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Promotions

Get 20X Rewards Points with Apple Pay

20X Rewards Points per S$1 spent with your Citi card on Apple Pay
This promotion is exclusive of any other Citi 20X Rewards or Citi 10X Rewards promotions
Valid till 31 Jul 2018

Get S$120 Cashback

Cash back awarded in denominations of S$20 with minimum spend of S$200 each month
Valid for applicants who do not have an existing Citi Credit Card account

Key features

20X Rewards Points per S$1 spent on Apple Pay, excludes other promotional earn rates, valid till 31 Jul 2018
10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Rewards

Excellent

20X Rewards Points per S$1 spent on Apple Pay, excludes other promotional earn rates, valid till 31 Jul 2018
10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Shopping

Excellent

Supports selected Departmental, Retail & Online stores

20X Rewards Points per S$1 spent on Apple Pay, excludes other promotional earn rates, valid till 31 Jul 2018
10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Online Shopping

Excellent

Supports selected Online stores such as Foodpanda, Lazada, Zalora & Reebonz

20X Rewards Points per S$1 spent on Apple Pay, excludes other promotional earn rates, valid till 31 Jul 2018
10X Rewards (10 points or 4 Miles) for every S$1 spent on Shoes + Bags + Clothes at Online, Retail or Department stores, locally and overseas
Enjoy discounts of up to 50% at Foodpanda, Lazada, Zalora, Reebonz, and more
S$1 spent = 1 Rewards point (All other spend)

Petrol

Very Good

Best for: Petrol transactions at Esso & Shell

14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
14% discount at Shell stations - 5% Shell site discount + 5% Shell Escape discount + 4% Citi Rebate (applies after Shell discount)
S$1 spent = 1 Rewards point (All other spend)

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	First year fee waived for Principal and two (2) Supplementary cards
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	1% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.80%
Foreign Check Fee	N.A.
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	$40

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$42,000

Other
Card Association	MasterCard, Visa
Wireless Payment	Master PayPass, Visa payWave, Samsung Pay, Citi Pay

Citi Rewards Card