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 payments, but will be charged a small fee.
Because of this fee, cardholders will pay slightly more than their actual expenses 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 Period:
- Payment must be set up from 17 Apr to 31 Jul 2026
- Payment must be charged to the card by 6 Aug 2026
- Cash Rebates:
- Tax payments: 0.7%
- All other payments: 0.2%
- Minimum spend: S$6,000
- Service Fee (before cash rebate):
- 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:
- Maximum spend: S$150,000
- One eligible card per Citibank customer
- Gift: S$80 eCapitavoucher with a minimum spend of S$8,000 in any category
- Crediting: Cash rebate and gift will be credited within 10 weeks after the offer period (by 9 Oct 2026)
- No registration required
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 | Fees (after rebate) | Cost per Mile |
|---|---|---|---|
 Citi ULTIMA | 1.6 mpd (4 points) | Tax: 1.9% Others: 2.4% | 1.19 – 1.50 cents |
 Citi Prestige | 1.3 mpd (3.25 points) | Tax: 1.9% Others: 2.4% | 1.46 – 1.85 cents |
 Citi PremierMiles | 1.2 mpd | Tax: 1.9% Others: 2.4% | 1.58 – 2 cents |
 Citi Rewards | 0.4 mpd (1 point) | Tax: 1.9% Others: 2.4% | 4.75 – 6 cents (AVOID!) |
How is “cost per mile” calculated?
This is best explained with an example: Say you have a S$10,000 tax bill that you plan to pay through Citi PayAll, using the Citi PremierMiles Card:
| Bill Amount | S$10,000 |
| Citi PayAll Fee | S$190 (1.9% fee) |
| Total PayAll Payment | S$10,190 |
| Total Miles Collected | 12,000 (S$10,000 * 1.2 mpd) |
| Cost per Mile | S$0.0158 (S$190 fee / 12,000 miles) |
Best Citibank miles credit cards
Not familiar with the above cards? Here’s a detailed look at the best Citibank credit cards:
Earn 4 mpd on online spending, selected in-person shopping and even in-person overseas spending with Amaze linkage
More information
Key details of the Citi Rewards Card
Ease of use :
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 ), up to S$1,000 per statement month
No minimum spending
5-year miles expiry cycle
9 useful miles 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
Get 2 free airport lounge visits per year, earn 1.2 mpd on local spending and 2.2 mpd on foreign currencies
More information
Key details of the Citi PremierMiles Card
Ease of use :
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 )
Get 2 free airport lounge visits per calendar year
No minimum spending
Uncapped earn rates
Miles don’t expire
9 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
Get 12 free airport lounge visits per year, earn 1.3 mpd on local spending and 2 mpd on foreign currencies
More information
Key details of the Citi Prestige Card
Ease of use :
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
4th night free on hotel bookings
No minimum spending
Uncapped earn rates
Miles don’t expire
9 useful miles 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
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 Nov 2025 – 28 Feb 2026 | 0.4 – 1.6 mpd | 2 – 2.1% | 1.25 – 5.25 cents |
| 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
Here are the terms and conditions of this Citi PayAll promo:
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:
