Citi Rewards Visa Card: Best Miles Card for Shopping

Citi Rewards Visa Card: Best Miles Card for Shopping

Best Shopping Credit Card for Miles

Good for

  • Consumers who love shopping online and offline
  • Individuals who spend primarily on fashion and apparel
  • People who prefer earning miles to cashback and don't mind an annual fee

Bad for

  • Individuals who want travel privileges to go along with miles earned
  • Consumers with a diversified spend who buy mostly everyday essentials
  • People who prefer a no-fee credit card

Editor's Rating

4.5/5.0

Citi Rewards Card is the best miles-earning shopping card on the market for consumers who regularly spend on fashion and apparel. Consumers who love keeping up with the latest trends and enjoy the flexibility of shopping anywhere, anytime, will especially benefit. Citi Rewards Card leads the market by offering 4 miles (10 points) for every S$1 spend on clothes, bags, or shoes both locally and overseas. In addition, shoppers earn miles both online and offline, including at department stores, for purchases with any merchants in the category, while most other shopping cards limit earning potential by location or merchant. Although Citi Rewards Card's general earn rate is fairly low at 0.4 miles per S$1 spend, consumers who spend mostly on shopping will greatly benefit from its high earning potential and flexibility within that spend category.

ProsCons
  • 4 miles (10 points) per S$1 shopping spend (clothes, bags, or shoes) local, overseas, online and offline
  • Up to 14% on fuel savings at Esso and Shell
  • Complimentary travel insurance
  • Promotion: Up to S$120 cash rebate welcome gift
  • High annual fee of S$192.60, only 1st year waived
  • Low earn-rate of 0.4 miles (1 point) for every S$1 general spend

What Makes Citi Rewards Card Stand Out

Frequent shoppers looking to earn miles without limiting where they make their purchases will love Citi Rewards Card. Unlike other cards on the market, Citi Rewards Card offers shoppers an impressive 4 miles (10 points) per S$1 fashion spend locally and overseas, online and offline. Citi Rewards Card also rewards purchases with any shopping merchant, rather than limiting the eligible selection. This is an important feature to highlight, since not many miles-earning shopping cards on the market are as flexible as Citi Rewards Card.

While Citi Rewards Card certainly benefits frequent shoppers, it may be less helpful to those with more diversified spend, or who shop less frequently. First, all non-shopping purchases earn a relatively low rate of 0.4 miles per S$1 spend. Secondly, consumers would need to spend a notable amount on shopping in order to offset the card's an annual fee of S$192.6, which is waived only the first year. For example, assuming an air mile is worth S$0.01, a cardholder would need to spend at least S$400 on clothing, shoes, and apparel per month (or $1,600 on non-shopping expenses) to make up for the annual fee. This amount is fairly reasonable for frequent shoppers or average spenders, but consumers who don't spend at this level will not benefit from the card.

Despite the annual fee and lower rewards rate for general spend, Citi Rewards Card is ultimately a great fit for frequent shoppers with high fashion spend. In lieu of miles, this card provides additional value through perks like travel insurance and dining privileges. Cardholders can also receive up to 14% fuel savings at Esso and Shell, in addition to up to 10% cashback with select merchants at over 300 locations through Citi Rebate. Frequent shoppers looking for flexibility and a few extra benefits should consider Citi Rewards Card.

How Does Citi Rewards Card's Rewards Program Work?

