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Citi Rewards Card: Best Miles Card for Online & Shopping

Best Shopping Credit Card for Miles
PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow

Citi Rewards Card: Best Miles Card for Online & Shopping

Best Shopping Credit Card for Miles


ValueChampion Rating ValueChampion Icon



  • Great for online & offline shopping
  • Beneficial for frequent travellers


  • Less valuable for infrequent shoppers
  • Foreign transaction fees apply
PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow

If you enjoy shopping to keep up with the latest fashion trends and often spend online, Citi Rewards Card offers the best way to maximise rewards for your purchases. Cardholders earn 4 miles per S$1 spend on fashion retail, as well as on nearly all online shopping (excluding travel & mobile pay). Both local and overseas spend are rewards-eligible, making Citi Rewards Card one of the most versatile shopping cards on the market. In fact, no competitor offers such high rates for both fashion and online purchases. Additional perks include free travel insurance and access to Citi World Privileges’ dining & lifestyle discounts. Overall, if you want flexible rewards for online and fashion spend, you may want to consider Citi Rewards Card.

Citi Rewards Card Features and Benefits

  • Annual Fee: S$192.60, Waived for 1 year
  • Income Requirement: S$30,000 for citizens & PRs, S$42,000 for foreigners
Key Features:
  • Annual fee: S$192.60 (first year- waived)
  • 4 miles (10pts) per S$1 fashion retail spend
  • 4 miles (10pts) per S$1 online (inc. food delivery & ride-hailing services)
  • 0.4 miles (1pt) on all other retail spend
  • Free travel insurance
  • Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 cash via PayNow upon activating and spending a min. of S$500 within 30 days of card approval. Promotion valid from 14 January 2022 to 30 January 2022
  • Existing cardmembers will receive S$30 cash via PayNow with no minimum spend.

What Makes Citi Rewards Card Stand Out

Citi Rewards Card is an extraordinary option for frequent fashion shoppers who also enjoy making purchases online. In fact, it’s the only shopper card offering high, flexible rates for both fashion and online spend. Cardholders earn 4 miles per S$1 on clothing, bags, shoes (& more) both locally and overseas, which makes it easy to earn wherever you are. Even more, this same rate applies to nearly all online transactions (excluding travel bookings and mobile wallet pay).

Competitor cards aren’t nearly as flexible. Some, like DBS Woman's World Card, prioritize online spend while minimizing rewards for offline fashion. OCBC Titanium Rewards Card, on the other end of the spectrum, rewards all kinds of fashion spend, but limits online rewards to specific merchants. Citi Rewards Card stands out for top miles rates for both online and fashion spend.

Spend & DetailsCiti RewardsDBS Woman’s WorldOCBC Titanium
Online–General Spend4.0mi/S$14.0mi/S$10.4mi/S$1 *
Offline–Fashion Spend4.0mi/S$10.4mi/S$14.0mi/S$1
Monthly Rewards Cap4,000mi8,000mi4,000mi
Fee-Waiver OptionN/AYESYES
* OCBC Titanium Card rewards 4 miles per S$1 non-fashion spend with select vendors only

It’s worth mentioning, however, that Citi Rewards Card has a few drawbacks. General spend earns just 0.4 miles per S$1 spend, which means the card is less valuable for infrequent shoppers. On the other hand, monthly rewards are capped at 4,000 miles, which has a relatively low S$40 value-to-consumer. Higher fashion & online spenders may feel limited by this cap. Finally, the S$192.6 fee is waived just the 1st year, and is ineligible for a waiver after that. Those hoping to avoid an annual fee may prefer alternative shopper cards.

Nonetheless, Citi Rewards Cardholders enjoy added perks like free travel insurance, access to Citi World Privileges, and up to 14% fuel savings with Shell and Esso. Cardholders can also earn rewards for paying their taxes, rent, condominium management fees, school fees, and electricity bills through Citi PayAll (though there's a 1-5–2% fee for this service). These benefits significantly extend the card's benefits. Ultimately, Citi Rewards Card is the best shopper card on the market if you frequently spend both online and on fashion.

How Does Citi Rewards Card's Rewards Program Work?

Use our quick guide below to learn how you can actually redeem Citi Rewards Card's rewards.

  • Citi Rewards points are valid for 5 years
  • Points balance appears on cardholder's monthly statement
  • 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 Rewards Card's Rewards Exclusions

The following credit card expenditures are ineligible for cash back or rebate.

