Citi M1 Platinum Card — Up to 5% on Telco & Entertainment
Earns up to 5% on entertainment, up to 3% on m1 telco bill, and up to 3% on m1 shop — and up to 0.3% on everyday spend. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Entertainment | 5% | S$30 |
| All other categories (base rate) | 0.3% | S$5 |
| Monthly cashback | S$35 | |
| Annual cashback | S$414 | |
New cardholders only who apply through this link and spend min. S$500 in qualifying transactions within 30 days of card approval (card must remain valid and uncancelled for 12 months from approval) choose one: - S$380 Cash via PayNow - 25,000 Max Miles (worth S$600) - Dyson Airstrait (worth S$799) - Dyson V8 Cyclone cordless vacuum (worth S$559) - Galaxy Buds 4 Pro + S$150 eCapitaVoucher (worth S$499) Top-up options available (iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •5% on Entertainment (capped at S$60/mo) — Entertainment transactions at cinemas, ticketing agencies and streaming services.
- •3% on M1 Telco Bill (capped at S$8/mo) — M1 Telco Bill Charges (M1 Recurring Charges, M1 MAXX Charges).
- •3% on M1 Shop — In-store purchases at M1 Shops.
- •0.3% base rate on other eligible spend
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived)
- Citi World Privileges
Access to local deals and discounts across dining, shopping and lifestyle through the Citi World Privileges programme.
- Annual fee
- S$196.20First year waived
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 27.9%
- Cash advance service charge
- S$15 or 8% of amount withdrawn, whichever is higher
- Minimum payment
- 1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher
- Interest-free period
- 25 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$42,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Min. income S$30,000 (local/PR) or S$42,000 (foreigner) a year
- •Earns 5% cashback on entertainment transactions at cinemas, ticketing agencies, and streaming services.
- •Earns 3% cashback on M1 telco bill charges, including M1 recurring charges and M1 MAXX charges.
- •Earns 3% cashback on in-store purchases at M1 Shops.
- •The annual fee of S$196.20 is waived for the first year.
- •Provides access to local deals and discounts across dining, shopping, and lifestyle through the Citi World Privileges programme.
- •Entertainment cashback is capped at S$60 per statement month.
- •The 3% rebate on M1 telco bill charges applies only to the first S$300 of charges each statement month.
- •Base cashback on general spend is 0.3%.
About the Citi M1 Platinum Card
The Citi M1 Platinum Card earns 5% on entertainment, 3% on m1 telco bill, and 3% on m1 shop, with a 0.3% base rate on other eligible spend. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
The Citi M1 Platinum Card earns 5% on entertainment, 3% on m1 telco bill, and 3% on m1 shop, plus 0.3% on other eligible spend.
Where this card earns the most
The Citi M1 Platinum Card earns the most on entertainment, m1 telco bill, and m1 shop. When those categories dominate the entered spend, the calculator returns higher projected monthly cashback for this card than for cards without those bonuses.
Other cashback cards to compare
Frequently asked questions
Is the Citi M1 Platinum Card worth it?
The Citi M1 Platinum Card earns 0.3% cashback on general spend and up to 5% on shopping & online, with a S$196.20 annual fee (First year waived). Individual bonus categories are capped each month. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the Citi M1 Platinum Card for?
The Citi M1 Platinum Card suits online shoppers, streaming and entertainment subscribers, and household and grocery spenders — it earns 5% on shopping & online, 5% on entertainment, and 3% on m1 telco bill. Spending spread across other categories may earn more on a different card.
How much cashback does the Citi M1 Platinum Card earn?
The Citi M1 Platinum Card earns 5% on entertainment, 3% on m1 telco bill, and 3% on m1 shop, with 0.3% on other eligible spend.
What is the annual fee?
S$196.20, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
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.