Citibank Rewards Credit Card Review – The Shoppers Must Have

I’m continuing the series of Miles cards in Singapore, this is a review of the Citibank Rewards Credit Card, which is a must have for shoppers in Singapore.

Citibank Rewards Credit Card

About the Card

The Citibank Rewards Credit Card is issued by Citi and comes in Visa and Mastercard version, it rewards you with Citi Rewards which can be converted to Citi Miles.

As with other Citibank credit cards these points are pretty flexible and can be converted into a number of different points and miles currencies including Singapore Airlines KrisFlyer and Malaysia Airlines Enrich Miles.

For more information and/or if you would wanted to apply for this card, simply click Citibank Rewards Credit Card to apply.

images (2)Sign-Up Bonus

As with many of the Citibank cards there’s no sign-up bonus, but if you’re looking to boost your earning with a sign-up check out this article:

Best Credit Card Sign-Up Promotions for Singapore Airlines KrisFlyer Miles

Other Benefits

There are a few additional benefits for the Citibank Rewards card including travel insurance, various discounts and there are often promotions.

What is the Annual Fee?

Basic Card annual fee $S192.60 (inclusive of GST). Supplementary Card: Complimentary

Bonus for Renewal?

Unlike some of the other Citibank cards this one doesn’t come with any renewal bonus. The Citibank Prestige card does offer a bonus.

Other cards with renewal bonuses effectively allow you to purchase miles for a discounted price and there are quite a few cards in Singapore that offer this, we’ve collated them here:

Buy KrisFlyer Miles Cheaply With Credit Card Renewals in Singapore

What Do You Earn per $1?

The Citibank Rewards card is a great card for earning here’s the breakdown:

  • Purchase of shoes, clothes or bags (local and overseas) – 4 Miles per $S1
  • Spend at any departmental store (local and overseas) – 4 Miles per $S1
  • Online Shopping merchants include all shopping websites – 4 Miles per $S1 (excluding – food & beverage, travel, airline, government, brokerage/ securities, cinema, insurance, tuition and online gambling websites)
  • All other spend – 0.4 Miles per $S1

There are also promotions ongoing with several key partners:

Citibank-Expedia-Credit-Card-Promotion-6-Miles-per-S1What is a Citi Mile Worth?

One of the great things about any card from Citibank is that they not only convert into Singapore Airlines KrisFlyer and Malaysia Airlines Enrich but also a host of other frequent flyer programs so it allows a lot of flexibility for redemptions:

  • KrisFlyer
  • Asia Miles
  • Royal Orchid Plus
  • SkyMiles
  • Executive Club
  • Enrich
  • Infinity MileageLands
  • Garuda Frequent Flyer
  • Etihad Guest

There are also a number of other hotel and experience partners.

Handily for all of the airline partners Citi Miles convert 1 for 1 so you’ll earn 4 KrisFlyer or Enrich Miles for your shopping!  Remember to think about when you convert your Citi rewards to miles as they levy a $S25 charge each time.

How Does this Compare?

Obviously the sign-up bonus is non-existent so you’re better off with other cards, but you can’t do better for the earning rate on shopping.

Conclusion:

Sign Up Bonus – 2/10

Ongoing Spend – 8/10

A sign-up bonus is lacking, but there are a few perks that come with the card so given it a 2/10.  For ongoing spend this is a great card to have if you shop and should be combined with cards that give you better earnings for travel as that’s an exclusion – unless you regularly book through Expedia or Kaligo.

You can find out more about the card or sign up using the link below:

Citibank Rewards Credit Card

If you’ve got this card any tips to share?