Best Citibank Credit Cards In Singapore 2025

Last updated on 2 October 2025

Below, you’ll find mini reviews of the best Citibank credit cards in December 2025.

✍️ Compare the latest Citibank credit card sign up promotions

These cards are also featured in Suitesmile’s lists of the best cards in Singapore for:

Best for Miles	• Citi Rewards
Best for Cashback	• Citi Rewards
Online Shopping	• Citi Rewards • Citi SMRT
In-Person Shopping	• Citi Rewards (with Amaze linkage)
Dining	• Citi Rewards (with Amaze linkage)
Groceries	• Citi Rewards (with Amaze linkage) • Citi Cash Back • Citi SMRT
Foreign Currency (Overseas & Online)	• Citi Rewards (with Amaze linkage) • Citi PremierMiles • Citi SMRT
Hotels	• Citi Prestige
Phone Bills	• Citi Rewards
Fuel	• Citi Rewards (with Amaze linkage)
General Spending	• Citi PremierMiles • Citi Prestige • Citi Cash Back+
Ride-Hailing	• Citi Rewards • Citi Cash Back
Public Transport	• Citi SMRT
Food Delivery	• Citi Rewards • Citi Cash Back
Airport Lounge	• Citi Prestige • Citi PremierMiles
Large Purchases	• Citi SMRT

Best Citibank Credit Cards in Singapore

💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.

Citi Rewards

Earn 4 mpd on online spending

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🎁 Sign-up bonus

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More information on the

Citi Rewards Mastercard

Suitesmile rating:

✍️ Short summary

This card gives you a strong earn rate of 4 miles per dollar on online spending, up to $1,000 per statement month, with no minimum spending requirement. This covers a wide range of spending categories like online shopping, ride-hailing, food delivery and even phone/internet bills.

Cardholders can also earn 4 mpd on in-person shopping at stores that sell shoes and bags and clothes as their main business activity.

Take note that cardholders will only earn 0.4 mpd on travel-related categories (e.g. flights and hotels) and spending above $1,000 per statement month.

Having many transfer partners and up to 5-year expiry term gives you fantastic flexibility. However, take note that your points’ expiry term starts from the date the card is opened (i.e. not from the transaction date).

Pro tip: Link this card to the Amaze card to also earn 4 mpd on in-person spending like dining, groceries and shopping. This pairing turns all your offline transactions “online” (to earn 4 mpd) and lowers your foreign currency charges. But take note that SGD transactions through Amaze will incur a 1% fee (min. 50 cents).

📄 Read our complete review of the Citi Rewards Card.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
Every 5 years from card opening date (+3 months grace period)

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Earn 1 base point per dollar spent, plus 9 bonus points for online spending (equivalent to 4 mpd in total). Base and bonus points are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi SMRT

Get 5% cashback on online spending, groceries, transportation

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🎁 Sign-up bonus

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Citi SMRT Visa Card

Suitesmile rating:

✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of $500 per statement month.

Cashback is capped at $600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on $12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

💸 Annual fee
$196.20
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. $10).

📜 Terms & conditions

Citi Prestige

12 free airport lounge visits per year, 4th night free on hotel bookings

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🎁 Sign-up bonus

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Citi Prestige Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.3 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Having many transfer partners and miles that don’t expire gives you fantastic flexibility.

Cardholders are also entitled to 12 free airport lounge visits per calendar year (via Priority Pass) and 4th Night Free on prepaid hotel bookings made through the Citi Prestige Concierge.

💸 Annual fee
$651.82
(Strictly no waiver, always comes with 80,000 points, equivalent to 32,000 miles)

💼 Income requirement
$120,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
12 free lounge visits per calendar year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expires!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
$27.25 per transfer

🤗 Points pooling
Points from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi PremierMiles

Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency

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🎁 Sign-up bonus

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Citi PremierMiles Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2.2 miles per dollar on foreign currency spending.

This is a great backup card, if you have exhausted all your specialized cards with better earn rates.

Having many transfer partners and miles that do not expire gives you fantastic flexibility. Because of these 2 key factors, I recommend using this card over other General Spending cards with similar earn rates.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per calendar year! For example, if you apply for the card in March this year, you will get 2 free visits for the current year, plus 2 more free visits from 1 January the following year.

💸 Annual fee
$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

🛋️ Airport lounge access
2 free lounge visits per calendar year
(via Priority Pass)

⏰ Points expiry
Miles earned on this card do not expire!

🫱‍🫲 Transfer partners
KrisFlyer, Asia Miles, Infinity MileageLands, Executive Club and more!

💯 Transfer ratio
1 Citi mile = 1 mile

🧮 Transfer block
10,000 miles

💲 Transfer fee
$27.25 per transfer

🤗 Points/Miles pooling
Miles from this card cannot be combined with those from other Citi cards and can only be transferred out separately.

❓ How/When points are credited
Base miles are credited immediately when the transaction is posted.

📜 Terms & conditions

Citi Cash Back

Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries

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🎁 Sign-up bonus

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Citi Cash Back Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you a strong 8% cashback on Ride-Hailing and Petrol spending and 6% cashback on Groceries and Dining upon meeting the minimum spend of $800 per statement month. Cashback is capped at $80 per month.

Using this card for fuel purchases at Esso and Shell will get you 20.88% in savings, while using it at Sinopec can get you up to 31% in savings (depending on station discount).

Eligible purchases in foreign currency counts too! Remember to link the card to Amaze to lower foreign currency charges.

Pro tip: Can’t meet the $800 monthly spending requirement? You can purchase supermarket vouchers in store to make up the difference. These voucher purchases will be eligible for 6% cashback and can be used for grocery shopping in future.

Get just 0.25% cashback for other spending categories.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Avoid this fee by linking this card to Amaze!)

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cardholders are required to redeem it via SMS.

📜 Terms & conditions

Citi Cash Back+

Get unlimited 1.6% cashback on almost everything

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🎁 Sign-up bonus

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More information on the

Citi Cash Back+ Mastercard

Suitesmile rating:

✍️ Short summary
This card gives you unlimited 1.6% cashback on almost everything.

💸 Annual fee
$196.20
(First year waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback amount is credited into the card at the end of the statement month. Cashback will only be credited in multiples of $10, when it amounts to at least $50. Any cashback amount earned but not yet credited will be brought forward to the following month.

📜 Terms & conditions