Enjoy exclusive welcome offer when you sign up for a Citi Credit Card*
*T&Cs apply. Applicable for new Citi Credit Cardmembers.
Pay with Points
Enjoy the freedom of redeeming your Points/Miles with Citi Pay with Points. Learn how you can offset your purchases easily using your accumulated Points/Miles via the following channels:
Why Citi Pay with Points?
Citi Pay with Points/Miles gives you more flexibility to plan your travels just the way you want it. How does this benefit you?
Get 25% off Points /
Miles redemptions
on travel bookings
New conversion rate
Instant redemptions
No administrative fees, no lengthy wait times, and no need to convert your Points/Miles to an airline or hotel loyalty program anymore.
Limitless travel choices
Experience unparalleled freedom with your Points/Miles for any airline, destination and cabin class.
Unrestricted travel date
Fly whenever and wherever you want without worrying about blackout dates or being on the ticket redemption waitlist.
Flexible payment options
Combine your Points/Miles with cash or use your Points/Miles entirely to offset your travel bookings for ultimate payment freedom and convenience.
Where can you save 25% off on your Points/Miles redemption?
and many more travel bookings
Example of travel merchants:
For a complete list of eligible travel booking transactions, refer to the merchant category code here.
Who is eligible to use Pay with Points/Miles?
All Cardmembers of Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, and more excluding Citi Cash Back, Citi Cash Back+, Citi SMRT and Citi M1 Cardmembers.
Who is eligible to use Pay with Points/Miles?
All Cardmembers of Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, and more excluding Citi Cash Back, Citi Cash Back+, Citi SMRT and Citi M1 Cardmembers.
- 1Login to the Citi Mobile® App. Tap on your rewards balance on the top of the screen and open the Rewards Dashboard.
- 2Scroll down to Always Pay with Points and select your favourite merchants to enroll for automatic redemptions.
- 3Select the amount limit and time period to redeem to complete the setup.
- 4Shop with your favourite merchants and enjoy automatic redemptions on your purchases. An email confirmation will be sent to you.
- 5A statement credit will be reflected in your next statement of account.
- 1 Download the latest AXS m-Station mobile app. Do ensure to secure your account with a passcode when you login.
- 2 Go to the main navigation on the bottom and select Account -> Settings -> Manage Payment Modes -> Pay with Credit Card Points -> Citi Pay with Points.
- 3 Enter the last 4 digits of your credit card number and full mobile number, verify your OTP and you will be successfully enrolled.
- 4 Pay for your bills, fines, top-ups or any other services available on AXS.
- 5 After successful payment of an eligible transaction, your rewards balance will be shown along with the amount required to redeem.
- 6 Enter the redemption amount, tap on “Redeem” and that completes your transaction! A statement credit will be reflected in your next statement of account.
- 1 Pay for your purchases with Samsung Pay.
- 2 Tap on “Citi Pay with Points” notification.
- 3 View & choose to redeem from the latest 10 transactions made in the last 30 days.
- 4 Tap on “Redeem Now” to proceed.
- 5 Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
Conversion Rate
440
Points
S$1.00
165
Miles
S$1.00
Click here for Citi Pay with Points full terms and conditions.
Travel Smart with Citi
From flight, hotels to attractions, enjoy exclusive travel deals with Citi Cards.
Learn more
Frequently Asked Questions (FAQs)
25% off Travel Rewards
Redemption
What are the eligible cards for this
promotion?
The 25% off Points/Miles promotion is applicable to the following eligible
cards: Citi ULTIMA, Citi Prestige, Citi PremierMiles, Citi Rewards, Citi
Platinum, Citi Clear Platinum, Citi Gold,
Citi Classic, Citi Clear Classic, Citi Clear, Citi Business and Citi
Corporate Cards.
I just made a transaction at a merchant and wish to make a redemption via
Pay with Points. Why is the discounted rate not reflected on the Citi
Mobile® App?
