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Citi M1 Credit Card

Connect with greater savings

Welcome gift of up to S$200 cash back* as you spend

Get Citi M1 Card

Introducing greater savings with the Citi M1 Card.

Earn Up to 10% Citi M1 Rebate
on your M1 recurring bills
and 0.3% Citi M1 Rebate on
all retail transactions

Enjoy 10% off device accessories
and earn up to 1% Citi M1 Rebate
on purchases at M1 Shop

Buy now and pay later with no
processing fees using
Instalment Payment Plan^

Introducing greater savings with the Citi M1 Card. Save up to 10% off on your M1 recurring bills.

Earn Citi M1 Rebate on your M1 recurring bills

Total Spend includes all retail purchases in local or foreign currency. You will earn Citi M1 Rebate at a base rate of 0.3% on all retail purchases and additional Bonus Citi M1 Rebate of 0.2%, 2.7% or 9.7% on M1 recurring charges, capped on the 1st S$300 worth of M1 recurring charges, depending on the tier of your Total Spend. Applicable only to M1 bills charged to the Citi M1 Card on a recurring basis.

What can you do with your Citi M1 Rebate?

Offset your M1 bill

Convert to KrisFlyer Miles

Pay with Points

How to redeem your Citi M1 Rebate?

SMS <Rewards> to 72484.

Top 4 credit card features

Citi World Privileges
Citi World Privileges

Get deals and discounts locally & in 95 other countries

Citi PayLite
Citi PayLite

Turn your big purchases into small payments

Citi FlexiBill
Citi FlexiBill

Convert your credit card statement retail balance into installments

Citi Quick Cash
Citi Quick cash

Instant Cash# to get things done right away

Ongoing promotions



Up to S$8 off with min. spend
Valid till 1 Feb 2022
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15% off + 5% ZALORA cashback with min. spend
Valid till 31 Jan 2022
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Best Savings on Petrol

Best Savings on Petrol

Enjoy 14% petrol savings with Esso and Shell
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Connect with greater savings in less than 10 minutes

Get a new Citi M1 Card from your phone or computer in an easy, paperless signup process

Basic fee of S$192.60 inclusive of GST
(first year waived)

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

Age 21 or older

Salaried employee

  • A copy of your NRIC/passport
  • Latest original computerized payslip or Tax Notice of Assessment or last 12 months' CPF statements



  • A copy of your NRIC/passport
  • Last 2 years’ Income Tax Notice of Assessment
  • Last 3 months’ bank statements
  • A copy of your passport and work permit (with minimum 6 months validity)
  • A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerized payslip

Terms and Conditions

Please be informed that the administrative fee for Points Transfer redemptions to transfer your Citi M1 Rebate to the Krisflyer Frequent Flyer Program will be revised to SGD26.75 (inclusive of GST) with effect from 15 December 2020 onwards.
^Applicable for certain merchants on an invitation-only basis. T&Cs apply.

#Instant disbursement is available only for Citibank Deposit Accounts displayed during the funds disbursement option.

Click here for Get Up to S$200 cash back as you spend Acquisition Promotion terms and conditions (01 October 2020 to 31 January 2022).

Click here to view the Info Sheet.

Click here to view the Cardmember's Agreement.

Click here to view interest rates, fees and charges.

Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution

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