For a limited time, Citi PayAll is offering cash rebates 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, when using Citi PayAll, cardholders are essentially “buying” miles, and importantly, with conditions (unlike UOB Payment Facility, this is not a no-questions-asked method of buying miles).
Get cash rebates with Citi PayAll payments
- Promo:
- Citi insurance payments (Citi Private Client*, min. S$150,000): 0.6% cash rebate
- Citi insurance payments (min. S$100,000): 0.55% cash rebate
- All other payments (min. S$6,000): 0.5% cash rebate
- Promo Period:
- Payment must be set up from 18 Nov 2025 – 28 Feb 2026
- Payment must be charged to card by 5 Mar 2026
- Service Fee:
- 2.6% (do not select the “zero fees” option if you want to earn rebates/miles/points)
- Service fee will not earn rebates/miles/points or count towards min. spend
- Caps:
- Citi insurance payments: S$400,000
- All other payments: S$150,000
- One eligible card per Citi customer
- Crediting: Cash rebates will be credited within 12 weeks after the offer period (by 23 May 2026)
- No registration required
*Citi Private Client customer who is an Accredited Investor and a Citi ULTIMA or Prestige Cardholder
Eligible cards and earn rates
For the first time, all 4 eligible cards (listed below) will have different earn rates in this Citi PayAll promo.
Note: While the Citi Rewards card is a must-have miles card, it should not be used for this promo as the cost per mile with a 0.4 mpd earn rate is pretty horrible.
| Card | Earn Rate | Fee (After Rebate) | Cost per Mile |
|---|---|---|---|
 Citi ULTIMA | 1.6 mpd (4 points) | 2 – 2.1% | 1.25 – 1.31 cents |
 Citi Prestige | 1.3 mpd (3.25 points) | 2 – 2.1% | 1.54 – 1.62 cents |
 Citi PremierMiles | 1.2 mpd | 2 – 2.1% | 1.67 – 1.75 cents |
 Citi Rewards | 0.4 mpd (1 point) | 2 – 2.1% | 5 – 5.25 cents (AVOID!) |
How is “cost per mile” calculated?
This is best explained with an example: Say you have a S$10,000 bill that you plan to pay through Citi PayAll, using the Citi PremierMiles Card:
| Bill Amount | S$10,000 |
| Citi PayAll Fee | S$210 (2.1% fee) |
| Total PayAll Payment | S$10,210 |
| Total Miles Collected | 12,000 (S$10,000 * 1.2 mpd) |
| Cost per Mile | S$0.0175 (S$210 fee / 12,000 miles) |
Not familiar with the above cards? Here’s a quick look at the best Citibank credit cards:
💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.
Citi Prestige
12 free airport lounge visits per year, 4th night free on hotel bookings
Citi PremierMiles
Earn 1.2 mpd on local spend, 2.2 mpd on foreign currency
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.
Make legitimate payments only
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.
Citibank also warns against gaming the promotion in the promo terms and conditions.
Strictly no gaming of this Promotion is allowed (for example if the payments are not genuine payments and
conducted for the main purpose of gaining Cash Rebate, Citi Miles or Citi ThankYou Points) and Citibank’s
decision/determination on whether gaming of this Promotion has occurred is final and binding.
History of Citi PayAll promos
| Period | Earn Rate | Fee | Cost per Mile |
|---|---|---|---|
| 18 Apr – 31 Aug 2025 | 1.8 mpd (tax) 1.6 mpd (non-tax) | 2.6% | 1.63 cents (tax) 1.44 cents (non-tax) |
| 7 Oct 2024 – 28 Feb 2025 | 1.75 mpd | 2.6% | 1.49 cents |
| 22 Apr – 31 Jul 2024 | 2 mpd (tax) 1.6 mpd (non-tax) | 2.6% | 1.63 cents (tax) 1.3 cents (non-tax) |
| 18 Oct 2023 – 29 Feb 2024 | 1.8 mpd | 2.2% | 1.22 cents |
| 20 Apr – 20 Aug 2023 | 2.2 mpd | 2.2% | 1 cent |
| 12 May – 31 Jul 2020 | 1.5 mpd | 2% | 1.33 cents |
Terms and conditions
Citibank shared the following terms and conditions of this offer:
payallpromotionQ42025Best 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 to Japan & South Korea using Miles
- Cheapest ways to fly to Europe using Miles
- Cheapest ways to fly to US/Canada using Miles
Bottom line
Citi PayAll is running a good offer for cardholders to “buy miles” from 1.25 cents each, when making payments through the facility. Realistically though, most readers will probably buy miles at 1.62 to 1.75 cents each through Citi PremierMiles or Citi Prestige cards and making payments other than Citi insurance premiums.
While this is not a no-questions-asked method to buy miles, the facility does cover a huge range of qualifying spending categories.
Keep in mind that the cash rebate will only be credited in May 2026.