The 25% off Points/Miles promotion is only applicable to Pay with Points
(PWP) travel redemptions for transactions listed in the table below, where
the discounted rate will be applied.
| Merchant Category Code (MCC) | Description |
|---|---|
|
3005, 3007, 3012, 3034, 3047, 3075, 3077, 3084, 3099, 3136, 3025, 3026, 3078, 3082, 3206 |
Airlines |
| 3503, 3504, 3509, 3512, 3513 | Lodging |
| 4722 | Travel Services |
Is there a limit on the number of travel redemptions per customer?
No. There is no limit to the number of Points/Miles redemptions during this
Promotion Period; multiple Pay with Points/Miles redemptions are allowed.
What if I don't have enough Points/Miles to offset the travel purchase?
You can use the option of using partial Points/Miles to offset and pay the remaining with cash.
Is the offer applicable for supplementary cardholders?
No, this offer is only applicable to principal/primary cardholders of the eligible cards.
Does this offer apply to Samsung Pay and Pay with Points via Merchants (e.g.
AXS m-station mobile app)?
No, this offer does not apply to Samsung Pay or Pay with Points via
Merchants (e.g. AXS m-station mobile app).
Does the Travel Redemption Promotion 2026 apply to Always Pay with Points?
No, this offer is not applicable to “Always Pay with Points”.
About Pay with Points
What is Pay with Points?
Pay with Points is an instant gratification channel for rewards redemption where cardmembers can choose to pay for their purchase with their Rewards to enjoy savings. "Rewards" means Points, Miles.
How does Pay with Points work?
Pay with Points Online via Citi Mobile® App
- Login to the Citi Mobile® App. Tap on your rewards balance on the top of the screen and open the Rewards Dashboard.
- Tap on "Pay with Points" or "Pay with Miles"
- Select the transactions you wish to redeem for. You can select up to 5 other transactions to redeem. Review and tap on "Pay with Points" or "Pay with Miles" to proceed with the redemption.
- Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
-
For One-Time Enrollment:
- Download the latest AXS m-Station mobile app. Do ensure to secure your account with a passcode when you login.
- Go to the main navigation on the top left and select Settings -> Manage Payment Modes -> Pay with Credit Card Points -> Citi Pay with Points.
- Enter the last 4 digits of your credit card number and full mobile number, verify your OTP and you will be successfully enrolled.
-
For Redemption:
- Pay for your bills, fines, top-ups or any other services available on AXS.
- After successful payment of an eligible transaction, your rewards balance will be shown along with the amount required to redeem.
- Enter the redemption amount, click on "Redeem" and that completes your transaction! A statement credit will be reflected in your next statement of account.
- Login to the Citi Mobile® App. Tap on your rewards balance on the top of the screen and open the Rewards Dashboard.
- Scroll down to Always Pay with Points and select your favourite merchants to enroll for automatic redemptions.
- Select the amount limit and time period to redeem to complete the setup.
- Shop with your favourite merchants and enjoy automatic redemptions on your purchases. An email confirmation will be sent to you.
- A statement credit will be reflected in your next statement of account.
- Pay for your purchases with Samsung Pay.
- Tap on "Citi Pay with Points" notification.
- View & choose to redeem from the latest 10 transactions made in the last 30 days.
- Tap on "Redeem Now" to proceed.
- Upon confirmation of successful redemption, a statement credit will be reflected in your next statement of account.
What transactions are eligible for Pay with Points?
Pay with Points Online
Eligible Purchases are retail purchases made using your Citi Card within 60 days of a Points/Miles redemption date. Temporary authorizations are not eligible for redemption under the Pay with Points service. A "retail purchase" means a purchase of any goods or services by the use of the card and may, at our reasonable discretion include or exclude any card transaction as may be determined by us. Retail purchases exclude annual cardmembership fees, interest, late payment charges, GST, cash advances, easy/ extended payment plans, income tax payments, bill payments (for example, payments via Citibank Online or via any other channel or agent (such as a third party agent for payment of bills) whether for bill payments or otherwise) and any other form of service / miscellaneous fees and such other transactions excluded from earning Points/Miles as set out in the relevant cardmember's agreement applicable to your Citi Card.
