Best Citibank Credit Cards 2019

Here, we have reviewed and compared Citibank's best credit cards that have distinct and disparate strengths to appeal to different individuals. No card is perfect, but we think these cards could be highly valuable to most Singaporeans who want to earn rewards and save on daily expenditures.

Best Citibank Credit CardsCard Features
Best for CashbackCiti Cash Back CardUp to 8% discount on food & petrol
Lower SpendersCiti SMRT CardEveryday rebates + EZ-Link, no min. requirement
Best for MilesCiti PremierMiles VisaUp to 21,000 welcome & 10,000 renewal miles
Luxury Travel PerksCiti Prestige CardUnltd. lounge access, bonus hotel nights & more
Miles for ShoppingCiti Rewards CardUp to 4 miles per S$ for fashion & online spend
Miles + Amex BenefitsCiti PremierMiles AmexMiles + Citi World Privileges & Amex Selects

Best Cashback Card for Food & Transport: Citi Cash Back Card

Consider this if you spend mostly on food and transportation

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

Citi Cash Back Card is an exceptional option if you spend a great deal of your budget on food and transport. In fact, cardholders can earn up to 8% cashback on dining, groceries, and petrol worldwide–one of the higher rates on the market. Even better, you can earn up to S$75/month, or S$900/year, just for spending in these key categories.

It’s worth mentioning that there’s a S$888 minimum spend requirement to access these rates. However, this is fairly reasonable as the average consumer spends almost half of their monthly budget on food & transport. Additionally, the S$192.6 fee is waived the 1st year, so you can earn easily without having to worry about immediate card costs. Overall, Citi Cash Back Card is the best option if you’re seeking rebates on food & transport spend.

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  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, and petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on dining, grocery, and petrol (any station)
  • Up to 20.88% fuel savings at Esso & Shell

Best Rebates + EZ-Link for Low Spenders: Citi SMRT Card

Consider this if you want to earn cashback on your daily commute on public transit

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

If you have a low or variable budget, but want consistent access to top rebate rates, consider Citi SMRT Card. Not only is this one of the few rebate cards on the market without a minimum spend requirement, it also offers respectable rates across a variety of categories–up to 7% on groceries, 5% on coffee, fast food & movies, 3% for online spend, and 2% for health & wellness. Rebates are mostly limited to select merchants, but these are quite popular (FairPrice, McDonald’s & Cathay Cineplexes to name a few).

Citi SMRT Card is also EZ-Link compatible, which is extremely convenient for young professionals with a commute. Even better, Auto Top-Ups earn 2% rebate; most credit cards exclude such transactions from their rewards programs. All-in-all, cardholders can earn up to S$50/month, and the S$192.6 fee is waived 2 years. This is great if you’re just starting out and won’t feel constricted by lower earnings caps; having no minimum requirement makes it easy to earn immediately, and the waived fee allows you to spend stress-free.

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  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, movies & coffee, 3% online, 2% on wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% rebate on groceries, 5% on fast food, moves & coffee, 3% online, 2% on wellness
  • EZ-Reload functionality with 2% rebate on Auto Top-Ups
  • Up to 14% fuel savings with Esso & Shell

Best for Affordable Miles & Perks: Citi PremierMiles Visa Card

Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Earn 26,500 miles after paying 1st annual fee & spending S$9k in 3mo
  • Alt: Earn 6,400 miles after paying 1st annual fee & spending S$3k in 3mo
  • Earn 1.5 miles/S$1 local spend w/ min. S$3k/mo spend

Citi PremierMiles Visa Card is the best travel card if you’re looking for affordable miles and travel perks. Cardholders earn a respectable 1.2 miles per S$1 locally and 2 miles overseas, which aligns with market standards. However, Citi PMV Card stands out because new cardmembers receive up to 21,000 welcome miles (worth S$210), plus 10,000 miles (worth S$100) with every annual card renewal. These bonuses easily offset the already reasonable S$192.6 fee. Most travel cards have fees of S$250+, and the closest competitor doesn’t offer bonus miles.

