Promotion

Air Miles

• You can accumulate Citi Miles over time, and they do not expire.
• The conversion rate for Citi Miles is 165 miles for S$1.
• You can redeem Citi Miles via Citi ThankYou Rewards and transfer them to 11 airline partners, including Singapore Airlines’ KrisFlyer miles program. A Points Transfer fee of S$26.75 applies.
• You can earn 1.2 Citi Miles for every S$1 spent locally, with no minimum spend required. However, there are general exclusions such as insurance, educational institution fees, and more.
• You can earn 2 Citi Miles for every S$1 spent overseas in foreign currency, subject to a Citibank admin fee of 3.25% and a Mastercard admin fee of 1% per transaction.
• With Citi PayAll, you can earn and accumulate Citi Miles, Citi ThankYou PointsSM or Cash Back quickly when you pay your big-ticket bills such as rent, insurance premiums, education expenses, taxes, utilities and more.

Overseas Spending

• No minimum spend nor cap
• Earn 2 Citi Miles per S$1 overseas spend charged in foreign currency
• For online travel bookings charged in foreign currency, you can earn 7 Citi Miles per S$1 overseas spend with Agoda’s Bonus Miles promotion and 10 Citi Miles per S$1 overseas spend with Kaligo’s Bonus Miles promotion.
• A 3.25% Citibank admin fee and a 1% Mastercard admin fee apply to all foreign currency transactions.
• With Citi PayAll, you can quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when you pay for big-ticket bills, such as rent, insurance premiums, education expenses, taxes, utilities, and more.

Bill Payment

• Schedule and manage bill payments easily with the Citi PayAll feature available on the Citi Mobile App.
• Eligible categories for Citi PayAll include rent, education expenses, taxes, condominium management fees, and electricity bills.
• Each transaction made through Citi PayAll will incur a service fee of 1.25% – 2%, with a personalized rate determined upon enrolment and subject to occasional updates.
• To avoid transaction failures and late payments, make sure to maintain sufficient credit and regularly update payee account details, including the account number, amount, and due date. Failure to do so may result in compensation to Citi PayAll.
• Use Citi PayAll to quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when paying for big-ticket bills such as rent, insurance premiums, education expenses, taxes, and utilities.

Petrol

• Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively

• Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively

• Use Citi PayAll to quickly earn and accumulate Citi Miles, Citi ThankYou PointsSM, or Cash Back when paying for big-ticket bills such as rent, insurance premiums, education expenses, taxes, and utilities.

Other Features

• Citi Miles never expire
• Earn up to 2 Citi Miles per S$1 on your spend
• Receive renewal bonus of 10,000 Citi Miles on your Card anniversary
• Earn up to 10 Citi Miles per S$1 on online travel bookings via Kaligo and Agoda
• As the primary Cardholder, you are entitled to two complimentary visits to over 1,300 airport lounges worldwide each year.
• Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM, or Cash Back quickly when you pay for big-ticket items such as rent, insurance premiums, education expenses, taxes, utilities, and more.
• Please note that while we strive to provide accurate and up-to-date information, this information may differ from what is displayed on the financial institution’s or service provider’s website. LOANPANDA shall not be held responsible for any discrepancies in information.

Eligibility

Singaporean/PR Minimum Income

• S$30,000

Non-Singaporean Minimum Income

• S$42,000

Fees and Charges