Citi credit cards

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

By   |   Verified by David Boyd   |   Updated 19 Sep 2023

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Comparing Citi credit cards

Citi SMRT Credit Card

Citi SMRT Credit Card

Cashback

Up to 14.00% on petrol 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

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 $194.40 for the principal card and $97.20 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

Citi Prestige Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get 120,000 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 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

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 Citi Miles per S$1 on foreign currency spend and 1.2 Citi Miles per S$1 on local spend. Renewal bonus of 10,000 Citi Miles on your card anniversary.
  • Access to over 1,000 airport lounges with Priority Pass membership.
  • Up to $$1 million travel insurance coverage is awesome.

Pros

  • No expiry on miles earned.
  • Redeem miles at over 60 airlines and 8,000 hotels.
  • Convert 1,200 miles to a $10 rebate.
  • Supplementary card is complimentary.

Cons

  • Annual fee of $194.40 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

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

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.