Turn your everyday bills into rewards and for limited time, earn up to 0.6% bonus cash rebate * for every S$1 spent on Citi PayAll fee-paying transactions
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Boost your rewards
on everyday bills
with Citi PayAll
Citi PayAll
Everything you need to know
- Limited Time Promotion
- About PayAll
- How to use Citi PayAll?
- FAQ
Limited Time Promotion
Get up to 0.6% cash rebate* for every S$1 spent on
Citi PayAll fee-paying transactions
Promotion Period: 18 November 2025 to 28 February 2026
| Payment Purpose | All other payments1 | Insurance Premiums (For insurance plans bought through Citi) |
|
| Eligible Citi Credit Cardmember^ | All customers | All customers | Exclusively for Qualified Citigold Private Client customer who is an Accredited Investor and a Citi ULTIMA / Prestige Cardmember |
| Bonus Rewards | 0.5% cash rebate2 | 0.55% cash rebate3 | 0.6% cash rebate3 |
| Qualifying PayAll Spend | ≥ S$6,000 | ≥ S$100,000 | ≥ S$150,000 |
*Citi PayAll Promotion and Service Terms and Conditions apply.
^Application for Citi ULTIMA, Prestige, PremierMiles and Rewards Cardmembers.
1 Any Citi PayAll fee-paying transactions, including payments of insurance plans bought through Citi that amount to <S$100,000.
2 Cash Rebate will be capped at the first S$150,000 charged via Citi PayAll on only ONE Eligible Card during the Promotion Period.
3 Cash Rebate will be capped at the first S$400,000 charged via Citi PayAll on only ONE Eligible Card during the Promotion Period.
What is Citi PayAll?
Citi PayAll is an easy way to manage your cashflow and earn extra frequent flyer points (via Citi Miles or Citi ThankYouSM Points) at a small fee on personal expenses, even those typically not eligible for credit card payments.
What cards can I use for this service?
Select Citi Credit Cards, such as Citi ULTIMA Card (by invitation only), Citi Prestige Card, Citi PremierMiles Card, Citi Rewards Card, Citi Cash Back + Card, and Citi Cash Back Card, as well as Citi Corporate Card and Citi Business Card.
Expenses you can use PayAll for:
Tax
Income Tax, Property Tax, Other Tax Types and Composition Fees to IRAS
Insurance
Insurance premium payments
Rent
Rent and Rental Deposits
Education Expenses
School fees, Enrichment fees, Tuition fees, Course Fees
Electricity Bills
Utility bills for your home
Condominium Management Fee
Set up recurring payments to MCST
Easily set up payment via PayAll on the Citi Mobile App:
Log in to the Citi Mobile® App.
Tap on “Payments” and select “Citi PayAll”.
Tap on “Start using Citi PayAll” and select “Setup Citi PayAll”.
Select a payment category and your preferred payment frequency.
Enter your payment amount, payment date, preferred card type, service fee option, and payment details.
Review and confirm your payment details.
Your Citi PayAll set up is now complete!
TRACK AND MANAGE
Stay in control of your Cashflow with Citi PayAll
Citi PayAll lets you manage your cashflow smartly and stay in control so you don’t miss a payment again.
Track existing payments
Schedule recurring payment and cancel them easily
Get notified every time a payment is made
Citi PayLite
Turn big purchases into small payments
Citi FlexiBill
Turn statements into small payments
Citi QuickCash
Instant cash to get things done right
FAQs about Citi PayAll
Citi PayAll is a service that enables Citi Cardholders to make payments to various Payees/Payment Categories using an eligible Citi Credit Card and earn miles or reward points, in exchange for a service fee. It allows you to pay for categories such as rent, education expenses, taxes, condominium management fees, electricity bills, insurance premiums and goods and services. The full list of available payment categories here.
There is an option for payment with zero service fees, however you will not earn any miles or points on these payments.
Your payees do not have to be Citibank customers. They will receive the funds via a bank fund transfer. Please note that Citi PayAll supports payments to local bank accounts only.
