Best Citibank Credit Cards Singapore (Miles & Cashback)

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Earn 4 mpd on online spending, selected in-person shopping and in-person overseas spending (via Amaze ^{For in-person overseas spending, the trick is to link the Citi Rewards Card to Amaze, then use the Amaze Card to spend. Such transactions will be seen as 'online' by Citibank, earning you the bonus earn rate.}), up to S$1,000 per statement month
 No minimum spending
 5-year points expiry cycle ^{Points expire in 5-year cycles (plus 3 months grace period) from your card approval date. As such, points earned near the end of a cycle will have a shorter expiry term.}
 8 useful points transfer partners

0.4 mpd earn rate on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus earn rate
In-person shopping bonus earn rate (without Amaze linkage) is MCC-sensitive
3.25% foreign transaction fee (save ~1% via Amaze)
Amaze linkage for SGD spending comes with a 1% fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 Get 2 free airport lounge visits per calendar year ^{Get 2 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guest. Supplementary cardholders do not have any airport lounge entitlement.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire
 8 useful miles transfer partners

Low earn rates (spend with 4 mpd cards instead):
• 1.2 mpd on local spending
• 2.2 mpd on foreign currency spending 3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$651.82 (no waiver; always comes with 32,000 miles)

 Get 12 free airport lounge visits per calendar year ^{Get 12 free airport lounge visits worldwide via Priority Pass. Entitlement can be used for lounges, restaurants and spas, for the principal cardholder and guests. Supplementary cardholders do not have any airport lounge entitlement.}
 4th night free on hotel bookings
 No minimum spending
 Uncapped earn rates
 Points don’t expire
 8 useful points transfer partners

Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2 mpd on foreign currency spending 3.25% foreign transaction fee
Many unfavourable rules on 4th night free benefit <sup>Must book via Citi Prestige Concierge. Must be prepaid at the time of booking. Get credited on room rate only (you'll still have to pay taxes/fees on the 'complimentary night').

Ineligible bookings include: Back-to-back stays in the same city, suites, villas, apartments and packaged rates.</sup>

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Citi Prestige Card

Suitesmile rating:

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✍️ 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 points 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.

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

💼 Income requirement
S$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 expire

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

💯 Transfer ratio
2.5 points = 1 mile

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

💲 Transfer fee
S$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 points are credited immediately when the transaction is posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 5% cashback on online spending, groceries, ride-hailing and public transport, up to S$12,000 per card membership year
 Great for big online purchases (e.g. tech gadgets, appliances, buying miles/points)

Minimum card spend of S$500 per statement month required for bonus cashback
0.3% cashback on non-bonus spending
Travel-related spending (e.g. flights, hotels) excluded from bonus cashback
3.25% foreign transaction fee

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Citi SMRT Card

Suitesmile rating:

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✍️ 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 S$500 per statement month.

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

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/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. S$10).

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries spending, up to S$1,000-S$1,333 per statement month ^{Cashback capped at S$80 per statement month. Maximum spend to earn cashback: S$1,000 (if spending only on 8% categories), S$1,333 (if spending only on 6% categories), or somewhere in between if spending across both.}

Minimum card spend of S$800 per statement month required for bonus cashback
Bonus categories are MCC-sensitive
0.2% cashback on non-bonus spending
3.25% foreign transaction fee

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Citi Cash Back Card

Suitesmile rating:

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✍️ 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 S$800 per statement month. Cashback is capped at S$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 S$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 0.2% cashback for other spending categories.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/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

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

 No minimum spending
 Uncapped earn rate

Low earn rate of 1.6% cashback (spend with better cashback cards)
3.25% foreign transaction fee

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Citi Cash Back+ Card

Suitesmile rating:

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✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/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 S$10, when it amounts to at least S$50. Any cashback amount earned but not yet credited will be brought forward to the following month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first year waived; request waiver every year)

5% cashback on entertainment, up to S$1,200 per statement month ^{Entertainment includes cable/satellite TV services, digital goods (books, movies, music), motion picture production, cinemas, and theatrical ticket agencies.}
3% cashback on M1 and Maxx telco bills, up to S$300 per statement month
3% cashback on M1 Shop in-store purchases (uncapped)
No minimum spending

0.3% cashback on non-bonus spending
Entertainment category is MCC-sensitive
M1 Shop cashback applies to physical outlets only (not online)
3.25% foreign transaction fee

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Citi M1 Card

Suitesmile rating:

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✍️ Short summary
A niche card best suited for M1 subscribers. No minimum spending is required for any bonus category.

Here are the bonus cashback categories:

1. Entertainment (cinema, streaming services, digital goods): 5% cashback, up to S$1,200 per statement month
2. M1 telco bills: 3% cashback, up to S$300 per statement month
3. M1 Shop in-store purchases: 3% cashback, uncapped. Physical outlets only (not online).

All other spending earn just 0.3% cashback.

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💸 Annual fee
S$196.20
(First year waived, always request for a waiver after that)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%

📜 Terms & conditions

🎁 Sign-up promo