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 the Citi Rewards Card Compare Against Other Cards?

PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow
Consider this if you want to earn miles for fashion and online spend
  • Pros
    • Great for online & offline shopping
    • Beneficial for frequent travellers
    • Cons
      • Less valuable for infrequent shoppers
      • Foreign transaction fees apply

      Read our comparisons of Citi Rewards 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 Rewards Card is below the market average in terms of value-to-consumer after two years based on an average monthly spend of S$2,000, most likely because its benefits are focused around shopping

      Citi Rewards Card v. OCBC Titanium Rewards Card

      Consider this if you want to accrue miles from your shopping purchases
      • Pros
        • 10 pts (4 miles) per S$1 on fashion & select retail (Qoo10, Amazon, & more)
        • Fee waiver with S$10,000 annual spend
        • Lounge & JetQuay Quayside access
        • Up to 16% fuel savings with Caltex, 14% with Esso
        • Cons
          • 1 pt (0.4 miles) per S$1 other spend
          • Earnings capped at 4,000 mi/mo (worth S$40)

          OCBC Titanium Rewards Card offers an excellent way for frequent shoppers to earn miles from all purchases without paying an annual fee. As with Citi Rewards Card, fashion spend earns 4 miles per S$1 locally and overseas, online or offline. Cardholders also earn at this rate for spend with select retail merchants like Amazon, Shopee, Qoo10 and Lazada. This is different than Citi Rewards Card, which offers miles for online spend without merchant restrictions.

          Unlike Citi Rewards Card, however, OCBC Titanium offers a fee-waiver. Cardholders are exempt from the S$192.6 fee with just S$10,000 annual spend. Cardholders also enjoy unique perks like access to airport lounges & JetQuay Quayside. Citi Reward Card’s offerings are a bit more limited. Overall, if you’re a frequent retail shopper looking for a no-fee miles card, OCBC Titanium Rewards may be a better option for you.

          Citi Rewards Card v. Citi PremierMiles Card

          Promotion: Receive Apple AirPods Pro (worth S$379) orNinja OP300 Multi Cooker (worth S$499) or S$350 cash via PayNow with a min. spend of S$500
          Consider this if you are looking for an affordable miles card with travel perks
          • Pros
            • Frequent traveler perks
            • Low fees
            • Flexible miles redemption
            • Cons
              • Lacks luxury perks
              • Not suitable for occasional travel

              Citi PremierMiles Card is a great card for consumers looking to earn miles from daily spend while also benefiting from frequent bonuses and promotions. The earn rate for miles with Citi PM is fairly standard with S$1 spend earning 1.2 Citi Miles for local transactions and 2 miles for overseas purchases. However, consumers receive added value through welcome gifts and travel perks. New cardholders might expect to earn 45,000 Citi miles after making their first annual payment and spend a minimum of S$9,000. Cardmembers also receive travel insurance and access to airport lounges worldwide. Travellers looking to earn miles on a diversified set of expenditure would benefit from Citi PremierMiles Card. Consumers who are interested in earning miles but spend primarily on shopping would benefit more so from Citi Rewards Card.

              Citi Rewards Card v. Citi Prestige MasterCard

              PROMO: Receive Apple AirPods Pro (worth S$379) or Ninja OP300 Multi Cooker (worth S$499) or S$350 Cash via PayNow with a min. spend of S$500
              Consider this if you want special travel perks like free hotel nights and unlimited lounge access
              • Pros
                • Great luxury benefits
                • Ideal for higher budgets
                • Great golfing and travel perks
                • Cons
                  • Very high annual fees
                  • Unsuitable for moderate budgets

                  Citi Prestige MasterCard is best fit for affluent consumers–especially Citibank customers with Citigold status–who seek luxury travel perks to go along with high rates for miles earned. To begin with, Citi Prestige MasterCard is intended for affluent consumers. The annual fee is a substantial S$535 (non-waivable) and consumers must earn at least S$120,000 per year in order to qualify. However, for those who meet these requirements and spend at least S$4k–S$5k per month, Citi Prestige MasterCard offers extravagant and worthwhile perks. For instance, cardholders receive unlimited airport lounge access, complimentary hotel and resort stays, complimentary limousine transfers, golf privileges, and more. In addition, Citigold status customers receive additional miles with every purchase. Those who prioritize travel benefits and are willing to pay for luxury privileges may be a fit for Citi Prestige MasterCard. Those who prioritize shopping in their spending and are willing to forego exclusive perks might consider Citi Rewards Card instead.