1. Child Care Services
2. Club Membership Fees
3. Condo Management Fees
4. Domestic Helper Service Fees
5. Donation or Charity Payment
6. Education Fees
7. Electricity Bills
8. Event Management Fees
9. Health and Wellness
10. Insurance Premiums
11. Maintenance Fees
12. Medical Services and Bills
13. Membership Fees
14. Parking
15. Payment for Retail Goods and Services
16. Professional Service Fees
17. Property Agent Fees
18. Renovation Fees
19. Rent
20. Storage Fees
21. Taxes
22. Telco Services
23. Town Councils
24. Transport Fees
25. Travel Expenses
26. Utilities
27. Wedding Expenses
Citi Credit Cards
- Citi ULTIMA Card (by invitation only)
- Citi Prestige Card
- Citi PremierMiles Card
- Citi Rewards Card
- Citi Cash Back + Card
- Citi Cash Back Card
If you don’t have any of these credit cards, click on the card to apply now.
Citi Commercial Cards (selected cards)
Yes you can. When setting up your payment, simply choose your preferred payment date, you can choose to make one-time payment or set it as recurring payment for up to 24 months.
Payments take 4 business days to be processed.
It depends on whether you choose Service Fee payment option or Zero Service Fee payment option.
1. Service Fee payment option will allow you to earn reward points or miles or cash back for each payment, at the base earn rate of the card used.
2. Zero Fee payment option here refers to the use of Citi PayAll product without having the customer incur an additional fee for the transaction made. The customer will only be paying the amount in the transaction but will not be receiving any other rewards e.g. base points or miles or additional bonus points or miles or any gift vouchers.
If you have lost your card or reported a fraud on your card, please contact CitiPhone Banking at +65 6225 5225 between 8 a.m. and 8 p.m to check on your card account payment transactions status.
You should NOT make payments under Citi PayAll in respect of (i) any loan/debt repayments such as but not limited to mortgage repayments, credit card payments and loans, (ii) any cryptocurrency related transactions, gambling and casino-related transactions or such other transactions that we may determine at our discretion
Thanks for participating in the recent campaign, you will receive your Bonus Miles/ThankYouSM Points and Gift within 12 weeks from 31 Aug 2025.
Thanks for participating in the recent campaign, you will receive your Cash Rebate within four (4) months from 30 Sep 2025.
FAQs related to Citi PayAll Payments
You can transact an amount not exceeding 95% of your permanent credit limit, subject to the maximum permissible monthly limits below. The aggregate sum of Citi PayAll payments within the calendar month must not exceed your permanent credit limit.
i. Education Fees: S$100,000
ii. Insurance Premiums: S$200,000
iii. All other categories except for Taxes: S$30,000 per category
Click here to view the full list of payment categories.
Please click here for the full list of MCSTs supported by Citi PayAll.
You will receive an email, Push Notification, or SMS notification alert when your payment is set up and when it is successfully charged to your card. Successful payments will also appear in your credit card statement. For recurring payments, you will receive a notification each month when the payment is processed.
If your payment fails, you will be notified via email, Push Notification, or SMS. Please make alternative arrangements to ensure your recipients is paid on time.
No, if your payment fails, both the payment amount and the accompanying service fee (if the Service Fee payment option was selected) will be refunded to your card.
If you made an accidental payment to the wrong recipient which was processed successfully, both the payment amount and the service fee (if the Service Fee payment option was selected) will not be refundable. The payment will still appear on your credit card statement. As Citi PayAll does not perform independent verification of payee account details, reference numbers, or other payment information provided by you, please ensure that all payment details are entered accurately.
Since all Citi PayAll payments are not processed through card associations (for example, Mastercard or Visa), their chargeback dispute resolution processes are not applicable. This means you will not be able to raise a chargeback dispute for any payment. Any disputes or claims must be resolved directly with the payee.
Once your payment setup has been confirmed, it cannot be amended.
However, you may cancel the payment setup before the payment is charged to your card. To do so, please follow the steps below:
Step 1: Log in to Citi Mobile® App.
Step 2: Tap on "Payment" and select "Citi PayAll".
Step 3: Tap on "Start using Citi PayAll" and you will be able to see all active Citi PayAll setups.
Step 4: Select the payment setup(s) that you wish to cancel and tap on "Cancel payment instruction" to proceed with the cancellation.