Citi PMV Card also stands out for offering luxury travel perks. Cardholders receive one of the most comprehensive free travel insurance plans on the market, with coverage for both personal accidents and overseas medical expenses (rather uncommon), as well as reimbursement for trip interruptions. In addition, cardmembers receive 2 free airport lounge visits/year, through Priority Pass. Few travel cards with such a low fee offer such high-end benefits. Overall, if you want to enjoy top rates and perks, without the massive annual fee, consider Citi PMV Card.

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  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 10,000 bonus annual renewal miles (worth S$100)
  • 1.2 miles per S$1 local spend, 2 miles overseas
  • 2 free lounge visits & free travel insurance
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Best for Luxury Travel Perks: Citi Prestige MasterCard

Consider this if you want special travel perks like free hotel nights and unlimited lounge access

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000
Promotions:
  • Welcome gift of 25,000 miles upon card approval
  • Earn up to 10 miles per S$1 spend on hotel bookings at Kaligo

Citi Prestige MasterCard is one of the absolute best travel cards on the market if you prioritise luxury perks & privileges. In terms of rewards, cardholders earn an impressive 1.3 miles per S$1 locally and 2 miles overseas. In addition, with each renewal, cardholders receive 25,000 bonus miles (worth S$250) plus up to 30% annual bonus based on length of relationship with Citibank. These rates and bonuses largely offset the admittedly high S$535 fee.

What really stands out, however, are Citi Prestige Card’s perks. Cardholders enjoy unlimited lounge access for themselves and a guest, worldwide. There are no minimum spend requirements to unlock this perk, and no extra costs for guests–competitor cards are not nearly as flexible. Additionally, cardmembers have free access to JetQuay, receive up to 8 free limo transfers per year, and enjoy bonus 4th nights at hotels. Finally, cardholders even receive 6 free green fees per year at 10 fairways, across 4 countries. Overall, Citi Prestige Card offers above-and-beyond value to travellers who place a premium on luxury perks.

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  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$535
  • 1.3 miles per S$1 local spend, 2 miles overseas
  • 25,000 annual renewal miles (worth S$250)
  • 15%-30% annual Citi relationship bonus
  • Unlimited lounge access, travel insurance, free hotel nights & more
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Miles Card for Online & Fashion: Citi Rewards Card

Consider this if you want to maximise miles rewards on shopping expenses

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Receive 30,000 bonus points (12,000 miles) with S$3,000 spend
  • Up to 10% off Shopee transactions
  • Up to 15% off at Zalora with S$100 spend

Citi Rewards Card is one of the most flexible shopping cards on the market if you primarily spend online & on fashion retail. Cardholders earn 10 points (4 miles) per S$1 spend on online transactions as well as on clothing, bags, shoes & more–both locally and overseas. This means you can earn rewards almost anywhere, and anyway, you make a fashion purchase. Even transactions at department stores are eligible for rewards; many cards exclude such purchases. Cardholders can earn up to 4,000 miles/month, and the S$192.6 fee is waived the 1st year. Ultimately, if you want an easy-to-use shopping card for your online & fashion spend, consider Citi Rewards Card.

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  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 1-year waiver
  • 4 miles (10pts) per S$1 fashion retail spend (local, overseas, online & offline)
  • 4 miles (10pts) per S$1 online transactions
  • Free travel insurance
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings with Esso & Shell

Best Miles Card for both Citi & Amex Benefits: Citi PremierMiles American Express Card

Citibank PremierMiles American Express Card
Citibank PremierMiles American Express Card

Consider this if you want to earn miles & enjoy both Citi and Amex benefits

Annual Income Requirement S$80,000
Foreigner Income Requirement S$80,000

You may want to consider Citi PremierMiles American Express Card if you frequently fly with Singapore Airlines and are interested in perks from both Citibank and American Express. Cardholders earn 1.3 miles per S$1 locally and 2 miles overseas & for purchases with SIA. SilkAir, and KrisShop. Cardholders also enjoy 15,000 annual renewal miles (worth S$150). There isn’t a welcome bonus, however, and the annual fee is a bit high at S$267.5 (waived 1 year).

