Citi Rewards Card Review: Earn 4 Miles Per Dollar on Online Spending and more!

Looking for a rewarding credit card for your online spending? The Citi Rewards Card might be the perfect match! In this review, we’ll explore its features, advantages, and how you can earn 4 miles per dollar (mpd) on almost all online transactions. Don’t miss out on this essential card for miles chasers!


  1. Citi Rewards Card Benefits:
  • Earn 4 mpd on nearly all online spending, including purchases, ride-hailing, and GrabPay top-ups.
  • Pair with Amaze Card for 4 mpd on local and overseas transactions, both online and offline.
  • Enjoy the widest variety of transfer partners in Singapore for greater flexibility.
  1. Eligibility and Fees:
  • Income requirement: S$30,000 per annum. A secured version is available with a S$10,000 fixed deposit.
  • Annual fee: S$194.40 for principal cardholders (First year free) and S$97.20 for supplementary cards.
  • Annual fee waivers with regular spending, making it easy to save.
  1. Earning Miles with Citi Rewards Card:
  • Earn 1 ThankYou point for every S$1 spent in SGD or FCY (foreign currency).
  • Bonus spending category offers 10 ThankYou points per S$1 spent on specific transactions, capped at S$1,000 per statement month.
  1. Exclusive Blacklist System:
  • Benefit from a blacklist system, where almost all online transactions earn bonuses unless specifically blacklisted.
  • Transactions such as travel and in-app mobile wallet payments are excluded from earning 4 mpd.
  1. ThankYou®Points Expiry and Pooling:
  • Understand the ThankYou®points expiry, which is tied to card approval/renewal, not when points are earned.
  • Citibank does not pool points across different cards, so plan your transfers wisely.
  1. Wide Range of Transfer Partners:
  • Gain access to 12 airline and hotel programs, including British Airways Executive Club, Etihad Guest, and Turkish Miles&Smiles.
  • Enjoy a 5:2 ratio for points transfer, with a minimum transfer block of 10,000 miles.


The Citi Rewards Card is a top-notch choice for savvy miles chasers, offering unmatched benefits for online spending and a vast array of transfer partners. It is a powerful financial tool that opens doors to a world of benefits and privileges. With its generous rewards program, exclusive offers, and unparalleled features, this credit card stands out as a top choice for individuals seeking to maximize their rewards and elevate their lifestyle.

Unlock limitless benefits with the Citi Rewards Card and embark on a journey of unforgettable experiences and remarkable savings. Don’t miss out on this essential card for your miles collection and the opportunity to seize the financial freedom and advantages that come with being a Citi Rewards Cardmember. Apply now and start earning 4 mpd on your online transactions!

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