Citi Rewards Card Singapore Guide: Benefits & Points

If you love shopping, dining and making online purchases, the Citi Rewards Card can be an interesting option to consider.

The card lets you earn up to 10X Citi ThankYou Points on eligible spending, making it particularly useful for shoppers who want to turn their everyday purchases into rewards.

In this guide, we will cover how the Citi Rewards Card works, how to earn points, what purchases qualify for 10X Points, how to redeem your points and things to check before applying.

Citi Rewards Card at a Glance

The Citi Rewards Card is a popular choice for Singaporeans who want to earn more rewards from everyday shopping. Cardholders can earn up to 10X Citi ThankYou Points on eligible online purchases and in-store shopping, making it especially useful for regular shoppers.

The points can be redeemed for miles, vouchers and other rewards, giving you more flexibility when using your card. With its shopping rewards and lifestyle privileges, the Citi Rewards Card can be a useful option if you want to turn your everyday spending into rewards.

Citibank currently states that Citi Rewards Card points are valid for 60 months from the card approval date.

Citi Rewards Card Benefits

The Citi Rewards Card is designed for shoppers who want to earn more points from everyday spending. Its main highlight is 10X Citi ThankYou Points on eligible online purchases and in-store shopping, while other eligible purchases earn 1X Point.

Earning Rewards Points: Online Shopping and Everyday Purchases

You can earn 10X Points on eligible online purchases, including online grocery shopping, food delivery and ride-hailing. Eligible in-store shopping, such as department stores and clothing stores, can also earn 10X Points.

Other eligible purchases earn 1X Point. The 10X Points component is capped at 10,000 Points per statement month, so keep track of your spending if you want to maximise the bonus rate.

Travel Perks and Benefits for Frequent Travellers

The Citi Rewards Card is useful for travellers who want to redeem points for miles. However, travel-related transactions are excluded from the 10X online category, so flights and hotel bookings do not automatically earn the bonus rate.

The card's complimentary travel insurance benefit also ended on 31 March 2026, and complimentary airport lounge access is not currently listed as a core benefit.

For your next trip, you can compare flights, hotels and attractions on Trip.com and combine available travel deals with your card rewards.

Shopping and Lifestyle Rewards

Shopping is where the card stands out. Eligible purchases at retailers such as department stores and clothing stores can earn 10X Points.

Cardholders can also access selected dining, shopping and lifestyle offers through Citi's partner privileges. Offers and participating merchants may change, so check the latest promotions before spending.

How to Earn Citi Rewards Card Points

The biggest attraction of the Citi Rewards Card is its higher rewards rate on selected spending categories.

Earn 10X Points on Eligible Online Purchases

You can earn 10X Points on eligible online purchases, including categories such as online grocery shopping, food delivery and ride-hailing. However, mobile wallet and travel-related transactions are excluded from the 10X online category. 

Earn 10X Points on Eligible Shopping

The card also offers 10X Points for eligible in-store shopping purchases, including department stores and clothing stores. 

Earn 1X Point on Other Spending

Purchases that do not qualify for the 10X category generally earn 1X Point. It is important to check Citibank's latest exclusions before making a purchase specifically to earn rewards.

10X Points Monthly Cap

There is an important limit to keep in mind.

The 10X Rewards component is capped at 10,000 Points per statement month. This means you should not assume that every dollar spent will continue earning the bonus rate once you have reached the monthly cap. 

For travellers and frequent shoppers, this makes it useful to plan your spending around eligible categories rather than simply using the card for every purchase.

How to Redeem Citi Rewards Points

Your Citi ThankYou Points can be redeemed in several ways, including miles, vouchers and merchandise.

Convert Points to Miles

If your goal is to use your credit card rewards for travel, Citi allows eligible cardmembers to transfer points to participating travel loyalty programmes. Citibank currently states that a S$27.25 administrative fee, inclusive of GST, applies to each Points Transfer, although the fee is waived for Instant Points Transfer.

Use Points for Travel

Citi Rewards Cardmembers are also eligible for Pay with Points. Citibank currently advertises a 25% travel redemption promotion for eligible cards, including Citi Rewards, for selected travel bookings. 

Always check the latest promotion terms before making a redemption because the eligible transactions and promotional rates can change. 

Eligible travel bookings can include areas such as:

• Flights
• Hotels
• Car rentals
• Attractions
• Tour packages

Citi Rewards Card Points Expiry

Citi Rewards Points are valid for 60 months from the card approval date. Once the validity period ends, unused points may expire, so it is important to keep track of your balance and redemption dates.

Tips to Avoid Losing Your Citi Rewards Points

• Check your points regularly through the Citi app or online banking.
• Set a reminder before your points reach their expiry date.
• Redeem points early for miles, vouchers or other available rewards.
• If you are saving points for travel, plan your redemption ahead of time rather than waiting until the last minute.

Things to Check Before Using the Citi Rewards Card

While 10X Points can sound attractive, not every transaction qualifies.

Some categories are excluded from earning rewards, including certain financial transactions, government-related payments, utilities and other specified merchant categories. Citibank's exclusion list can also be updated, so it is worth checking the latest terms before making a large purchase.

The card's 10X online rewards also exclude travel-related transactions and mobile wallet transactions under the current card information.

Is the Citi Rewards Card Worth It?

The Citi Rewards Card may be worth considering if you regularly spend on eligible online purchases and shopping and want to collect Citi ThankYou Points.

It can be especially useful for shoppers who understand the eligible spending categories and plan their purchases around the monthly 10X Points cap.

However, it may not be the best fit if most of your spending falls outside the eligible 10X categories. Before applying, compare the card's rewards structure, fees, exclusions and your usual spending habits.

Tips to Maximise Your Citi Rewards Card

• Prioritise eligible 10X spending instead of using the card for every transaction.
• Keep track of the 10,000-point monthly cap.
• Check whether an online purchase is classified as an eligible transaction.
• Do not assume travel spending earns 10X Points.
• Check Citibank's latest rewards exclusion list before making large purchases.
• Consider transferring points to miles if you are saving rewards for travel.
• Check current promotions before redeeming your points.

Final Takeaway

The Citi Rewards Card can be a useful choice for Singaporeans who spend regularly on eligible online purchases and shopping. Its 10X Points structure gives you the opportunity to build up rewards faster, but understanding the monthly cap and excluded transactions is just as important as knowing the headline rewards rate.

For travellers, the ability to redeem points towards travel or transfer eligible points to participating loyalty programmes can add another layer of value.