Citi Rewards Card review (2026)
The consensus first miles card in Singapore. Almost everything online earns 4 mpd, there's no minimum spend, and points keep for up to five years. One rule to remember: never book travel on it.
Great for
Use it for
on almost everything online — travel excluded
Watch out for
- Travel earns no bonus — flights, hotels and OTAs like Klook get just 0.4 mpd. Use a travel card for those.
- Paying in-app with Apple Pay or Google Pay doesn't count as online — use your stored card number instead.
- The S$1,000 cap runs per statement month, not calendar month — time big purchases around your cycle.
- SimplyGo bus and MRT taps don't earn points — only rides booked in-app (Grab, Gojek, TADA) count.
Other cards to compare
UOB Preferred VisaTap your phone anywhere, earn 4 mpd.Read review →
HSBC RevolutionPermanent 4 mpd online + contactless, no annual fee ever.Read review →
DBS Woman's World Card4 mpd online — including flights and hotels.Read review →Citi Rewards FAQs
Does Citi Rewards earn 4 mpd on Grab?
Yes — rides and orders booked in-app and charged to your stored card count as online. Just don't pay via Apple Pay or Google Pay in-app; that's excluded.
What is the Citi Rewards 4 mpd cap?
S$1,000 per statement month (not calendar month). Spend above that earns 0.4 mpd.
What's excluded from the bonus?
Travel is the big one — flights, hotels and OTAs like Klook earn just 0.4 mpd. In-app mobile-wallet payments, bills, insurance and top-ups are also out.
Where this card wins
Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?