Citi credit cards

Compare the best Citi credit cards offers, rewards, travel benefits, and perks.

Bill Ryan Natividad avatar
Written by   |  
David Boyd avatar
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Updated 7 May 2025   |   Rates updated regularly

Comparing of 6 Citi credit cards

Citi SMRT Credit Card

Not available for application via this website

Citi SMRT Credit Card

Cashback

Up to 5.00% on grocery spend

Cashback cap

$600.00 on any spend

Minimum spend

S$500.00 per month

Sign up bonus

Get S$300 cash back when you apply and spend with a Citi SMRT Card. Terms and Conditions apply.

Highlights

  • Get up to 5% cashback on selected grocery stores, online purchases, and & public transport rides.
  • Get a 0.3% cashback on all other eligible transactions.
  • Redeem SMRT$ for cash rebate or shopping vouchers

Pros

  • The annual fee for the first 2 years is waived. S$194.40 thereafter.
  • Get deals and discounts with Citi World Privileges.
  • Convert big transactions into installments with Citi PayLite.

Cons

  • There is a required S$500 spend to earn the 5% cashback on select categories.
  • S$600 cap on SMRT$ rebates per year.
Citi Rewards Credit Card

Not available for application via this website

Citi Rewards Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 40,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$800 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 10X Reward on online purchases and shopping purchases.
  • Earn 10X Reward on rides with Grab, Gojek, and more.
  • Earn 10X Reward on online food delivery.
  • Earn 10X Reward on online groceries.

Pros

  • All other purchases still earn you a 1X Reward.
  • The first-year annual fee is waived.
  • Enjoy complimentary travel insurance when you use your card to purchase an airline ticket.
  • Get deals and discounts with Citi World Privileges.

Cons

  • Annual fee is waived for the 1st year, but $196.20 for the principal card and $98.10 for the supplementary card after.
  • There is a 3.25% foreign conversion fee.
  • Sign-up promo is only applicable to new Citi cardholders.
  • A rewards cap applies.
Citi Prestige Credit Card

Not available for application via this website

Citi Prestige Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 145,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$2,000 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 5 ThankYou points (2 miles) per $1 overseas spend and 3.25 ThankYou points (1.3 miles) per $1 local spend.
  • Get a complimentary 4th-night stay at any hotel or resort.
  • Enjoy six complimentary golf games in Singapore, China, Indonesia, and Malaysia.
  • A concierge team to support your lifestyle at home and abroad

Pros

  • Earn 2 miles per $1 overseas spend and 1.3 miles per $1 local spend, miles won't expire on you.
  • No cap on ThankYou points.
  • Access to over 1,000 airport lounges with Priority Pass membership.
  • Up to $1 million travel insurance coverage is awesome.
  • Travel like a boss! Complimentary one-way Airport Limousine transfers to or from Changi International Airport.
  • Fly and stay with no blackout dates all year round.

Cons

  • The high annual fee of S$540 p.a.
  • A minimum income of S$120,000 a year is required to be eligible for this card.
  • Free travel insurance only when your air ticket is charged to your card.
Citi PremierMiles Card

Not available for application via this website

Citi PremierMiles Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 30,000 bonus Citi ThankYou Points when you apply, get approved, and spend S$800 or more in the first 2 months. Terms and Conditions apply.

Highlights

  • Earn 2.2 Citi Miles per S$1 spent overseas and 1.2 Citi Miles per S$1 spent locally.
  • Get 10,000 bonus Citi Miles every year when you renew your card.
  • Relax before your flight with access to over 1,000 airport lounges via Priority Pass.
  • Travel with peace of mind with complimentary coverage of up to S$1 million.

Pros

  • Redeem S$1 with just 100 Citi Miles+ until 15 July 2025.
  • Miles never expire, giving you flexibility to redeem them when it suits you.
  • A wide range of airline and hotel transfer partners to choose from.
  • Enjoy Citi World Privileges with dining, shopping, and travel offers worldwide.
  • Access a large global network of airport lounges with a Priority Pass membership

Cons

  • Annual fee of $196.20 p.a. for the principal card.
  • Priority Pass membership is free for the principal cardholder only, expect to apply for it, and is limited to 2 free lounge visits each year.
  • Free travel insurance only when your air ticket is charged to your card.
Citi Cash Back+ Credit Card

Not available for application via this website

Citi Cash Back+ Credit Card

Cashback

1.60% on any spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get up to S$300 cash back when you apply today. Terms and Conditions apply

Highlights

  • Earn 1.6% cashback on all eligible transactions.
  • Earn unlimited cashback with no minimum spend requirements.
  • Comes with complimentary travel insurance,

Pros

  • Earn a 0.4% bonus cashback if you have a Citi Interest Booster Account.
  • The first-year annual fee is waived.
  • Get exclusive deals with Citi World Privileges.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the initial year, the annual fee reverts to S$194.40.
  • Other cashback cards have higher points earning schemes.
Citi Business Card

Not available for application via this website

Citi Business Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

None

Highlights

  • Earn 2X rewards per S$1 spent on eligible transactions
  • Waived 1st year annual fee.
  • Get an additional business credit limit of up to S$100,000.

Pros

  • Get complimentary travel insurance.
  • Up to 55 interest-free days.
  • Includes complimentary corporate liability waiver insurance.
  • Redeem earned points for cash rebates or other rewards.

Cons

  • The annual fee is waived for the 1st year, but $150 thereafter.

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