Best Citibank Credit Cards 2024

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 groceries and petrol, and 6% on dining worldwide–one of the higher rates on the market. Even better, you can earn up to S$80/month, or S$960/year, just for spending in these key categories.

It’s worth mentioning that there’s a S$800 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$194.40 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.

For high spenders with a budget of about S$7,000/month, Citi Cash Back+ Card is one of the cards that can maximise the rebates they can earn. Cardholders receive an unlimited rebate of 1.6% on all expenditures, with no minimum spend requirement or cap on rebate. Due to this no cap feature, Citi Cash Back Plus Card is ideal for consumers who are constrained by cards that may offer higher rate of rewards but with low limits. Also, while this card doesn't provide many extra perks or privileges, its rewards rate is also higher than the 1.5% offered by most comparable "unlimited cashback" cards, and the cashback earned does not expire.

If you have a low or variable budget, but want consistent access to top rebate rates, consider Citi SMRT Card. This card has one of the lowest minimum spend requirements – S$500, and it offers respectable rates across a variety of categories– 5% on online purchases, groceries, taxis and public transport rides (EZ-Link Auto Top-Up and SimplyGo transactions).

Citi SMRT Card is also EZ-Link compatible, which is extremely convenient for young professionals with a commute. Even better, Auto Top-Ups earn 5% 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$194.40 fee is waived 2 years. This is great if you’re just starting out and won’t feel constricted by lower earnings caps, and the waived fee allows you to spend stress-free.

Citi PremierMiles Card is the best travel card if you’re looking for affordable miles and travel perks. Cardholders earn 4 miles per S$1 on food delivery and home entertainment, 1.2 miles per S$1 locally and 2 miles overseas, which aligns with market standards. However, Citi PM Card stands out because new cardmembers receive 45,000 Citi Miles as a welcome gift for spending S$9,000 within 3 months of card approval. These bonuses easily offset the already reasonable S$192.60 fee. Most travel cards have fees of S$250+, and the closest competitor doesn’t offer bonus miles.

Citi PM 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 PremierMiles Card.

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 4 miles per S$1 spend on food delivery and entertainment, 1.3 miles per S$1 locally and 2 miles overseas. In addition, new cardmembers receive 25,000 Miles as a welcome gift for paying the S$535 annual 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.

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 purchases, shopping, rides (Grab, Gojek and more), online food delivery and groceries. As a result, it's rather easy for modern shoppers to earn rewards across a broad variety of spending categories. While the base rate of 0.4 miles per S$1 spend is uncapped, the bonus rate of 4 miles per S$1 is capped at 4,000 miles/month (or 10,000 Points). This amount can be reached with S$1,000 spend, making Citi Rewards Card a great option for those with a similarly-sized monthly shopping budget.

Citi Lazada Card is the best option on the market for frequent Lazada shoppers who also have a small-to-medium budget for social spend. Cardholders earn 4 miles (10pts) per S$1 spend with Lazada, 2 miles (5pts) on dining, travel, entertainment and commute as well as shipping rebates on Lazada on purchases of S$50+ (up to 4x/month). While this may not seem like a lot, it adds up to a potential 4% rebate on associated purchase. Consumers also have access to exclusive Lazada offers and discounts.

It's worth pointing out that rewards are capped at 4,000 miles (10,000pts) per month, which is equal to about S$40 value-to-consumer. This amount can easily be maxed out by a Lazada shopper spending S$1,000 online. As a result, Citi Lazada Card is best fit for online shoppers with a budget of about this amount, who make most of their retail purchases with Lazada. The S$192.60 annual fee is also waived for the first year.

As one of the most luxurious invite-only metal cards on the market, Citi Ultima credit card is ideal for high-spending travellers who enjoy golfing on their getaways. Cardholders–who must earn S$500k/year just to qualify–earn a fairly standard 1.6 miles per S$1 locally and 2 miles overseas, but receive an incredible 150,000 bonus miles (worth S$1.5k) every year with card renewal. This at least partially offsets the hefty S$4,160 annual fee.

What Citi Ultima Card truly offers cardholders, however, are luxury perks designed specifically for the wealthy traveller: unlimited lounge access for the principal and up to 2 supplementary cardholders, free meet & greet services and limo transfers with the purchase of first or business class air tickets, expedited immigration clearance, free bonus hotel nights and more. Golfers can particularly benefit from unlimited green fees at 21 courses across Asia and 3 free sessions for the principal cardholder worldwide. All in all, these exclusive privileges may validate Citi Ultima's high fee for high-earners who expect the epitome of luxury on their trips overseas.

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.

Citi M1 Credit Card is a great option for M1 customers looking to earn cashback and discounts on their M1 bills and purchases. Customers earn up to 10% rebate on their recurring M1 bills, 1% cashback on purchases at M1 shops and 0.3% cashback on all other retail transactions. The boosted rates only apply to monthly spend above S$600. In addition, customers get complimentary replacement of lost and damaged SIM cards, waiver of activation fees for data passport registration and buy now, pay later plan with no processing fees.

Another benefit of Citi M1 Card is that you can use your Citi M1 Rebate to offset your M1 bills, to convert them to KrisFlyer miles or to make purchases with points. The fact that this card's main appeal is its cashback on M1 spend is also its downside, since other spend earns a rather low 0.3% cashback, and additional perks given the market average S$192.60 annual fee, are rather limited.