Pay with Points via Merchants
Eligible Pay with Points via Merchants refers to the charge of Cardholder’s purchase at Eligible PWP Integrated Merchants to a Citi Card. "Eligible PWP Integrated Merchants" refer to the merchants listed on citibank.com.sg/pwp that have been integrated with Citi’s PWP Program.
Always Pay with Points
Eligible Pay with Points via Merchants refers to retail purchases made using your Citi Card at the point of authorization with an Eligible Always PWP Merchant. "Eligible Always PWP Merchants" refers to the merchants as listed at citibank.com.sg/pwp.on the Citi Mobile® App.
Samsung Pay - Citi Pay with Points
Eligible Transaction refers to the charge of Cardholder’s purchase at Participating Samsung Pay PWP Merchants to a Citi Card, where the transaction is made with Samsung Pay and you have the required Points/Miles for redemption. "Participating Samsung Pay PWP Merchants" refer to the merchants that accept Samsung Pay as a form of payment.
Eligible Purchases are retail purchases made using your Citi Card within 60 days of a Points/Miles redemption date. Temporary authorizations are not eligible for redemption under the Pay with Points service. A "retail purchase" means a purchase of any goods or services by the use of the card and may, at our reasonable discretion include or exclude any card transaction as may be determined by us. Retail purchases exclude annual cardmembership fees, interest, late payment charges, GST, cash advances, easy/ extended payment plans, income tax payments, bill payments (for example, payments via Citibank Online or via any other channel or agent (such as a third party agent for payment of bills) whether for bill payments or otherwise) and any other form of service / miscellaneous fees and such other transactions excluded from earning Points/Miles as set out in the relevant cardmember's agreement applicable to your Citi Card.
Pay with Points via Merchants
Eligible Pay with Points via Merchants refers to the charge of Cardholder’s purchase at Eligible PWP Integrated Merchants to a Citi Card. "Eligible PWP Integrated Merchants" refer to the merchants listed on citibank.com.sg/pwp that have been integrated with Citi’s PWP Program.
Always Pay with Points
Eligible Pay with Points via Merchants refers to retail purchases made using your Citi Card at the point of authorization with an Eligible Always PWP Merchant. "Eligible Always PWP Merchants" refers to the merchants as listed at citibank.com.sg/pwp.on the Citi Mobile® App.
Samsung Pay - Citi Pay with Points
Eligible Transaction refers to the charge of Cardholder’s purchase at Participating Samsung Pay PWP Merchants to a Citi Card, where the transaction is made with Samsung Pay and you have the required Points/Miles for redemption. "Participating Samsung Pay PWP Merchants" refer to the merchants that accept Samsung Pay as a form of payment.
Who is eligible to use Pay with Points?
Pay with Points Online
The Pay with Points Online service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Pay with Points via Merchants
The Pay with Points via Merchants service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Always Pay with Points
The Always Pay with Points service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, and Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Samsung Pay - Citi Pay with Points
The Samsung Pay - Citi Pay with Points service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
The Pay with Points Online service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Pay with Points via Merchants
The Pay with Points via Merchants service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Always Pay with Points
The Always Pay with Points service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, and Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Samsung Pay - Citi Pay with Points
The Samsung Pay - Citi Pay with Points service is only available for the Citi Platinum, Citi Rewards, Citi Clear Platinum, Citi Gold, Citi Classic, Citi Clear Classic, Citi Clear, Citi PremierMiles, Citi Business, Citi Corporate, Citi Prestige, Citi ULTIMA excluding Citi SMRT, Citi M1 and Citi Cash Back+ Cards issued by us.