                  Citi Rewards Card v. OCBC Frank Card

                  Consider this if you want an online shopping card with an easy annual fee waiver
                  • Pros
                    • 6% rebate on online, mobile contactless, and FX spend
                    • Fee waiver with S$10,000 annual spend
                    • Cons
                      • 0.3% rebate on general purchases
                      • Annual fee after 2 years
                      • Capped cashback at S$75

                      OCBC Frank Card is a top-notch cashback option for young adults or lower spenders who frequently shop online and use mobile payment methods. OCBC Frank Card rewards expenditures in both of these areas with 6% cashback. While total cashback is capped S$60 total per month, the annual fee of S$80 is waived for the first two years (and in subsequent years for those who spend S$10,000 per year), making the card maintenance-free. Other benefits include a 5% entertainment rebate and 3% rebate on cardholders' first two NETS FlashPay Auto Top-Ups. In general, OCBC Frank Card is a great option for lower spending young adults who shop online, while Citi Rewards Card is a better fit for average to above average spending adults who shop through a variety of channels.

                      Citi Rewards Card v. Standard Chartered SingPost Spree Card

                      Consider this if you shop frequently from websites outside of Singapore
                      • Pros
                        • Great for monthly budgets below S$500
                        • Rewards overseas retailer shopping
                        • Cons
                          • Not suitable for monthly budgets of S$500+
                          • Lacks local shopping rewards

                          The Standard Chartered SingPost Spree Credit Card is a great cashback card for online shoppers who frequently buy from overseas vendors. With rebates up to 3% on all online spend in foreign currency and vPost spend, SC SingPost Spree offers great rewards potential for consumers who shop with overseas vendors through Amazon or Taobao. There's no minimum spend and the annual fee of S$192.60 is waived for two years, making the card easy and accessible. However, because of its limited rewards scope and a monthly cap of S$60, SC SingPost Spree would not be as beneficial to diversified spenders with a higher budget. Citi Rewards Card is a great fit for average to above average spenders who shop through a variety of channels.

                          Citi Rewards Card v. DBS Woman's World Card

                          DBS Woman's World Card
                          DBS Woman's World Card
                          Consider this if you need to make a large purchase that you can't immediately afford
                          • Pros
                            • 0% interest payment plans available
                            • Good rewards for online shopping
                            • Online purchase protection
                            • Cons
                              • Lacks travel perks
                              • Limited rewards categories

                              DBS Woman's World Card is a great shopping card for consumers who spend online and may need to pay back larger purchases in instalments. The card is similar to Citi Rewards Card in prioritizing shopping but focuses further on online purchases, awarding consumers 4 miles per every S$1 online spend. Earnings for overseas and general retail are relatively low at 1.2 miles per S$1 overseas and 0.4 miles per S$1 general local spend.

                              However, what makes DBS Woman's World Card stand out is its 0% interest free payment plan which offers flexible payments across 3, 6, 12, 18 or 24 months, with no processing fee for up to 12 months. Because of its savings potential in the way of interest, this benefit makes DBS Woman's World Card the best option for consumers who overspend, or prefer to pay for larger purchases over time. However, we should note that purchases made on the 0% instalment plan are ineligible for mile rewards. Citi Rewards Card is a better bet for consumers who shop overseas and offline, and who pay for purchases in one instalment.

                              Citi Rewards Card v. CIMB Visa Signature Card

                              Use our link to get the latest promotion from CIMB!
                              Consider this if you prefer a no-fee card and spend primarily on dining, groceries and online shopping
                              • Pros
                                • Rewards online shopping, groceries and beauty spend
                                • Rewards pet spend and cruises
                                • No annual fee credit card
                                • Cons
                                  • Lacks discounts on transport & petrol
                                  • Speciliazed spend
                                  • Doesn't fit frequent travellers

                                  For consumers looking to earn cashback on online shopping spend, CIMB Visa Signature Card is worth considering. This card has no annual fee and offers 10% cashback on online shopping after a minimum qualifying spend of S$800 per month, which is accessible to average spenders. In addition, CIMB Visa Signature also offers 10% cashback on beauty expenses, groceries, pet care and cruise bookings. Consumers looking to earn cashback without maintenance may want to consider CIMB Visa Signature. Consumers who primarily shop offline and prefer miles to cashback would be a better match for Citi Rewards Card.

                                  Zoryana Melesh

                                  Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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