Citi Rewards Card — Up to 4 mpd Online & Shopping
Citi Rewards Card earns up to 4 mpd on online purchases and up to 4 mpd on shopping — and up to 0.4 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 5 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| Shopping & online | 4 mpd | 2,400 |
| All other categories (base rate) | 0.4 mpd | 600 |
| Monthly miles | 3,000 | |
| Annual miles | 36,000 | |
For shopping & online spend, this card stacks more than one rule — the calculator earns at the highest applicable rate first and only rolls any leftover (after that rule's cap) into the next rule, then the base rate. Your real-world rate depends on which merchants you use.
New cardholders only who apply through this link and spend min. S$500 in qualifying transactions within 30 days of card 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) - Sony WF-1000XM6 (Earbuds) + S$50 eCapitaVoucher (worth S$529) 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_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •4 mpd on Online purchases — Online merchants (travel related excluded)
- •4 mpd on Shopping — Department stores, clothing stores, shoe stores, and luggage stores.
- •0.4 mpd base rate on other eligible spend
- •Bonus miles capped at 3,600/mo — base spend continues earning 0.4 mpd uncapped
- •Annual fee: S$196.20 (First year waived)
- Citi World Privileges
Access to Citi World Privileges, offering deals and discounts locally and in over 90 countries worldwide.
- 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%
- Minimum payment
- 1% of current account 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 4 miles per dollar (mpd) on online purchases (excluding travel-related merchants).
- •Earns 4 miles per dollar (mpd) at department stores, clothing stores, shoe stores, and luggage stores.
- •The S$196.20 annual fee is waived in the first year.
- •ThankYou Points are valid for 60 months (5 years) from the date they are earned.
- •Cardholders have access to Citi World Privileges, offering deals and discounts locally and in over 90 countries worldwide.
- •Bonus miles earnings are capped at a total of 3,600 bonus miles per statement cycle.
- •Travel-related transactions (airlines, car rentals, hotels, cruise lines, travel agencies, etc.) are excluded from the 4 mpd online category and earn only the base rate of 0.4 mpd.
- •Mobile wallet transactions do not qualify for the 10X (bonus) points rate.
- •A foreign transaction fee of 3.25% applies to transactions made in foreign currencies.
- •A wide range of transaction types are excluded from earning points, including bill payments, insurance payments, government services, top-ups to prepaid accounts, AXS, EZ-link, and SimplyGo transactions.
What spend is excluded from miles?
Spend in these categories does not earn the published miles rates on the Citi Rewards Card.
- •Annual fees
- •Interest charges
- •Late payment charges
- •GST
- •Cash advances
- •Instalment/easy/extended/equal payment plans
- •Preferred payment plans
- •Balance transfers
- •Quasi-cash transactions
- •Fees charged by Citibank or third party
- •Miscellaneous charges imposed by Citibank
- •Funds transfers using the card as source of funds
- •Bill payments (including via Citibank Online or via any other channel or agent)
- •Payments to educational institutions
- •Payments to government institutions and services (including court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases)
- •Payments to insurance companies (sales, underwriting, and premiums)
- •Payments to financial institutions (including banks and brokerages)
- •Payments to non-profit organizations
- •Betting or gambling (including lottery tickets, casino gaming chips, off-track betting, and wagers at race tracks)
- •Top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts
- •Transit-related transactions
- •Mobile wallet transactions (for 10X Points)
- •Travel-related transactions (for 10X Points): airlines, car rental agencies, hotels/motels/resorts, passenger transport and railways, cruise lines, travel agencies and tour operators
- •Utilities (MCC 4900)
- •Cleaning and maintenance/janitorial services (MCC 7349)
- •Parking lots and garages (MCC 7523)
- •Betting/gambling (MCC 7800, 7995, 9754)
- •Wire transfer money orders (MCC 4829)
- •Nondurable goods NEC (MCC 5199)
- •Direct marketing – insurance services (MCC 5960)
- •Financial institutions – merchandise/services/debt repayment (MCC 6012)
- •Quasi-cash – financial institutions (MCC 6050, 6051)
- •Securities – brokers and dealers (MCC 6211)
- •Insurance sales, underwriting and premiums (MCC 6300)
- •Real estate agents and managers – rentals (MCC 6513)
- •Quasi cash/financial services (MCC 6529-6540)
- •Education institutions (MCC 8211-8299)
- •Charitable and social service organizations (MCC 8398)
- •Hospitals (MCC 8062)
- •Political organizations (MCC 8651)
- •Religious organizations (MCC 8661)
- •Government services (MCC 9000-9999)
- •Cigar stores and stands (MCC 5993)
- •AXS transactions
- •EZ-link transactions
- •SimplyGo transactions
- •Transit Link transactions
- •Youtrip Singapore transactions
The information above is a summary and may be incomplete or outdated. Always refer to Citi's official terms and conditions for the authoritative version.
About the Citi Rewards Card
The Citi Rewards Card earns 4 mpd on online purchases and 4 mpd on shopping, with a 0.4 mpd base rate on other eligible spend. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Miles breakdown
The Citi Rewards Card earns 4 mpd on online purchases and 4 mpd on shopping, plus 0.4 mpd on other eligible spend.
Where this card earns the most
The Citi Rewards Card earns the most on online purchases and shopping. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
Other miles cards to compare
Frequently asked questions
Is the Citi Rewards Card worth it?
The Citi Rewards Card earns 0.4 mpd on general spend and up to 4 mpd on shopping & online, with a S$196.20 annual fee (First year waived). Bonus miles are capped at 3,600 per month. Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the Citi Rewards Card for?
The Citi Rewards Card suits online shoppers — it earns 4 mpd on shopping & online. Spending spread across other categories may earn more on a different card.
How many miles does the Citi Rewards Card earn?
The Citi Rewards Card earns 4 mpd on online purchases and 4 mpd on shopping, with 0.4 mpd on other eligible spend.
What is the annual fee?
S$196.20, First year waived.
How does miles redemption work?
The Citi Rewards Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Do miles from the Citi Rewards Card expire?
Yes. Miles earned on the Citi Rewards Card are valid for 60 months from the date they are credited, after which they expire. Redeeming or transferring them before that window closes preserves their value. Terms and conditions apply.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 5 Jul 2026, not guarantees of future earning. 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.
Citi governing terms: Official terms (PDF)