For a limited time, Citi PayAll is offering a 2.2 miles per dollar earn rate for payments made through the facility.
What is Citi PayAll?
Citi PayAll is a payment facility offered by Citibank Singapore. Citi cardholders can use it to pay rent, insurance premiums, taxes, school fees and more.
Cardholders can earn miles/points for the payments made, but will be charged a small fee.
Because of this fee, cardholders will be paying a little more than their actual expense, in order to earn miles. Hence, by using Citi PayAll, cardholders are essentially “buying” miles, with conditions.
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Key points to note
- Earn a total of 2.2 miles per dollar (or 5.5 points per dollar) on expenses paid through Citi PayAll from 20 Apr to 20 Aug 2023, regardless of which eligible card you use
- The PayAll fee is 2.2%
- A minimum aggregate spend of $8,000 is required within the offer period, on only one eligible card
- Bonus miles/points capped at first $120,000 during the offer period, on only one eligible card
- Bonus miles will be credited within 16 weeks after the offer period (by 10 Dec 2023)
- New Citi PayAll customers, or those who have not used Citi PayAll in the last 24 months, get S$50 worth of GrabGift vouchers upon meeting the $8,000 minimum spend
- Offer terms and conditions
- Citi PayAll terms and conditions
Eligible cards and bonus miles
As mentioned above, if a cardholder meets the aggregate spend of $8,000 within the offer period, these eligible cards will earn a total of 2.2 miles per dollar.
However, as each card have differing base earn rates, the bonus miles/points calculation varies.
Although Citi Rewards is a must-have card, I recommend using one of the other cards instead, if you have one. This is so that you do not need to wait up till 10 Dec 2023 to receive the majority of your miles! Plus, miles/points earned on the other 3 cards do not expire.
| Card | Base Miles | Bonus Miles | Cost per Mile |
|---|---|---|---|
 Citi Rewards | 0.4 mpd (1 point) | 1.8 mpd (9 points) | 1 cent |
 Citi PremierMiles | 1.2 mpd | 1 mpd | 1 cent |
 Citi Prestige | 1.3 mpd (3.25 points) | 0.9 mpd (2.25 points) | 1 cent |
 Citi ULTIMA | 1.6 mpd (4 points) | 0.6 mpd (1.5 points) | 1 cent |
How to make Citi PayAll payments
Citi PayAll payments can be set up through the Citibank SG mobile app by following these simple steps:
- On the app’s home page, tap on Payments
- Tap on Citi PayAll
- Tap on Start using Citi PayAll
- Select a payment category
- Select the payment frequency
- Enter payment amount, select an eligible card and enter recipient’s details
Once the setup is completed, your card will be charged (usually) in the next three days and the recipient will receive the money through bank transfer.
What can you pay for?
The Citi PayAll facility can be used for the following payments:
- Education Fees
- Taxes
- Rent
- Insurance Premiums
- Renovation Fees
- Property Agent Fees
- Wedding Expenses
- Condo Management Fees
- Child Care Services
- Domestic Helper Service Fees
- Donation or Charity Payment
- Electricity Bills
- Event Management Fees
- Membership Fees
- Maintenance Fees
- Medical Services
- Payment for Retail Goods and Services
- Parking
- Professional Services Fees
- Storage
- Travel Expenses
- Transport Fees
- Utilities
The above list covers a huge range of payment categories to “buy miles” for cheap.
Cardholders can pay anyone for any goods and services through the Payment for Retail Goods and Services category.
However, Citibank warned against the abuse of this payment facility in its terms and conditions. Here’s a snippet of the key points:
10 YOUR RESPONSIBILITY
10.1 When accessing and using the Service, you must comply with any prescribed verification
procedures, or other procedures, directions and instructions communicated by us to you. Further,
you hereby represent and warrant that you shall not, in connection with your use of the Service:
(a) use the Service other than exclusively for the types of Payments and Payees we allow;
(b) send money to yourself or recipients who have not provided you with goods or services (unless
expressly allowed by us);
(c) provide yourself or any other party a cash advance from your card (or help other parties to do
so);
(d) breach these terms;
(e) engage in any fraudulent, illegal or unlawful activity whether intentionally or unintentionally, or
breach any regulations, rules, notices, instructions or directives of any regulatory body or
authority, governmental agency or national or other securities exchange;
Best ways to use Citi Miles/Points
Miles/Points from Citi cards are very flexible! As mentioned above, miles/points earned on 3 of the 4 eligible cards do not expire and they can be transferred to many frequent flyer programs.
Here are some of the best ways to use Citi miles/points:
| Destination (to/from Singapore) | Miles Required | Frequent Flyer Program |
|---|---|---|
| Japan/Korea | 25k (Business) | Infinity MileageLands |
| Europe | 45k (Business) | Miles&Smiles |
| Istanbul | 56.5k (Business) | Krisflyer |
| India | 58.5k (First/Suite) | Krisflyer |
| Australia/ New Zealand | 68.5k (Business) | Krisflyer |
| Europe | 70k (Business) | Asia Miles |
| Europe | 75k (Business) | Privilege Club |
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Free Limousine rides
Citi PayAll payments count towards the minimum spending requirement for free Limousine rides with the Citi Prestige card.
To recap, Citi Prestige cardholders who spend at least S$12,000 quarterly can claim 2 complimentary limousine rides to or from Changi Airport.
Meet minimum spending for card sign-up bonus
Citi PayAll payments also count towards the minimum spending requirements for credit card sign-up bonuses for new cardholders.
Bottom line
Citi PayAll is running a great offer for cardholders to “buy miles” for just 1 cent each (SGD), by making payments through the facility, upon meeting the minimum spending requirement.
While this is not a no-questions-asked way to buy miles, the facility does cover a huge range of qualifying spending categories. Take note that bonus miles will only be credited at the end of the year.