How many Citi ThankYou Points can I earn with the Citi Rewards Card?

You can earn 10X Citi ThankYou Points on eligible online purchases and eligible in-store shopping purchases. All other eligible purchases earn 1X Citi ThankYou Point, subject to the applicable terms and conditions.

What purchases are eligible for 10X Points on the Citi Rewards Card?

Eligible purchases include qualifying online transactions such as online grocery, food delivery and ride-hailing, as well as qualifying in-store shopping purchases at merchants such as department stores and clothing stores. Eligibility is subject to the applicable merchant categories and terms and conditions.

Is there a cap on the 10X Points earned with the Citi Rewards Card?

Base Points are not subject to a cap. Bonus Points earned from eligible 10X Points transactions are subject to a cap of 9,000 Bonus Points per statement month.

How long are Citi ThankYou Points valid for?

Citi ThankYou Points earned on the Citi Rewards Card are valid for 60 months from the card approval date. Each subsequent points validity period begins after the previous validity period expires.

How can I redeem Citi ThankYou Points?

Citi ThankYou Points can be redeemed through Citi ThankYou Rewards for options including Citi Pay with Points, cash rebates, gift vouchers, merchandise and other available rewards.

What is the annual fee for the Citi Rewards Card?

The basic annual fee for the Citi Rewards Card is S$196.20 inclusive of 9% GST, with the first year waived, subject to Citibank's applicable terms.

What is the minimum income requirement for the Citi Rewards Card?

The minimum annual income requirement is S$30,000 for Singapore Citizens and Permanent Residents and S$42,000 for foreigners.

What is the minimum age to apply for the Citi Rewards Card?

Applicants must be at least 21 years old to apply for the Citi Rewards Card.

Shop 10X Smarter with the Citi Rewards Card

Earn 10X Points^{^} on your online and shopping
purchases with the Citi Rewards Card.
Apply now and get a welcome gift of 40,000 bonus Citi
ThankYou^SM Points*.

Apply Now

Shop 10X Smarter with the Citi Rewards Card

Earn 10X Points^{^} on your online and shopping purchases with the Citi Rewards Card.
Apply now and get a welcome gift of 40,000 bonus Citi ThankYou^SM Points*.

Apply now

SHOP AND EARN POINTS

Earn accelerated 10X Points on your online and shopping spends

10X Points^{^} for online purchases

including online grocery, food delivery, ride-hailing.

Learn more about the eligible transactions.

10X Points^{^} for
in-store shopping purchases

at department stores, clothing stores.

Learn more about the eligible transactions.

1X Point^{^} for all other purchases

Redeem flexibly

Enjoy maximum freedom on your rewards redemption through Citi ThankYou^SM Rewards

Apply Now

Welcome Bonus

Earn

40,000 bonus

Citi ThankYou^SM Points*

Start earning from your very first spend

Earn Points on eligible spending

How to Qualify

Spend S$800 in your first 2 months

Apply Now

Redeem Your Points

Ways to redeem your Citi ThankYou^SM Points

Turn your Points into useful rewards through the Citi Mobile® App, with redemption options that give you more choices after you earn.

Pay With Points

Use Citi Pay with Points to instantly offset eligible purchases.

With every:

440 Points

You get:

S$1.00

To redeem Points via the Citi Mobile® App:

Rewards Dashboard > Points > Pay with Points

Redeem Now

Cash Rebate

Convert your Points into cash rebate.

Tap on rewards balance on the top of the screen and open the Rewards Dashboard.
Tap on “Cash Rebate” and key in the amount of Cash Rebate to redeem.

To get cash rebate via the Citi Mobile® App:

Rewards Dashboard > Points > Cash Rebate

Get Cash Rebate

Redemption Catalogue

Redeem your Points for merchandise, gift vouchers, and more from selected brands.

To redeem gift vouchers from the redemption catalogue via the Citi Mobile® App:

Rewards Dashboard > Points > Redemption Catalogue

Explore Rewards

Your Citi ThankYou^SM Points will expire 60 months^# from your Citi Rewards Card approval date.

A reminder notification will be sent to you 3 months prior the points expiry date via your Citi Credit Card statement.

The subsequent points earned will commence a new 60 months validity period from the expiration of your current points.

Shop 10X Smarter with the Citi Rewards Card

Watch how your Citi Rewards Card helps you earn Points on eligible purchases and redeem them in ways that suit your needs.