Still, Citi PM Amex Card has a few notable perks. Cardholders enjoy free travel insurance and 2 free lounge visits/year. Overall, this card is fairly similar to Citi PMV Card, but with a higher fee. It’s main stand-out feature is that cardholders have access to deals and discounts through both Citi World Privileges and American Express Selects. If this is of special interest to you, you might consider Citi PM Amex Card. Otherwise, you may be more interested in Citi PMV Card.

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  • Annual fee: S$267.5, 1-year waiver
  • 15,000 bonus annual renewal miles (worth S$150)
  • 1.3 miles per S$1 local spend, 2 miles overseas & with SIA brands
  • 2 free lounge visits & free travel insurance
  • Citi World Privileges + American Express Selects
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell
  • Annual fee: S$267.5, 1-year waiver
  • 15,000 bonus annual renewal miles (worth S$150)
  • 1.3 miles per S$1 local spend, 2 miles overseas & with SIA brands
  • 2 free lounge visits & free travel insurance
  • Citi World Privileges + American Express Selects
  • Earn miles on taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
  • Up to 14% fuel savings at Esso & Shell

Best Miles Card for Students: Citi Clear Card

Citibank Clear Card
Citibank Clear Card

Consider this if you prefer earning miles to cashback

Annual Income Requirement N/A
Foreigner Income Requirement N/A
Promotions:
  • Receive S$20 cashback with S$50 spend within 1st month
  • Up to 10% off Shopee transactions

Citi Clear Card is one of the only options on the market that allows students to earn points/miles instead of cashback. Cardholders earn 1 point (0.4 miles) per S$1 spend, which is roughly equal to a 0.4% rebate. This is a higher rate than offered by several competitor cards. In addition, cardholders have access to dining programmes like Citi Gourmet Pleasures, which offers discounts on everything from online food delivery to sit-down meals at high-end restaurants. There are no minimum spend requirements and the S$29.96 fee is waived 1 year. For students who prefer miles to cashback, Citi Clear Card is worth considering.

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  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • Access to Gourmet Pleasures dining programme
  • Up to 14% fuel savings with Esso, Shell
  • Annual fee: S$29.96, 1-year waiver
  • 1 Pt (0.4 miles) per S$1 spend, no minimum requirement
  • S$500 credit limit
  • Access to Gourmet Pleasures dining programme
  • Up to 14% fuel savings with Esso, Shell

Summary of Best Citibank Credit Cards 2019

Below, we've prepared a summary of our picks for the best Citibank credit cards 2019.

CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Citi PrestigeLuxury Travel PerksS$535.0
Citi RewardsFashion ShoppingS$192.6
CardBest for...Annual Fee
Citi Cash BackFood & TransportS$192.6
Citi SMRTEZ-Link & Young ProfessionalsS$192.6
Citi PremierMiles VisaMiles for Avg SpendersS$192.6
Citi PrestigeLuxury Travel PerksS$535.0
Citi RewardsFashion ShoppingS$192.6

Similar Cards from Other Banks to Consider

Learn how the best Citi credit cards differ from similar offerings from other banks. We have analyzed each card carefully to highlight its strengths and weaknesses. Furthermore, we estimate the total dollar value of each card's rewards over 2 years by applying each card's unique set of rewards programs to an estimate of average monthly spend for consumers in Singapore. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget. There are also other "intangible" benefits like complimentary travel insurance and free access to airport lounges whose values are difficult to quantify but nevertheless incredibly valuable to some consumers.

A graph displaying how best Citibank credit cards compare to other cards in Singapore in terms of their rewards
Comparing Dollar Value of Best Citibank Cards with Similar Cards from Other Banks

Citi Cash Back Card vs CIMB Visa Signature Card

CIMB Visa Signature
CIMB Visa Signature

CIMB Visa Signature Card offers the highest rebate rate for food on the market–10% cashback on both dining and groceries worldwide. This rate also applies to online spend, making it an incredible versatile card. There is a S$600 minimum spend requirement, which is lower than many alternative cards’, and the earnings cap is a lofty S$100/month. Even better, there’s no annual fee.

