CITIBANK Credit Card

Which Citibank Credit Card Singapore Do You Need?

Citibank gained immense distinction because of its financial product – credit card. It became Singaporean’s partner for solving money problems. 

Citibank Credit Card bridges the gap between your finances. It comes in different types that suit perfectly any of your money needs. So whatever cash issues you’re facing, Citibank got you covered. 

Find out which of the following Citi Credit Cards you need. 

Table of Contents

Citibank Cashback Credit Card

Citi Cash Back Card is the go-to credit for average spenders. You gain benefits even from everyday purchases, specifically food and petrol expenses. 

Citi Cashback Credit Card Benefits

Experience fantastic cash back for every swipe used for groceries, dining, and petrol. Earn rebates of up to 8% on groceries and 6% on dining. On top of that, you get a chance to receive discounts of up to 20.88%. It applies to Esso & Shell cardholders. Other petrol stations have 8% cashback. Expect a 0.25% cash back for other purchases. Be mindful that the capped rebate is $80 every month.

Spending Requirements

Access the rates when you reach the minimum requirement of $800. If you go under or over the limit, your cashback is just 0.25%. Also, follow the eligible expenditure to secure your rebate. 

Citi Cashback Card Fee 

The annual fee gets waived for one year but costs $192.60 in the succeeding year. 

Eligibility Requirements

Singaporeans and Permanent Residents must have an annual income of $30,000. Foreigners must earn $42,000 annually. 

Citi Cashback Card Rebate Program

Citi Cashback Card earnings mean your $1 rebate is equivalent to $1 in value. It is automatically credited to the cardholder’s account every month. It does not expire, but you can withdraw it at a minimum of $50. Also, your cashback is non-transferable. But it forfeits when you close your account. 

Citibank Cash Back Card is famous for its rebate feature. It is practical for your budget for food and transport. Plus, it is recognized both in Singapore and worldwide. 

Citi SMRT Card

Citibank Credit Card offers the Citi SMRT Card, which is the best for low-spenders. Enjoy the everyday rebate of 5% whenever you have a minimum spending of $500. 

Citi SMRT Card Cashback Benefits 

The rebate differs based on the category of your spending. 

  • 5% cashback on groceries, fast food, coffee, and movies
  • 3% cashback on online shopping
  • 2% cashback on health and wellness
  • Fuel savings of up to 14% at Esso and Shell
  • 7.3% for FairOrice Xtra Kallang Wave

In addition, Citi SMRT has an EZ-Reload functionality. It is very convenient for individuals who commute every day. And it has a 2% rebate on Auto Top-Ups. 

Be advised that rebates are limited to selected merchants only. Also, the capped rebate is $600 annually.

Spending Requirement

The credit card does not require a minimum amount of spending to access the rates. 

Citi SMRT Card Fee

The annual fee gets waived for two years but costs $192.60 in the succeeding year. 

Eligibility Requirements

Singaporeans and Permanent Residents must have an annual income of $30,000. Foreigners must earn $42,000 annually. 

Citi SMRT Card Rebate Program

SMRT is the rebate earnings. 1 SMRT rebate is equivalent to $1 in value.

If a supplementary card earns it, it goes directly to the principal account. You can redeem your SMRT either in cash rebate or via a shopping voucher. Cash rebates require five units, while ten units for a coupon. 

Be mindful that the validity of SMRT is up to 15 months. It is based on the qualifying period since earned. Meanwhile, reward vouchers are valid only three months from the issuing date. 

Most importantly, Citi SMRT Card is an easy way to earn cashback while spending on daily necessities. 

Citi PremierMiles

Citi Premier Miles is the best miles credit card for average consumers. It earns miles and lets you enjoy perks most affordably. Also, it is suitable for people who travel often. 

Citi PremierMiles Rewards Rate

Cardholders earn miles based on the following spending. 

  • 1.2 miles for every $1 local spend 
  • 2 miles for overseas
  • As much as 10 miles with selected travel booking sites
  • 4 miles for $1 spending on food delivery and home entertainment
  • New card members receive a welcome gift of 45,000 Citi Miles. 

On top of that, Citi PrimierMiles holders have travel insurance and two complimentary airport lounge visits every year. It even has an additional bonus of 10,000 renewal miles yearly, worth $100. 

Citi PremierMiles Fee

The annual fee is for one year but costs $192.60 in the succeeding year. 

Eligibility Requirements

Singaporeans and Permanent Residents must have an annual income of $30,000. Foreigners must earn $42,000 annually. 

Citi PremierMiles Program

1 Citi Mile is equivalent to 1 mile redeemed. Miles accumulated in Citibank Credit Card never expire. Mile redemption is always in multiples of 2 miles. It means minimum blocks of 500 and a maximum of 100k mi/day. Also, it has flexible redeeming options. Use your earned miles in over 60 airlines and 8,000 hotels. Remember that you’ll pay an administrative fee of $25 for every redemption. 

Citi PremierMiles Care stands out for its excellent miles earning. Plus, you enjoy the various travel perks without the trouble of paying a substantial annual fee.

Citi Prestige Card

Citi Prestige Card is the top choice for luxury travel perks. It is ideal for individuals with higher budgets. 