Can I use Pay with Points for a transaction if I don't have enough Rewards to cover the entire purchase?
Pay with Points Online
Yes, partial redemption is available, while meeting the minimum transaction amount that the customer can redeem.
Pay with Points via Merchants
Yes. This is applicable for Partial Redemption, while meeting the minimum transaction amount that the customer can redeem (will be shown an error message if amount redeemed is below the minimum).
Always Pay with Points
No. Always Pay with Points is only available for full redemption for the full transaction amount.
Samsung Pay - Citi Pay with Points
Yes, partial redemption is available, while meeting the minimum transaction amount that the customer can redeem.
Yes, partial redemption is available, while meeting the minimum transaction amount that the customer can redeem.
Pay with Points via Merchants
Yes. This is applicable for Partial Redemption, while meeting the minimum transaction amount that the customer can redeem (will be shown an error message if amount redeemed is below the minimum).
Always Pay with Points
No. Always Pay with Points is only available for full redemption for the full transaction amount.
Samsung Pay - Citi Pay with Points
Yes, partial redemption is available, while meeting the minimum transaction amount that the customer can redeem.
What happens if I redeemed my Rewards for a statement credit using Pay with Points Online, Pay with Points via Merchants, Always Pay with Points or Samsung Pay - Citi Pay with Points then returned the purchase to or raised a dispute with merchant?
In case of merchant disputes, and in the event that a transaction is reversed by a merchant, the dollar transaction amount of the transaction, and not the Rewards used to pay for the transaction, will be credited back to your statement of account.
Do I still have to make the required minimum payment on my credit card account if I receive the statement credits from Pay with Points?
Yes, the required minimum payment reflected on your credit card statement must be paid in accordance with your Citi Card Agreement.
Do I still have to make the full payment on my credit card account if I receive the statement credits from Pay with Points Online, Pay with Points via Merchants, Always Pay with Points or Samsung Pay - Citi Pay with Points amounting to my current month's outstanding amount payable?
Yes, the full payment amount reflected on your credit card statement must be paid in accordance with your Citi Card Agreement. The statement credits will be reflected in your following month's credit card statement.
Note:
This FAQ is informational only and if there is any inconsistency between this FAQ and the Citi ThankYouSM Rewards Program Terms and Conditions, the latter will prevail. (As of May 2024)
This FAQ is informational only and if there is any inconsistency between this FAQ and the Citi ThankYouSM Rewards Program Terms and Conditions, the latter will prevail. (As of May 2024)
Important Information:
Click here for the Citi ThankYouSM Rewards Pay with Points (PWP) 25% Travel Rewards Redemption Promotion
Click here for current Citi ThankYou Rewards Program Terms and Conditions (effective 1 Mar 2026)
Click here for the Citi ThankYouSM Rewards Pay with Points (PWP) 25% Travel Rewards Redemption Promotion
Click here for current Citi ThankYou Rewards Program Terms and Conditions (effective 1 Mar 2026)
Points refer to the Points earned on Citi Classic, Citi Gold, Citi Platinum, Citi Rewards and Citi Prestige credit cards or the Ultima Dollars earned on Citi ULTIMA credit cards.
Miles refer to the Citi Miles earned on Citi PremierMiles Credit Cards.
Rebates refer to the Citi M1 Rebates earned on Citi M1 Cards only and will be eligible for Pay with Points via SMS only.
Cash Back refer to the Cash Back Dollars earned on Citi Cash Back+ Cards only and will be eligible for Pay with Points via SMS and Cash Rebate via SMS only.
Miles refer to the Citi Miles earned on Citi PremierMiles Credit Cards.
Rebates refer to the Citi M1 Rebates earned on Citi M1 Cards only and will be eligible for Pay with Points via SMS only.
Cash Back refer to the Cash Back Dollars earned on Citi Cash Back+ Cards only and will be eligible for Pay with Points via SMS and Cash Rebate via SMS only.