While Citi Cash Back Card offers a slightly lower rate and has a slightly higher minimum spend requirement, it offers exceptional rates on transport that aren’t provided by CIMB Visa Signature Card. Cardholders earn 8% cashback on petrol and Grab worldwide–so wherever you go, you’ll earn just for getting from one place to another. If you spend a lot online and mostly commute via public transit, you might prefer CIMB Visa Signature Card, but if you drive or take Grab quite often, Citi Cash Back Card is a better option.

Citi SMRT Card vs OCBC 365 Card

OCBC 365 Card is an excellent option for average spenders looking for rebates on daily essentials. Cardholders earn up to 6% cashback on dining and 3% on groceries, transport, recurring bills and online travel. Even EZ-Link & Transitlink transactions are rewards eligible, though only at a 0.3% rate. There is a S$800 minimum spend requirement and cardholders can earn up to S$80/month. Finally, the S$192.6 fee is waived with S$10,000 annual spend.

Citi SMRT Card offers similar rebate rates–and in some cases, higher–but has no minimum spend requirement. While there are merchant restrictions, the card is far more accessible. However, higher spenders who can meet a higher minimum can also earn more with OCBC 365 Card, and even receive a fee-waiver. If you’re a lower or variable spender, you may prefer Citi SMRT Card, but if you’re shopping for a family, you may earn more with OCBC 365 Card.

Citi PremierMiles Visa Card vs DBS Altitude Visa Card

DBS Altitude Visa Card is fairly similar to Citi PMV Card. Both offer 1.2 miles per S$1 spend locally and 2 miles overseas, and both also have a S$192.6 annual fee. Both cards also offer 2 free lounge visits/year. These cards are differentiated in a few ways, however. DBS Altitude Cardholders can earn a fee-waiver with S$25,000 annual spend, and enjoy a few extra travel perks, like golfing privileges. Citi PMV Card, on the other hand, offers 10,000 bonus renewal miles and has a stronger free travel insurance plan. Overall, you may prefer Citi PMV Card if you want to earn extra bonus miles, or DBS Altitude Card if you want a fee-waiver.

Citi Prestige MasterCard vs Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Standard Chartered Visa Infinite Card has the highest overseas rewards rate on the market, at an astounding 3 miles per S$1 spend. Cardholders also earn an impressive 1.4 miles per S$1 locally, allowing for rapid miles accumulation. While there are no bonus renewal miles, there’s a 35,000 miles welcome bonus, and cardholders can also earn rewards for charging their income taxes.

SC Visa Infinite Card also offers top-notch luxury perks. Cardholders receive 6 free lounge visits/year, plus free travel insurance, Hertz Asia rental privileges, discounted green fees throughout SE Asia, and a free annual yacht hire. These perks are reflective in worth of the S$588.5 fee.

Citi Prestige Card has a similarly high fee, and it’s rates–while not equal–are still fairly high. Additionally, cardholders receive unlimited lounge access (vs. 6 visits) and free green fees (vs. discounted). Cardholders also receive bonus annual miles and extra perks like free hotel nights and limo transfers. If you’re looking for a wider range of luxury perks, Citi Prestige Card is a match for you.

Citi Rewards Card vs OCBC Titanium Rewards Card

Like Citi Rewards Card, OCBC Titanium Rewards Card offers 4 miles per S$1 spend on fashion retail online, offline, locally and overseas. OCBC Titanium Card, however, equally rewards spend with merchants like Amazon and Shopee, allowing you to earn for a broader range of purchases. In addition, cardholders can earn a fee-waiver with S$10,000 annual spend. If you have broader retail shopping habits and want a no-fee card, you might prefer OCBC Titanium Card.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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