Citi Prestige Card Rewards Rate

Cardholders enjoy spending more since they earn the following miles. 

  • 1.3 miles for every $1 local spend 
  • 2 miles for overseas
  • 4 miles for $1 spending on food delivery and home entertainment
  • New card members receive a welcome gift of 45,000 Citi Miles. 

Citi Prestige cardholders have unlimited lounge access, travel insurance, and free hotel nights. Also, it has an annual 25,000 renewal miles worth $250. 

On top of that, the credit card had an annual Citi relationship bonus of 15%-30%. 

Citi Prestige Card Fee

The annual fee is $535. Take note that this credit card has no waiver. 

Eligibility Requirements

Singaporeans and Permanent Residents must have an annual income of $120,000. Foreigners must earn $120,000 annually. 

Citi Prestige Miles Program

Citi Prestige points are called Citi ThankYou Points. Every 2.5 points is equivalent to 1 mile. The points are transferable to any participating loyalty program. And should transfer it in blocks of 10,000 points. 

Citi ThankYou Points are redeemable in selected merchants, cash rewards, or even miles. Every redemption, transfer, or miles requires payment of an administrative fee of $25. 

Miles earned in Citibank Credit Card never expire. However, keep in mind that points or miles are forfeited when you terminate your credit card. Thus, the Citi Prestige Card is the Citibank Credit Card designed for your travel with luxurious benefits. 

Citi Rewards Card

Citi Rewards Card is the most refined shopping Citibank Credit Card for miles. It is beneficial for online and offline shoppers and frequent travellers. 

Citi Rewards Card Rewards Rate

Cardholders can avail points based on the following spending.

  • 4 miles or 10 points for every $1 fashion retail spend 
  • 4 miles or 10 points for every $1 online spend, including food delivery and ride-hailing services
  • 0.4 miles or 1 point for all other retail spending 

Citi Rewards cardholders have the privilege of free travel insurance. 

Citi Rewards Card Fee

The annual fee gets waived for one year but costs $192.60 in the succeeding year. 

Eligibility Requirement

Singaporeans and Permanent Residents must have an annual income of $30,000. Foreigners must earn $42,000 annually. 

Citi Rewards Card Miles Program

The validity of Citi Rewards points is five years. Check the point balance on your monthly statement. 

Every 25,000 points is equivalent to 10,000 miles. 

Citi Rewards points are redeemable in selected merchants, cash rewards, or even miles. Every redemption transfer or mile has an administrative fee of $25.  

Miles earned in Citibank Credit Card never expire. However, keep in mind that points or miles are forfeited when you terminate your credit card. 

Citi Rewards Card is enjoyable for keeping up with the latest fashion trends. Maximize your purchases by earning rewards with this Citibank Credit Card. 

Citibank indeed aimed to give the best credit card services. It has a designated card for every expense you need. Not only that, Citibank Credit Card gives away various rewards that you’ll surely need. 

A Financial Backup For Non-credit Account Holders

Having a credit card can help make your purchasing experience convenient. At the same time, it can help you manage your finances. Yet, credit cards aren’t for everybody. Some might fail to qualify for cards, and some fear getting one. 

Needing money for backup without credit cards isn’t a problem. In situations of emergencies, you can rely on trusted moneylenders in Singapore. 

Money lending institutions are the best alternatives when you need an instant cash loan for urgent matters. You can seek financial help from Cash Mart Singapore if you need extra money. 

Cash Mart is an established legal money lender in Singapore, operated since 1969. The company abides by the Ministry of Law Singapore. With its reputation earned for years, Cash Mart is now on the top list of licensed moneylenders. Until today, the company has upheld its reputation of honesty, integrity, and excellence. 

Various Loan Products and Services

Cash Mart Singapore is recognizable for its low-interest Personal Loan. The product is proven to be the solution to any financial constraints. Whether you’re having an emergency money problem or planning to travel, the loan got you covered. 

Furthermore, Cash Mart offers Business Loans. It is a wise option when starting your own venture or dealing with business expansion. 

Aside from that, Cash Mart Singapore has a Payday Loan. It’s the most suitable loan to help you get by until your next paycheck. Use instant cash for utility bills or groceries. 

Most importantly, Cash Mart caters to the needs of ex-pats. The institution designed a Foreigner Loan to provide financial assistance to everyone. 

Fast Loan Application Process

Taking out quick cash from Cash Mart Singapore is easy. You don’t have to trouble yourself with the tedious process. You can begin your loan application wherever you are. 

Get verified minutes after you submit your application. Then, talk to the trusted loan executive and explain your current financial status. They will help you find the right solution to your problem. 

Also, the licensed moneylender is very transparent. Therefore, the Note of Contract is understandable and free from hidden charges. Sign it after reading. Then, receive your disbursed loan cash directly from the cashier. Keepsafe your receipt as proof of the quick process. 

Also, don’t forget to repay your fast cash loan diligently. Being a responsible borrower in Cash Mart helps you build your credit score in the long run. 

With this, you can undoubtedly believe that Cash Mart Singapore is your best financial backup. Whatever financial dilemma you’re facing, it has a suitable loan service. 

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