Compare Citi Credit Cards
All 6 Citibank Singapore miles and cashback cards in one ranked list, scored by value at your monthly spend. Updated 30 Jun 2026
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Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
About Citibank Singapore's credit cards
Citi's miles cards lean on flexible points — PremierMiles for foreign-currency and travel spend, and Citi Rewards for an online and shopping bonus. Citi's cashback cards range from the flat, uncapped Cash Back+ to the category-tiered Cash Back Card and the transport-and-online SMRT Card. This page filters the full SGfi credit-card comparison to Citi's lineup and ranks its miles and cashback cards together by the S$-equivalent value each earns at your monthly spend — cashback at face value, miles at the cents-per-mile you choose. Use the bank chips above to compare other issuers.
SGfi tracks 2 Citi miles cards in this comparison: Citi PremierMiles Card and Citi Rewards Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 0.4 mpd to 1.2 mpd, and top category bonuses reach 10 mpd on eligible spend. Use the input sidebar to rank the cards by projected annual miles at your monthly spend profile.
SGfi tracks 4 Citi cashback cards in this comparison: Citi Cash Back+ Card, Citi Cash Back Card, Citi SMRT Card, and Citi M1 Platinum Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 0.2% to 1.6%, and top category bonuses reach 5% on eligible spend. Use the input sidebar to rank the cards by projected annual cashback at your monthly spend profile.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Can I hold both a Citi miles card and a Citi cashback card?expand_more
Yes. Many Singapore cardholders pair a miles card for travel-leaning and foreign-currency spend with a cashback card for everyday categories. This page ranks all 6 Citi cards (2 miles and 4 cashback) in one list by the S$-equivalent value each earns at your spending, so you can see which Citi card leads for your mix and whether a second card adds value.
Which Citi miles credit cards does SGfi compare?expand_more
SGfi currently compares 2 Citibank Singapore miles cards: Citi PremierMiles Card and Citi Rewards Card. Each is ranked by projected annual miles at the monthly spend you enter on the calculator above.
Which Citi miles card has the lowest annual fee?expand_more
The Citi PremierMiles Card has the lowest annual fee at S$196.20 per year among the Citi miles cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which Citi miles card has the highest base rate?expand_more
The Citi PremierMiles Card has the highest base rate at 1.2 mpd. Some other Citi cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Do Citi miles cards earn points that expire?expand_more
It depends on the card. The Citi PremierMiles Card earns Citi Miles that never expire as long as the card account stays open. The Citi Rewards Card earns Citi ThankYou Points that expire 60 months (5 years) after the card-approval date — every point in that window expires together regardless of when it was earned, with a 3-month grace period. You can transfer Citi Rewards points to KrisFlyer before that deadline to lock in their value.
Which Citi cashback credit cards does SGfi compare?expand_more
SGfi currently compares 4 Citibank Singapore cashback cards: Citi Cash Back+ Card, Citi Cash Back Card, Citi SMRT Card, and Citi M1 Platinum Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which Citi cashback card has the lowest annual fee?expand_more
The Citi Cash Back+ Card has the lowest annual fee at S$196.20 per year among the Citi cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which Citi cashback card has the highest base rate?expand_more
The Citi Cash Back+ Card has the highest base rate at 1.6%. Some other Citi cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
What's the difference between the Citi Cash Back and the Citi Cash Back+ Card?expand_more
The Citi Cash Back+ Card pays a flat 1.6% on all spend with no minimum spend and no cashback cap — simple and predictable. The Citi Cash Back Card pays tiered bonuses (8% on groceries, petrol and private-hire transport, 6% on dining) but requires S$800 monthly spend and caps total cashback at S$80 per month. Heavy grocery and dining spenders earn more from the Cash Back Card. Everyone else benefits from the cap free Cash Back+.