{"id":81861,"date":"2025-12-26T11:52:57","date_gmt":"2025-12-26T03:52:57","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=81861"},"modified":"2026-03-05T14:24:11","modified_gmt":"2026-03-05T06:24:11","slug":"citi-rewards-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/citi-rewards-card\/","title":{"rendered":"Citi Rewards Card 2026: Guide to Fees, Miles & Benefits"},"content":{"rendered":"\n

Looking for a credit card that rewards your everyday spending while giving you flexible redemption options?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n

The Citi Rewards Card<\/strong> is a popular choice for Singaporeans looking to earn points on everyday spending. From department stores to online shopping, this card rewards lifestyle purchases with flexible redemption options.<\/p>\n\n\n\n

While it\u2019s a solid rewards card, Singaporeans who travel frequently may want to consider multi-currency options like YouTrip<\/strong>, which can provide zero foreign transaction fees <\/strong>and competitive exchange rates overseas<\/strong>. <\/p>\n\n\n\n

This guide breaks down everything you need to know about Citi Rewards, including points, miles, benefits, fees, and exclusions.<\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n\n\n\n

\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

\u2013 SGD To Korean Won Exchange Rate: Best Rates, Forecast, Conversion Tips<\/a>
\u2013 Cherry Blossom Season Japan 2026: Best Time to Visit, Sakura Forecast & Top Viewing Spots<\/a>
\u2013 15 Best Things to Do in Chongqing: Top Attractions, Night Views, Food & Day Trips (2026)<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u26a1 TL;DR: Citi Rewards Card at a Glance<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
Annual Fee<\/strong><\/td>S$196.20 (waivable through min. annual spend or first-year promotions)<\/td><\/tr>
Local Miles Earn Rate<\/strong><\/td>1X ThankYou Point\/S$1 (0.4 miles)<\/td><\/tr>
Overseas Miles Earn Rate<\/strong><\/td>1X ThankYou Point\/S$1 (0.4 miles)<\/td><\/tr>
Accelerated Points<\/strong><\/td>10X ThankYou Points (4 miles\/S$1) on online shopping & department stores<\/td><\/tr>
Monthly Bonus Cap<\/strong><\/td>Capped at 9,000 bonus points per statement month (S$1,000 in eligible 10X spending)<\/td><\/tr>
Miles Conversion<\/strong><\/td>10+ airline programs including KrisFlyer, Asia Miles (2.5 points = 1 mile)<\/td><\/tr>
Miles Transfer Fee<\/strong><\/td>S$27.25 per transfer transaction<\/td><\/tr>
Points Expiry<\/strong><\/td>60 months from card approval date<\/td><\/tr>
Lounge Access<\/strong><\/td>Not included<\/td><\/tr>
Foreign Exchange Fee<\/strong><\/td>3.25% on foreign currency transactions<\/td><\/tr>
Minimum Spend<\/strong><\/td>S$500\u2013S$1,000 within the first 2 months for the welcome bonus<\/td><\/tr>
Key Benefit<\/strong><\/td>Flexible Pay with Points for purchases and flights<\/td><\/tr>
Best For<\/strong><\/td>Department store shoppers, online shopping enthusiasts, and points earners<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n

\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
<\/div>\n\n\n\n
    \n
  1. What is the Citi Rewards Card?<\/a><\/strong><\/strong><\/li>\n\n\n\n
  2. Annual Fee & Waivers<\/a><\/strong><\/li>\n\n\n\n
  3. Eligibility Requirements<\/a><\/strong><\/li>\n\n\n\n
  4. Miles and Points<\/a><\/strong><\/li>\n\n\n\n
  5. Current Welcome Bonus<\/a><\/strong><\/li>\n\n\n\n
  6. Lounge Access<\/a><\/strong><\/li>\n\n\n\n
  7. Exclusions<\/a><\/strong><\/li>\n\n\n\n
  8. Minimum Spend<\/a><\/strong><\/li>\n\n\n\n
  9. FX Fee<\/a><\/strong><\/li>\n\n\n\n
  10. Pros & Cons<\/a><\/strong><\/li>\n\n\n\n
  11. Verdict<\/strong><\/a><\/li>\n\n\n\n
  12. FAQs<\/a><\/strong><\/li>\n<\/ol>\n\n\n\n
    <\/div>\n\n\n\n
    <\/div>\n\n\n\n

    What is the Citi Rewards Card?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
    <\/div>\n\n\n\n
    \"Citi<\/figure>\n\n\n\n

    Image credits: Singsaver<\/em><\/p>\n\n\n\n

    <\/div>\n\n\n\n

    The Citi Rewards Card is a versatile credit card for Singaporeans who want rewards on both lifestyle and retail purchases. You earn accelerated points on department stores <\/strong>and online shopping<\/strong>, which can then be redeemed for airline miles, merchandise, or statement credits.<\/p>\n\n\n\n

    Benefits: <\/strong><\/p>\n\n\n\n