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

  • Citi Rewards points are valid for 5 years
  • Points/miles balance appear on cardholder's monthly statement
  • Points/miles can be redeemed with for merchandise and vouchers, for cash rebates, for travel through as facilitated by Connexions Loyalty Travel Solutions LLC, or transferred to participating travel loyalty programs (Asia Miles, KrisFlyer, British Airways and more)
  • Transfer conversion is 25,000 points to 10,000 miles with loyalty program affiliate
  • The minimum for transfers is 10,000 points
  • There is an administrative fee of S$25 per point transfer

Citi Rewards Card's Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesAnnual 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, all fees charged by Bank or third party, miscellaneous charges imposed by Bank (unless otherwise stated in writing by Bank)
Transfers & Bill PaymentsFunds transfers using the card as source of funds, bill payments (including via online or via any other channel or agent)
Institutional PaymentsPayments to educational institutions, government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases), insurance companies (sales, underwriting, and premiums), financial institutions (including banks and brokerages), non-profit organizations
Betting or GamblingLottery tickets, casino gaming chips, off-track betting, and wagers at race tracks, through any channel
Payment Service ProvidersAny top-ups or payment of funds to payment service providers, prepaid cards and any prepaid accounts
TransitAll transit-related transactions

Citi Rewards Card's Features and Benefits:

Details & Benefits
Annual FeeS$192.6, Waived for 1 year
Annual Income RequirementS$30,000 for locals S$42,000 for foreigners
Card Details
  • 4 miles (10 points) per S$1 shopping spend local and overseas, online and offline, including department stores (clothes, bags, or shoes)
  • 0.4 miles (1 point) per S$1 general spend
  • Monthly cap of 4,000 miles (10,000 points)
  • Up to 14% on fuel savings at Esso and Shell
  • Promotions: Up to S$120 cash rebate welcome gift
Other Benefits
  • Citi Rebate offering up to additional 10% off at select merchant locations
  • Citibank Gourmet Pleasures dining deals
  • Complimentary travel insurance

How does the Citi Rewards Card Compare Against Other Cards?

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

OCBC Titanium Rewards Card is an excellent way for frequent shoppers to earn miles from all purchases without paying an annual fee. The card is remarkably similar to Citi Rewards Card, rewarding consumers with the equivalent of 4 miles per S$1 spend on shopping locally and overseas, online or offline. Non-shopping spend earns 0.4 miles per S$1 spend. However, OCBC Titanium Rewards Card is different in that its annual fee of S$192.60 is waived for two years and subsequently is waived with an annual spend of S$10,000. For the average spender, this renders OCBC Titanium Rewards Card completely free to use. Another difference is that unlike Citi Rewards Card, OCBC Titanium Rewards Card grants cardholders discounted access to airport lounges as well as JetQuay Quayside. Citi Rewards Card also offers many promotional discounts on shopping with a diverse set of vendors. Consumers who can spend enough to avoid the annual fee and who shop frequently might want to consider OCBC Titanium Rewards Card. However, those who prioritize shopping a bit more than travel, Citi Rewards Card might be a better option.

Citi Rewards Card v. DBS Woman's World Card

Consider this if you need to make a large purchase that you can't immediately afford

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

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. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles reward credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi PremierMiles Visa 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 PMV is fairly standard with S$1 spend earning 1.2 Citi Miles for local transactions and 2.4 miles for overseas purchases. However, consumers receive added value through welcome gifts and travel perks. New cardholders might expect to earn 20,000+ miles upon approval if they can reach minimum spend requirements (vary based on offer). 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 Visa 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

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

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. CIMB Visa Signature Card

CIMB Visa Signature

Consider this if you prefer a no-fee card and spend primarily on dining, groceries and online shopping

Annual Income Requirement S$30,000
Foreigner Income Requirement S$48,000

For consumers looking to maximise cashback on online shopping spend, CIMB Visa Signature Card is a great option. This card has no annual fee and offers 10% cashback on all online spend after a minimum qualifying spend of S$600 per month, which is accessible to average spenders. In addition to making the most of online purchases, CIMB Visa Signature also offers 10% cashback on dining and groceries. Consumers looking to earn cashback without maintenance on their online shopping, while also earning rewards for everyday food expenditures, should consider CIMB Visa Signature. Consumers who primarily shop offline and prefer miles to cashback would be a better match for Citi Rewards Card.

Citi Rewards Card v. OCBC Frank Card

Consider this if you want an online shopping card with an easy annual fee waiver

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

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.

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