Citi Rewards Card — 4 mpd Online & Shopping
Earns 4 mpd on shopping & online — and 0.4 mpd on everyday spend. Use the simulator to see your projected annual miles.
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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 | |
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. This tool is for informational purposes and is not financial advice. Last verified: May 2026.
This card has no spend tiers — the rate structure below applies to all qualifying monthly spend.
- •4 mpd on shopping & online (capped at 4,000 mi/mo) — All online, offline clothes, department stores, bags and shoes, except for travel
- •0.4 mpd base rate on other eligible spend
- •Annual fee: S$196.20 (first year waived)
About the Citi Rewards Card
The Citi Rewards Card earns 4 mpd on shopping & online, 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.
Key features
- •4 mpd on online and clothes spend
- •$1,000/month combined cap (9,000 bonus points)
- •Excludes travel and mobile wallet transactions
Miles breakdown
The Citi Rewards Card earns 4 mpd on shopping & online (up to 4,000 miles/month), plus 0.4 mpd on other eligible spend.
Where this card earns the most
The Citi Rewards Card earns the most on shopping & online. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
How it compares
Compare against all miles cardsarrow_forwardFrequently asked questions
How many miles does the Citi Rewards Card earn?
The Citi Rewards Card earns 4 mpd on shopping & online, with 0.4 mpd on other eligible spend.
Are there earning caps?
Yes — bonus miles are capped per category: shopping & online at 4,000 miles/mo. Spend beyond the implied cap earns the base 0.4 mpd instead.
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.
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 May 2026, not guarantees of future earning. Terms and conditions apply.