If you always buy with Lazada when you shop online and want rewards for your social spend on a day-to-day basis, look no further than Citi Lazada Card. Cardholders earn 4 miles (10pts) per S$1 spend on Lazada, plus shipping rebates on orders above S$50 and exclusive offers & discounts. Beyond online spend, consumers also earn 2 miles (5pts) per S$1 spend on local dining, entertainment, travel & transport (including Grab & Gojek). With just S$1k spend, it's possible to max out the 4,000 miles (10k pts) monthly cap on rewards. As a result, Citi Lazada card is perfect for frequent shoppers & social spenders with a budget of about S$1k/month.
Citi Lazada Card Features and Benefits
What Makes Citi Lazada Credit Card Stand Out
There's no doubt that Citi Lazada is the best miles-earning credit card for Lazada loyalists on the market–especially for those who are also social spenders. Cardholders earn 4 miles (10pts) per S$1 spend on Lazada, which is one of the highest online rates on the market. Even more, orders of S$50+ are eligible for a S$1.99 shipping rebate (up to 4x/month) and cardholders have access to exclusive Lazada offers & discounts year-round.
When not shopping online, cardholders can still easily earn rewards. In fact, consumers earn 2 miles per S$1 spend on local dining, entertainment (including Netflix & Spotify), travel and transport (including Grab & Gojek). For this reason, Citi Lazada card is more flexible than many other shopping cards. It offers a wider variety of offline rewards categories than both HSBC Revolution and Citi Rewards Card, and its online rewards are also quite expansive considering Lazada offers everything from fashion & electronics to appliances & pet supplies.
Comparison Between Select Online & Shopping Credit Cards
|Credit Card||Online Rewards||Offline Rewards||Mo. Cap|
|Citi Rewards||4,000 miles|
|Citi Lazada||4,000 miles|
Nonetheless, Citi Lazada Card does have an earnings cap. Cardholders can earn up to 4,000 miles (10,000pts) per month, which is equivalent to about S$40 in value-to-consumer. While this aligns with many of its close competitors, some alternatives–like HSBC Revolution Card–do not cap earnings at all. It's also worth mentioning that Citi Lazada Card has a S$192.6 annual fee, which is waived for just 1 year. Many other shopping cards offer consumers the chance to earn continuous fee waivers by reaching a yearly minimum spend.
Even still, Citi Lazada Card is an excellent option for online shoppers who favour Lazada, especially those who want to use their credit card offline as well. With just S$1,000 monthly spend, Lazada loyalists can max out monthly rewards and ultimately, earn up to S$480 in rewards value per year. For social & online spenders with a monthly shopping budget of S$1k, Citi Lazada Card may just be the best option on the market.
How Does Citi Lazada Card's Rebate Program Work?
Use our quick guide below to learn how you can redeem Citi Lazada Card's rewards.
- Citi Rewards points are valid for 3 years
- Rewards points cannot be used to offset credit card's minimum payment
- Points can be redeemed for merchandise, vouchers, cash rebates or miles
- Miles conversion rate is 25,000 points to 10,000 miles with loyalty program affiliate
- There is an administrative fee of S$25 per point transfer
Citi Lazada Card's Rewards Exclusions
The following credit card expenditures are ineligible for rewards.
How does Citi Lazada Card Compare Against Other Cards?
Read our comparisons of Citi Lazada Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.
|Citi Lazada Card v. Citi Rewards Card|
|At first, Citi Rewards Card may seem quite similar to Citi Lazada Card–however, Citi Rewards Card's strength lies in its comprehensive online rewards, as opposed to miles for loyalty spend. Cardholders earn 4 miles (10pts) per S$1 spend online, including on online food & grocery delivery, Grab bookings and other retail. Cardholders also earn 4 miles per S$1 on fashion spend both online & offline, plus discounts with brands and companies like Shopee and Zalora.
|Citi Lazada Card v. OCBC Titanium Card|
|If you want a no-fee shopping card that rewards spend with a variety of merchants, you may want to consider OCBC Titanium Rewards Card. Cardholders earn 4 miles (10pts) per S$1 spend on fashion as well as with retailers like Amazon, Qoo10, IKEA & more. Like Citi Lazada Card, earnings are capped at 4,000 miles (10k pts) per month, which translates to about S$40 value-to-consumer. However, OCBC Titanium Card allows consumers to earn a fee waiver with just S$10k annual spend (about S$833/month). Therefore, shoppers with S$1k monthly shopping spend can both max out rewards earnings while also avoiding paying an annual fee.|
|Citi Lazada Card v. HSBC Revolution Card|
|If you're a local social spender and shop online for more than retail, consider Citi Rewards Card. Cardholders not only earn 2 miles per S$1 spend on local dining & entertainment, they also earn 2 miles per S$1 for all spend online, including for bookings and bill-pay. There's no minimum spend requirement to begin earning, and no cap on monthly earnings. Even better, consumers can earn a fee-waiver by spending just S$12.5k annually. As a result, HSBC Revolution Card is better for shoppers who have broader online spend and who want to earn miles without worrying about added costs.|
|Citi Lazada Card v. DBS Woman's World MasterCard|
|For big shoppers who spend about S$2.1k/month online, DBS Woman's World MasterCard may be the perfect fit. Cardholders earn 4 miles per S$1 online spend, up to 8,000 miles a month–double the cap imposed by Citi Lazada Card. Additionally, consumers earn 1.2 miles per S$1 overseas, which is higher than the 0.4 miles offered by competitors. Larger transactions can easily be split into payments across up to 24 months with DBS's 0% interest, no-processing fee instalment plan. And finally, the S$192.6 fee is waived with S$25k annual spend.