For a limited time, Citi PayAll is offering 1.6 to 2 miles per dollar 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
- The promo period is 22 April (10am) till 31 July 2024
- Earn a total of 2 miles per dollar (or 5 points per dollar) on tax transactions set up through Citi PayAll
- Earn a total of 1.6 miles per dollar (or 4 points per dollar) on non-tax transactions set up through Citi PayAll
- The Citi PayAll service fee is 2.6% (up from 2.2%)
- A minimum spend of $5,000 on non-tax transactions on a single card, is required
- Bonus miles/points capped at $150,000 during the offer period, on only one eligible card
- Bonus miles will be credited within 16 weeks after the offer period (by 20 Nov 2024)
- The first 2,000 Citi PayAll customers with a minimum spend of $8,000 on non-tax transactions will receive $80 worth of GrabGifts vouchers
- Offer terms and conditions
- Citi PayAll terms and conditions
Eligible cards and bonus miles
As mentioned above, if a cardholder meets the minimum spending of $5,000 on non-tax payments within the offer period, one will earn a total of 1.6 to 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 20 Nov 2024 to receive the majority of your miles! Plus, miles/points earned on the other 3 cards do not expire.
| Card | Base Miles | Bonus Miles (Tax) | Cost per Mile (Tax) | Bonus Miles (Non-Tax) | Cost per Mile (Non-Tax) |
|---|---|---|---|---|---|
 Citi Rewards | 0.4 mpd (1 point) | +1.6 mpd (4 points) | 1.3 cents | +1.2 mpd (4 points) | ~1.63 cents |
 Citi PremierMiles | 1.2 mpd | +0.8 mpd | 1.3 cents | +0.4 mpd | ~1.63 cents |
 Citi Prestige | 1.3 mpd (3.25 points) | +0.7 mpd (1.75 points) | 1.3 cents | +0.3 mpd (0.75 points) | ~1.63 cents |
 Citi ULTIMA | 1.6 mpd (4 points) | +0.4 mpd (1 point) | 1.3 cents | – | ~1.63 cents |
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 warns against the abuse of this payment facility in its terms and conditions.
Here’s a snippet of the key points in the T&C:
9 YOUR RESPONSIBILITY
9.1 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;
(f) infringe our or any third party’s copyright, patent, trademark, trade secret or other intellectual
property rights;
(g) use the Service in a manner that we reasonably believe to be in breach of the relevant card
association or network rules; and/or
(h) use the Service to operate or engage in any business regulated by the Monetary Authority of
Singapore or any other relevant regulatory body. Such businesses include but are not limited to
money service or remittance businesses or virtual currency exchanges.
Best ways to use Citi Miles/Points
Miles/Points earned from Citi cards are ultra-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.
Check out these articles for some of the best ways to use Citi miles/points:
- Cheapest ways to fly between Singapore and North Asia using Miles/Points from Singapore cards
- Cheapest ways to fly between Singapore and Europe using Miles/Points from Singapore cards
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Bottom line
Citi PayAll is running a good offer for cardholders to “buy miles” for as little as 1.3 cents each, when making payments through the facility.
While this is not a no-questions-asked way to buy miles, the facility does cover a huge range of qualifying spending categories.
Keep in mind that bonus miles will only be credited late this year.