Here’s a Shop Smart pro-tip:

Get ahead by earning 10X Points^ on online and shopping purchases with Citi Rewards Card, then offset these purchases with Citi Pay with Points – that’s how you shop 10X smarter!

Lifestyle Rewards & Experiences

Elevate your lifestyle with Citi World Privileges 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.

Learn More

Shop Smart with Citi

From home essentials, groceries to beauty and fashion finds, explore a wide range of online and in-store shopping deals.

Learn More

Travel Smart with Citi

From flights and hotels to exclusive travel privileges, enjoy rewarding experiences for an unforgettable holiday.

Learn More

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.

Attractive Welcome Rewards

Receive exclusive welcome rewards when you join Citigold.

Limited-Time Offers

Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.

Join Citigold

Learn More

Features at a glance

Maximise your benefits with Citi Rewards Card

Exclusive Cards Privileges

Curated deals when you shop,
travel and dine.

Learn More

Citi PayAll

Earn rewards when you use Citi PayAll to pay your taxes and other bills.

Learn More

Exclusively for New-to-Brokerage clients

Citi ThankYou^SM Rewards

Access to travel benefits, lifestyle rewards and cash back with Citi ThankYou^SM Rewards.

Learn More

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.

Learn More

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.

Learn More

Privileged Offers

Limited-time opportunities crafted to maximise your rewards, cashback and travel benefits — aligned to how you spend.

EARN UP TO

3.5%*p.a. Interest

Salary Credit Eligible

Daily Spend Rewards

Maintain your balance and unlock higher returns with everyday transactions.

MIN SPEND

$500/month

Eligibility

Citi Card Members

Unlock Now

GET UP TO

8%*Cashback on Essentials

Groceries & Dining

Fuel & Transport

Earn cashback automatically on your daily spending categories.

MIN SPEND

$300/month

Eligibility

Selected Users

Unlock Now

EARN UP TO

40,000* Cashback

Travel Rewards

Redemption Flexibility

Spend more and unlock accelerated rewards across categories.

MIN SPEND

$800

Eligibility

New Cardmembers

Unlock Now

How does the Citi Mobile® App help you to manage your card?

Citi Mobile® App: Secure and easy way to manage your card
Use the Citi Mobile® App to stay on top of your card activity, control key settings, and track your Citi ThankYou^SM Points from one convenient place.

Everything at a glance

View your card details, rewards and account information in one place.

Activate a new card

Activate your Citi Rewards Card quickly through the Citi Mobile® App.

Secure your transactions

Manage transaction controls and card security settings with ease.

Lock and unlock your card

Temporarily lock or unlock your card anytime through the app.

Powerful features on demand

Access payment, rewards and account management features whenever needed.

See your Citi ThankYou^SM Points balance

Monitor your points and eligible spending directly from the app.

Check your eligibility

Find out if you qualify for the Citi Rewards Card

Ready to start earning Citi ThankYou^SM Points?

Enjoy a quick and easy application process with Singpass.

Apply with

10-minute application

Secure online Process

Instant verification

Fees

Basic fee of S$196.20 inclusive of 9% GST

Income

Min. income per year S$30,000 (SG/PR) or S$42,000 (foreigner)

Age

Age 21 or older

Apply effortlessly with

Simply log in with your Singpass and authorise the retrieval of your details from Myinfo.

Your application form is pre-filled and supporting documents waived if eligible.

If you do not have Singpass, you will need the following documents:

Documents for Singaporean/PR

If you are a Salaried Employee

A copy of your NRIC/passport.
Latest computerized pay slip or Income Tax Notice of Assessment.

If you are a Self Employed

A copy of your NRIC/passport.
Last 2 years' Income Tax Notice of Assessment.

Documents for Foreigner

A copy of your passport and work permit (with minimum 6 months validity).
A copy of utility/residential telephone/home broadband internet bill (excluding mobile phone bill) or bank statement with your name and address.
Income Tax Notice of Assessment and latest computerized pay slip.

Frequently Asked Questions

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.

Frequently Asked Questions

Earn 10X Citi ThankYou^SM Points on eligible online purchases^{^} and in-store shopping purchases^{^} with your Citi Rewards Card. You will earn 1 Base Point and 9 Bonus Points for every S$1 spent on eligible 10X Points transactions^{^}.