expect to avail a loan at attractive rate of interest. However, a bad credit score impacts your eligibility by reducing your creditworthiness. If your credit score is low, lenders hesitate to offer you loans or would offer at high rate of interest.
You can apply for a Citi Supplementary Credit Card via the Citi Mobile® App or Citibank Online.
- Citi Mobile® App:
- Open the Citibank SG app
- Log in with your User ID and Password
- Tap “Grow your relationship.”
- Select Supplementary Card
- Choose your Citi Supplementary Credit Card
- Citibank Online:
Click here to apply for Citi Supplementary Credit Card Online
Yes, you can apply for and hold multiple Citi Credit Cards, subject to meeting eligibility criteria and approval.
Once your application is approved, your Citi Credit Card will be delivered to your registered address within a few working days.
Using your Citi Credit Card
You can activate your card using the following methods:
Citi Mobile® App
- Launch 'Citibank SG' mobile application on your mobile.
- Sign on with your User ID and Password.
- Tap the 'Profile' menu, under 'Cards & accounts', tap on the card you would like to activate.
- Tap 'Activate now'.
- Enter the One Time Pin (OTP) of Citi Mobile Token PIN to proceed
- Enter the CVV of your new Citi Credit Card.
- Tap Activate.
Citibank Online
- Sign on with your User ID and Password.
- Under 'Services' > 'My Profile', click on the 'Card Activation' link and follow the steps onscreen.
- Please enter the One-Time PIN (OTP) generated using your Citi Mobile Token or your Online Security Device (OSD) or request an OTP via SMS.
- Click 'Continue' to proceed.
For more information on card activation, click here
You can enable overseas transactions on your Citi Credit Card through the Citi Mobile® App. This will allow both overseas purchases and ATM withdrawals. You can also manage magnetic stripe usage for overseas transactions in the same section:
- Log in to the Citi Mobile® App
- Go to Profile > Cards & accounts
- Select your card
- Tap Settings & More
- Choose Overseas Activation
- Enable overseas usage and toggle magnetic stripe settings as needed
Yes, Citibank uses stringent security measures, including fraud monitoring, regular internal audits, Citi Alerts for transactions above S$500 (customisable), and 3D secure authentication at participating merchants to protect your credit card information from misuse.
However, fraud prevention and card security is a shared responsibility. It is important that you:
- Travel and shop safely
- Check your account balance regularly
- Install the latest antivirus and anti-malware software on your mobile or computer
- Avoid saving online banking login details on browsers
- Do not open email attachments, install software, or run programs from unknown sources
- Check and review alerts or push notifications before authenticating transactions
For more information, refer to the Citibank online security page.
Yes, Citi Credit Cards are protected with regularly updated security systems to safeguard your privacy during online transactions. In addition to your username and password, OTP (One-Time PIN) or push authentication provides an extra layer of protection against unauthorized access.
Citi Alerts notify you of all transactions above S$500 (customisable) for both online and offline usage, helping you monitor activity in real time.
For more information, refer to the Citibank online security page.
Citibank Online
- Sign in to your Citibank Online account using your username and password.
- Select 'Services' -> 'My Profile'
- Select 'Change ATM PIN' on the left
- Authorize your action by using the QR scan on the Citi Mobile App and proceed to update your ATM PIN accordingly
Citi Mobile® App
- Log in to Citi Mobile® App and tap on ‘Manage'
- Select 'ATM Pin' and proceed to update your ATM Pin accordingly
You can now access your Citi Credit Card account with the new PIN. For safety reasons, we recommend that you change your Citi Credit Card PIN regularly
You can access your Citi Credit Card e-statement via Citi Mobile® App or Citibank Online. Here’s how to do it:
Citi Mobile® App:
- Log in to Citi Mobile® App and tap on ‘View all statements.’
- Select 'PDF' on the top of the screen
- View you credit card e-Statement
Citibank Online
- Sign in to your Citibank Online account using your username and password.
- Select 'View Electronic Statements' from the 'Quick Tasks' section on the right panel
- Select the statement, year, and month.
- Click 'proceed' on the confirmation page to download or view the statement.
However, to access your Citi Credit Card statement online, you need to enroll for our E-Statements service. Send an SMS 'Citiestmt' to 72484 (7CITI) for E-Statements or login to Citibank Online and enroll for E-Statement and E-Advices.
You can check your statement date and payment due date in your latest Citi Credit Card e-statement via the Citi Mobile® App or Citibank Online.
Refer to the respective Citi Credit Card Product agreement on Citibank Singapore website for further details. You may request for a review of your Citi Credit Card Credit Limit via the Citi Mobile® App or Citibank Online.
