Credit Card Compare

Citi Rewards Card

Data last updated 7 October 2026
27.90%
Purchase rate
S$0
Annual fee
40,000
Bonus points
Application

CardIQ

55Good

Good

Overall score, out of 100 · How this works

  • No annual fee42
  • Rewards67

Customer reviews

No reviews yet. Be the first to review the Citi Rewards Card.

Pros & cons

What's good

  • 40,000 bonus points to start, worth around S$240 at our 0.6c-per-point valuation.
  • No annual fee.
  • Earns 10 points per S$1 on bonus categories.
  • Up to 25 interest-free days on purchases, longer than most cards.

Worth noting

  • The annual fee increases from S$0 to S$196 in the second year.
  • The 27.9% p.a. purchase rate sits in the most expensive quarter of cards (the median is 27.8% p.a.) if you carry a balance.
  • Earns 1 point per S$1 on everyday spend, around the dataset average.
  • The 10-point rate on bonus categories applies only to the first S$1,000 spent each statement period, then drops to a lower rate.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Citi ThankYou Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
27.90% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
No annual fee
Annual fee (year 2+)
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
Greater of (a) 1% of the current balance plus 1% of unbilled instalments, all interest, instalment fees and late payment charges, or (b) S$50; plus any overdue amounts; a balance under S$50 is due in full

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 pt per S$1
Bonus categories
10 pts per S$1 in bonus categories, up to S$1,000 per statement period
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
60 months from the card approval date; each later period starts when the previous one ends

Sign-up bonus

Bonus spend required
S$800 qualifying spend within 2 months of account opening (new Citi main cardmembers; promotion valid to 31 March 2027)
Sign-up bonus
40,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days25 daysTied for best (1st of 8 cards)
Overseas fee3.25%Top 25% (2nd of 10 cards)
Annual feeS$196 a yearTop 25% (3rd of 10 cards)
Purchase rate27.90%Not as good as most cards (7th of 10 cards)
Rewards valueS$216 a yearNot as good as most cards (5th of 6 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
Citi