Citi Rewards Card: Best Miles Card for Online & Shopping

Citi Rewards Card: Best Miles Card for Online & Shopping

Best Shopping Credit Card for Miles

Good for

  • Consumers who love shopping online & offline
  • People who spend a lot on fashion & apparel
  • Shoppers who prefer points & miles to cashback

Bad for

  • Travellers looking for both miles & perks
  • Broad spenders seeking rewards for essentials
  • People who prefer a no-fee credit card

Editor's Rating


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.

  • 4 miles (10pts) per S$1 fashion & online
  • Online includes Grab rides & food delivery
  • Free travel insurance
  • 0.4 miles (1pt) per S$1 general spend
  • Rewards cap of 4,000 mi/mo (S$40 value)
  • S$192.6 fee (waived just 1yr)
  • Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
Card Overview
  • 4 miles (10pts) per S$1 fashion & online
  • Online includes Grab rides & food delivery
  • Free travel insurance
  • Promotions: on_current="true" _id="1" col="credit_cards"{promotion}[/da
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020
  • 0.4 miles (1pt) per S$1 general spend
  • Rewards cap of 4,000 mi/mo (S$40 value)
  • S$192.6 fee, no waiver

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 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 fashion retail spend (clothing, shoes, bags & more)
  • 4 miles (10pts) per S$1 online spend (excluding travel & mobile wallet pay)
  • 0.4 miles (1pt) per S$1 general spend
  • No minimum spend requirement
  • Rewards cap 4,000 miles (10,000pts)/month ($40 value-to-consumer)
  • Rewards for taxes, rent, electricity bills, condominium management & school fees w/ Citi PayAll
Perks & Benefits
  • Free travel insurance
  • Citi World Privileges
  • Up to 14% fuel savings at Esso and Shell
  • Get a set of Apple AirPods Pro (worth $379) or $250 cash for all new Citibank cardmembers upon activating and spending within 60 days of card approval (valid until December 7)
  • S$30 cash via PayNow (existing customers)
  • Promo period: 1 - 30 November 2020

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?

Consider this if you want to earn miles for fashion and online spend

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

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 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

Consider this if you are looking for an affordable miles card with travel perks

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

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 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 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. 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.

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. CIMB Visa Signature Card

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

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A

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.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, helping consumers find the best credit cards and other financial products based on quantitative and qualitative analysis. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research, and led development & operations and BellaVetro. She attended Duke University and Penn State University, graduating with a degree in Political Science and Government. Her work has been featured on a variety of major media such as Yahoo Finance, Asia One, Buro, Zuu Online and more.

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