Citi Credit Card overlimit amount is specified in your statement of account and refers to the balance (including any unbilled balances) in excess of your Credit Card Combined credit limit and must be paid immediately. The overlimit amount is in addition to the minimum payment amount. An Overlimit Fee may be applicable.
Cash advance fees vary. For exact charges, refer to the Banking Information, Fees & Rates section in Citibank online guides or the back of your monthly Citi Credit Card statement.
Late fee is incurred when the minimum payment due on your Citi Credit Card is not paid by the Payment due date. Please refer to your Cardmember Agreement for more details.
If payment to your Citi Credit Card outstanding balance is not made in full by the Payment Due Date, fees and charges may be applicable. You may refer to the online guides available here or on the back of your monthly Citi Credit Card statement for more details.
Find out the different payment modes here.
Log in the Citi Mobile® App, click on 'Payments & Transfers' and select 'Manage Payments', followed by 'Recurring Credit Card Payments'
Dynamic Currency Conversion (DCC) allows overseas transactions at merchants, online retailers, or ATMs to be converted from a foreign currency into your credit card account currency at the point of transaction. The exchange rate is set by the merchant, ATM operator, or DCC provider, not Citibank, and you may need to confirm with the merchant if conversion is applied.
A 1% administrative fee may be charged by VISA/MasterCard on the converted Singapore dollar amount for such transactions.
You can track your payment status anytime using the Citi Mobile® App or Citibank Online.
Payments made via AXS typically take at least 2 working days to be reflected in your Citi Credit Card account. Processing begins only after Citibank receives the payment from AXS.
We advise all card members using this payment method to ensure sufficient lead time to avoid incurring any late fees.
If your Citi Credit Card is lost or damaged, you can request for a replacement card via the Citi Mobile® App or Citibank Online. The fastest way to report a lost card and request for a replacement is via the Citi Mobile® App:
- Download the Citi Mobile® App & log in with your Citibank Online username and password.
- Tap on ‘Manage’ at top right -> ‘Report lost/stolen/damage card’ and then follow the steps to block your card and request a new card.
Once you have completed the above, your lost/stolen Citi Credit Card will be permanently blocked. Your replacement Citi Credit Card and corresponding PIN will be sent to the address you have registered with us.
Please note that you will not be able to report a lost/damaged card using the Citi Mobile® App if you don’t have a Citibank Online Account. In that case, You can contact our CitiPhone hotline at +65 6225 5225 and report the lost card and request a replacement.
If your Citi Credit Card is lost or stolen you can block/deactivate it immediately using the Citi Mobile® App or by sending an SMS. Here’s how to do it:
via Citi Mobile® App
Log in and tap on ‘Manage’ at top right -> ‘Report lost/stolen/damage card’ and then follow the steps to block your card and request a new card. Once you have completed the above, your lost/stolen card will be permanently blocked.
Via SMS
SMS DEACT <space> <Last four digits of your card number> to 72484. If you are overseas, please SMS to +65 9657 2484 instead. Once you send the SMS your Citi Credit Card will be blocked immediately.
Earning and Redeeming Rewards on Citi Credit Cards
You can check your reward points and redeem them through the Citi Mobile® App or Citibank Online. You can also view available redemption options for Citi ThankYouSM Points or Citi Miles here.
For Citi Rewards Card, Citi Platinum Card, Citi Clear Platinum Card, and Citi Business Card: Points are valid for a period of 60 months from your card approval date.
For Citi SMRT Card, Citi Clear Card, SMRT$ / Points are valid for a period of 12 months from your card approval date.
For Citi ULTIMA Card, Citi Prestige Card, Citi PremierMiles Card and Citi M1 Card: Points / Miles / Citi M1 Rebate do not expire.
Cash rebate redeemed via the Citi Mobile® App will be reflected as a statement credit within 5 business days.
Terms and Conditions
For the list of merchants and/or Merchant Category Codes ("MCC") which will not earn Citi ThankYou Points / Citi Miles / Cash Back / SMRT$ / Citi M1 Rebate / Cash Rebate, click here
Citi Prestige Card
*Click here for full Terms and Conditions.
Citi PremierMiles Card
^Click here for full Terms and Conditions.
Citi Cash Back+ Card
&Click here for full Terms and Conditions.
Citi Rewards Card
+Click here for full Terms and Conditions.
Citi Cash Back Card
^^Click here for full Terms and Conditions.
Citi SMRT Card
#Click here for full Terms and Conditions.
Citi M1 Card
~Click here for full Terms and Conditions.
Exclusive Privileges
Payment must be charged to a Citi Credit Card.
Promotion is on a while stocks last basis and subject to the terms and conditions of the respective merchants.
Citibank shall not be responsible for the quality, merchantability or the fitness for any purpose or any other aspect of the products and/or services provided by third parties.
Individual merchant T&Cs apply.
For the full terms and conditions, click here.
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