FAQs on the Citi PayAll Nov’25-Feb’26 Promotion
Promotion is from 18 November 2025 to 28 February 2026.
This Promotion is applicable to Citi ULTIMA, Prestige, PremierMiles and Rewards Cardmembers. Please note that the minimum qualifying spend must be charged on ONE card in order to qualify for Bonus Cash Rebate.
Citi Insurance refers to insurance plan(s) underwritten by AIA and distributed by Citibank, which is issued / incepted by AIA during the Promotion Period, and which satisfies all of the below criteria:
(i) The free-look feature in respect of such insurance plan has not been exercised;
(ii) The insurance plan has not been altered in any way (e.g. increase or decrease in sum assured) after the plan is issued / incepted;
(iii) The insurance plan has been purchased by an Eligible Cardmember;
(iv) The insurance plan is denominated in SGD, and payment is made in SGD
Yes. You may participate as long as you charge a minimum of S$6,000 in Citi PayAll Qualifying Spend on ONE Eligible Card across all payment categories via Citi PayAll’s fee-paying option. You will receive a Bonus Cash Rebate of 0.5%, capped at the first S$150,000 in Citi PayAll Qualifying Spend. These Bonus Cash Rebate will be given on top of the Miles/Points you earn on your Eligible Card under the Cardmember Agreement.
A minimum of S$100,000 in Citi PayAll Qualifying Spend of Citi Insurance Premiums to be charged on ONE Eligible Card via Citi PayAll’s fee-paying option. The Bonus Cash Rebate will be capped at the first S$400,000 in Citi PayAll Qualifying Spend. These Bonus Cash Rebate will be given on top of the Miles/Points you earn on your Eligible Card under the Cardmember Agreement.
No. As a minimum of S$100,000 in Citi PayAll Qualifying Spend of Citi Insurance Premiums is required to qualify for the 0.55% Bonus Cash Rebate, you will instead receive 0.50% Bonus Cash Rebate on your eligible spends. The Bonus Cash Rebate will be capped at the first S$150,000 in Citi PayAll Qualifying Spend.
Yes. As long as both insurance policies are issued or incepted during the Promotion Period, you will receive the 0.55% Bonus Cash Rebate on the total premium amount of S$120,000 across the 2 policies.
You will need to be a Qualified Citigold Private Client who is also an Accredited Investor (AI), and you must charge a minimum of S$150,000 in Citi PayAll Qualifying Spend of Citi Insurance Premiums on ONE Eligible Card (Citi ULTIMA / Prestige Card) via Citi PayAll’s fee-paying option. The Bonus Cash Rebate will be capped at the first S$400,000 in Citi PayAll Qualifying Spend. These Bonus Cash Rebate will be given on top of the Miles/Points you earn on your Eligible Card under the Cardmember Agreement.
No. You will not be eligible for the Bonus Cash Rebate if you close or do not maintain your status/relationship with Citi at any time during the Promotion Period, Qualifying Period, or up to and including the point when the Bonus Cash Rebate is fulfilled.
No, the Citi PayAll Payment Set-up Date and Payment Charged Date must both fall within the Promotion period in order to qualify as Eligible Transaction. For the avoidance of doubt, the Citi PayAll Payment Setup Date is the date on which the payment is set up and the Citi PayAll Payment Charged Date is the date where Citi charges the payment to your Eligible Card which will be later than the date on which the payment is set up.
You should schedule your PayAll payment date latest on or before 5 March 2026.
Based on the campaign details, CitiPhone officers will not be able to immediately identify your eligible spend and manual calculation.
Please refer to the Promotion terms and conditions below for more information.
You will receive the Bonus Cash Rebate within twelve (12) weeks from 28 Feb 2026.
Supplementary Cardholder not eligible to participate in this Promotion and any spend by Supplementary Cardholder will not be considered.
Yes, as long as the Citi PayAll Payment Set-up Date and Payment Charged Date must both fall within the Promotion period in order to qualify as Eligible Transaction. For the avoidance of doubt, the Citi PayAll Payment Setup Date is the date on which the payment is set up and the Citi PayAll Payment Charged Date is the date where Citi charges the payment to the Eligible Card which will be later than the date on which the payment is set up.
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