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Citi Rewards Card

Institution: Citibank

Stored T&C Sources

Source Type Local copy Fetched
https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/10x-rewards-promotion-terms-and-conditions-2020.pdf PDF data/card_tnc/citi-rewards-card/candidate-f7d5dfb84040.pdf 2026-05-17T14:49:42.843066+00:00
https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/online-product-led-acquisition-promotion-terms-and-conditions.pdf PDF data/card_tnc/citi-rewards-card/candidate-7fd8b95505df.pdf 2026-05-17T14:49:42.708210+00:00
https://www.citibank.com.sg/pdf/2025/0225/Cardmembers_Agreement.pdf PDF data/card_tnc/citi-rewards-card/candidate-34b2f3c6c6cc.pdf 2026-05-17T14:49:51.848151+00:00
https://www.citibank.com.sg/credit-cards/pdf/rewards-exclusion-list.pdf PDF data/card_tnc/citi-rewards-card/candidate-d43f74d8ca64.pdf 2026-05-17T14:49:51.026166+00:00
https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/10x-rewards-promotion-frequently-asked-questions.pdf PDF data/card_tnc/citi-rewards-card/candidate-1ed263a0b182.pdf 2026-05-17T14:49:51.375078+00:00
https://www.citibank.com.sg/credit-cards/rewards/citi-rewards-card/pdf/card-members-agreement.pdf PDF data/card_tnc/citi-rewards-card/candidate-345af828d568.pdf 2026-05-17T14:49:43.343940+00:00
https://www.citibank.com.sg/credit-cards/rewards/pdf/citibank-rewards-info.pdf PDF data/card_tnc/citi-rewards-card/candidate-eb779aeca1b4.pdf 2026-05-17T14:49:51.113396+00:00
https://www.citibank.com.sg/global_docs/pdf/NTBwelcomepromo.pdf PDF data/card_tnc/citi-rewards-card/candidate-91ecd8797aca.pdf 2026-05-17T14:49:52.030331+00:00

T&C MCC Rules

Top Miles Merchants

Card Reward Cap Min spend Conditions
Citi Rewards Card
-Hamilton		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
2C2*Lalamove		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
3 Cheers Patisserie		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
6IXTY8IGHT		 4 mpd S$1,000 This is an eligible merchant
Citi Rewards Card
7-Eleven		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
9s Seafood		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
A Lil Thyme		 4 mpd S$1,000 This is an eligible merchant
Citi Rewards Card
A Tilly A Day		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
A-poh Kitchen		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Aapon		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Abercrombie & Fitch		 4 mpd S$1,000 This is an eligible merchant
Citi Rewards Card
Absolute Sound		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Accor Plus		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Action City		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Addictude		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Adedance Aerial		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Adertek		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
adidas		 4 mpd S$1,000 This is an eligible merchant
Citi Rewards Card
Adobe Creative Cloud		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward
Citi Rewards Card
Advocado		 4 mpd S$1,000 This is an eligible merchant; Must complete transaction online to be eligible for this reward

Top Cashback Merchants

No reward rows found.

Street Truth / User-Reported Exceptions

Marks & Spencer via Samsung Pay: MCC 5311 (exception, user verified, risk: low)

User reported that citi Rewards Card earns 4 mpd on whitelisted MCCs (such as MCC 5311 Department Stores) when paid via in-store mobile wallets (Apple Pay, Google Pay, Samsung Pay), despite customer service officers sometimes incorrectly claiming they are excluded.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Marks & Spencer
Card Citi Rewards Card
Route Samsung Pay
MCC 5311
Programme Citi ThankYou Rewards
Programme type bank_transfer
Points currency miles
Miles / points 4 mpd
Devaluation risk low
Last seen 2026-06-10T13:07:36+00:00
Observed result CSOs incorrectly claim mobile wallets are excluded when users query missing points.
Public/official layer In-store mobile wallet transactions on whitelisted MCCs earn 4 mpd.
Caveat The transaction must fall under a whitelisted MCC; CSOs frequently give incorrect advice regarding mobile wallet exclusions.

Singtel via Singtel Website vs Singtel App: MCC 4814 (exception, user verified, risk: high)

User reported that paying Singtel bills via the official website with Citi Rewards Card still earns 4 mpd, but paying via the Singtel app has changed to AXS payment and no longer earns points.

Field Value
Status context-dependent
Confidence high
Source layer user_reported
Merchant Singtel
Card Citi Rewards Card
Route Singtel Website vs Singtel App
MCC 4814
Programme Citi ThankYou
Programme type bank_transfer
Points currency ThankYou Points
Miles / points 4 mpd
Devaluation risk medium
Last verified 2024-12-04
Last seen 2024-12-04T01:23:16+00:00
Observed result Singtel website payment awarded 4 mpd, while Singtel app payment coded as AXS and earned 0 points
Public/official layer AXS transactions are excluded from earning points on Citi cards
Caveat Singtel app payments now route through AXS, which is a standard exclusion

Gain City: MCC 5732 (exception, user verified, risk: low)

User reported that gain City allows customers to make split payments online via custom payment links sent by staff, enabling users to break down large transactions to fit within monthly credit card rewards caps.

Field Value
Status active
Confidence high
Source layer user_reported
Merchant Gain City
Card Citi Rewards Card
MCC 5732
Programme Citi ThankYou
Programme type bank_transfer
Points currency Citi Points
Miles / points 10x points
Sweet spot yes
Devaluation risk low
Last verified 2024-10-28
Last seen 2024-10-28T00:58:00+00:00
Observed result Staff can generate multiple online payment links for a single invoice to spread payments across statement months.
Caveat Requires coordinating with Gain City staff to generate and send the online payment links.