Citi Lazada Card: The Best Shopper Card for You?

Citi Lazada Card: The Best Shopper Card for You?

Top Miles for Lazada Loyalists & Rewards for Social Spend

Good for

  • Frequent Lazada online shoppers
  • Social spenders who wine & dine locally
  • People with a S$1k/month shopping budget

Bad for

  • Consumers looking for a no-fee credit card
  • People who shop with a variety of online brands
  • Travellers who often shop & spend overseas

Editor's Rating

4.5/5.0

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.

ProsCons
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 mi (5pts) on dining, transport & more
  • Shipping rebates & exclusive Lazada deals
  • Rewards capped at 4k mi (10k pts) per month
  • S$192.60 fee waived just 1 year
  • General spend earns 0.4 mi per S$1
Promotions:
  • Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
Card Overview
Pros:
  • 4 mi (10pts) per S$1 spend on Lazada
  • 2 miles (5pts) on dining, transport & more
  • Shipping rebates & exclusive Lazada deals
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
Cons:
  • Rewards capped at 4k miles (10k pts) per month
  • S$192.60 fee waived just 1 year
  • General spend earns 0.4 miles per S$1

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 CardOnline RewardsOffline RewardsMo. Cap
HSBC Revolution
  • 2.0 miles per S$1,
  • all online spend
  • 2.0 miles per S$1, local
  • dining & entertainment
Unlimited
Citi Rewards
  • 4.0 miles per S$1,
  • all online spend
  • 4.0 miles per S$1, local
  • & overseas fashion retail
4,000 miles
Citi Lazada
  • 4.0 miles per S$1,
  • Lazada orders
  • 2.0 miles per S$1, local dining,
  • entertainment, travel, commute
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 Credit Card's Features and Benefits:

Card Overview
  • Annual Fee: S$192.6, Waived for 1 year
  • Income Requirement: S$30,000 for locals, S$42,000 for foreigners
Rewards Rate Details
  • 4 miles (10pts) per S$1 spend on Lazada
  • 2 miles (5pts) per S$1 spend on local dining & entertainment (inc. Netflix & Spotify)
  • 2 miles (5pts) per S$1 spend on travel & transport (inc. Grab & Gojek)
  • 0.4 miles (1pt) per S$1 general spend
Benefits & Perks
  • S$1.99 shipping rebate on S$50+ Lazada orders (max 4x/mo)
  • Exclusive offers & discounts with Lazada year-round
  • Free travel insurance
Promotions:
  • Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo

Citi Lazada Card's Rewards Exclusions

The following credit card expenditures are ineligible for rewards.

Annual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions (remote stored value load, money transfers, truck stop transactions), wire transfer money orders (WTMOs), foreign currency money orders, travelers cheques, debt repayment, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank)
Funds transfers using the card as source of funds, bill payments (including via Citibank Online or via any other channel or agent); any top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts; all transit-related transactions; any stored value card purchase/reload; utilities (electric, gas, water, sanitary); payment to merchants including (but not limited to) AXS, Banc de Binary, BUS/MRT, EZ-Link, MoneyBookers, OANDA, PayPal, SAM, Saxo Cap Markets, Skrill, SKR, SkyFX, TL-ABT, Transitlink, Youtrip
Member financial institutions (merchandise & services); securities brokers & dealers; insurance sales, underwriting and premiums/direct marketing insurance services; gambling and betting (lottery tickets, casino gambling chips, off-track betting, wagers at race tracks & more); education (schools, elementary and secondary colleges, universities, professional schools and junior colleges/schools, correspondence schools, business and secretarial schools, trade and vocational schools, any other educational services); charitable/religious organizations; political organisations; court costs including alimony & child support; fines; bail bond payments; tax payments; government services (including postal services) & intra-government purchases
Nondurable goods (not elsewhere classified); quasi-cash merchants; real estate agents & managers; cleaning, maintenance & janitorial services; automobile parking lots & garages; cigar stores and stands

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.

Graph showing some of Singapore’s best shopping credit cards in terms of value-to-consumer after two years, based on an average monthly spend of S$2,000
Citi Lazada Card v. Citi Rewards Card
  • Annual Fee: S$192.6
  • Stand-Out: Up to 4 miles per S$1 for fashion & online spend
  • Promotion: Free S$300 cash via PayNow (new customers) via our partnership with SGSaver
  • Read Our Full Review
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.


Nonetheless, non-fashion offline spend earns just 0.4 miles per S$1, making Citi Rewards Card less of a match for local social spenders. Earnings are also capped at 4,000 miles (10k pts) per month, and the annual fee of S$192.6 is waived just 1 year.

Citi Lazada Card v. OCBC Titanium Card
  • Annual Fee: S$192.6
  • Stand-Out: 4 miles per S$1 on fashion & select retail
  • Promotion: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Read Our Full Review
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
  • Annual Fee: S$160.5
  • Stand-Out: 2 miles per S$1 local dining, entertainment & online
  • Promotion: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Read Our Full Review
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
  • Annual Fee: S$192.6
  • Stand-Out: 4 miles per S$1 for online shopping
  • Promotion: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Read Our Full Review
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.


Nonetheless, DBS Woman's World Card is better fit for higher spenders than Citi Lazada Card. Consumers must earn S$80k+ in annual salary to even qualify, and spend about S$2.1k/month to qualify for the fee-waiver. Rewards are also more limited, with elevated rates applying only to online spend. Ultimately, those with smaller shopping budgets who primarily shop on Lazada may prefer Citi Lazada Card.

Citi Lazada Card v. Citi Rewards Card
  • Annual Fee: S$192.6
  • Stand-Out: Up to 4 miles per S$1 for fashion & online spend
  • Promotion: Free S$300 cash via PayNow (new customers) via our partnership with SGSaver
  • Read Our Full Review
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 general retail. Cardholders also earn 4 miles per S$1 on fashion spend both online & offline, plus discounts with brands like Shopee and Zalora.


Nonetheless, non-fashion offline spend earns just 0.4 miles per S$1, making Citi Rewards Card less of a match for local social spenders. Earnings are also capped at 4,000 miles (10k pts) per month, and the annual fee of S$192.6 is waived just 1 year.

Citi Lazada Card v. OCBC Titanium Card
  • Annual Fee: S$192.6
  • Stand-Out: 4 miles per S$1 on fashion & select retail
  • Promotion: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Read Our Full Review
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
  • Annual Fee: S$160.5
  • Stand-Out: 2 miles per S$1 local dining, entertainment & online
  • Promotion: Receive Samsonite Prestige 69cm Spinner Exp luggage or S$150 cashback
  • Read Our Full Review
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
  • Annual Fee: S$192.6
  • Stand-Out: 4 miles per S$1 for online shopping
  • Promotion: S$220 cashback w/ promo code "SHOP220" via our partnership with SGSaver
  • Read Our Full Review
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.


Nonetheless, DBS Woman's World Card is better fit for higher spenders than Citi Lazada Card. Consumers must earn S$80k+ in annual salary to even qualify, and spend about S$2.1k/month to qualify for the fee-waiver. Rewards are also more limited, with elevated rates applying only to online spend. Ultimately, those with smaller shopping budgets who primarily shop on Lazada may prefer Citi Lazada Card.

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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