Citi ThankYou / Citi Miles¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer |
| Source layers | official, user_reported |
| Currencies | Citi Points/Miles, miles, miles/points |
Community-Learned Rules and Datapoints¶
Merchant: via Citi PayAll (exception, user verified, risk: medium)¶
User reported that citi PayAll transactions will be declined if the user attempts to utilize a temporary credit limit increase to fund the payment.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Credit Cards |
| Route | Citi PayAll |
| Programme | Citi ThankYou / Citi Miles |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T09:31:32+00:00 |
| Observed result | Citi PayAll payments using temporary credit limits are declined with a message to make alternative arrangements |
| Caveat | Users must apply for and secure a permanent credit limit increase instead |
IRAS: via Citi PayAll (exception, user verified, risk: medium)¶
User reported that citi PayAll transactions cannot utilize a temporary credit limit and will be declined; users must obtain a permanent credit limit increase.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | IRAS |
| Card | Citi Credit Cards |
| Route | Citi PayAll |
| Programme | Citi ThankYou / Citi Miles |
| Programme type | bank_transfer |
| Points currency | Citi Points/Miles |
| Devaluation risk | low |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T09:31:32+00:00 |
| Observed result | PayAll transaction declined when relying on a temporary credit limit increase |
| Public/official layer | Citi PayAll transactions must be within the permanent credit limit |
| Caveat | Temporary credit limit increases are ignored by the PayAll system, leading to transaction declines |
Claim 16545 (risk: low)¶
Citi PayAll offers a promotional rate of 1.6 to 1.8 miles per dollar (equivalent to buying miles at 1.44 to 1.63 cents each) for tax season from 18 April to 31 August 2025, alongside an upcoming service fee increase.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | IRAS |
| Card | Citi Credit Cards |
| Route | Citi PayAll |
| Programme | Citi ThankYou / Citi Miles |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 1.6 to 1.8 mpd |
| Fees / surcharges | Service fee applies |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2025-04-17 |
| Last seen | 2025-04-17T19:12:53+08:00 |
| Public/official layer | Promotional earn rates of 1.6 to 1.8 mpd for Citi PayAll payments during the promo period. |
| Caveat | The service fee is set to be increased; promo runs from 18 April to 31 August 2025. |
Private Hospitals: via Citi PayAll (exception, user verified, risk: low)¶
User reported that citi PayAll can be used to pay private hospital bills (such as Gleneagles or Mount Elizabeth Novena) by selecting alternative categories like 'professional services' and entering the hospital's bank account details.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Private Hospitals |
| Card | Citi credit cards |
| Route | Citi PayAll |
| Programme | Citi ThankYou / Citi Miles |
| Programme type | bank_transfer |
| Points currency | miles/points |
| Fees / surcharges | Citi PayAll service fee applies |
| Devaluation risk | low |
| Last verified | 2024-10-30 |
| Last seen | 2024-10-30T10:31:58+00:00 |
| Observed result | Users successfully route payments to private hospitals by selecting 'professional services' |
| Public/official layer | Citi PayAll supports payments to pre-listed or custom bank accounts under specific categories |
| Caveat | Requires obtaining the hospital's direct bank account details |
Insurance: MCC 6300 (exception, user verified, risk: low)¶
User reported that insurance premium payments charged to Citi cards do not earn miles, but they do count as qualifying spend for welcome offers and card benefits, such as the quarterly spend required for the free airport limo.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Insurance |
| Card | Citi PremierMiles / Citi Prestige |
| MCC | 6300 |
| Programme | Citi ThankYou / Citi Miles |
| Programme type | bank_transfer |
| Points currency | miles |
| Devaluation risk | low |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T12:55:10+00:00 |
| Observed result | Users confirmed insurance premium payments count towards the $12k quarterly spend for the free airport limo |
| Public/official layer | Insurance is excluded from earning miles, but counts as qualifying spend for Citi welcome offers and benefits |
| Caveat | Does not earn miles/points, only counts towards qualifying spend thresholds |