Citi ThankYou Points¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer |
| Source layers | official, user_reported |
| Routes / regions / hotels | Bangkok |
| Currencies | Citi Points, Citi ThankYou Points, miles, points, ThankYou Points |
Community-Learned Rules and Datapoints¶
Atome via Atome: MCC 5999 (exception, user verified, risk: low)¶
User reported that using Atome to pay for purchases (like Trip.com) changes the transaction MCC to 5999, which successfully triggers 4 mpd on the Citi Woman's World Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Atome |
| Card | Citi Woman's World Mastercard |
| Route | Atome |
| MCC | 5999 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2026-06-02 |
| Last seen | 2026-06-02T05:54:26+00:00 |
| Observed result | Earns 4 mpd via MCC 5999 |
| Caveat | It is best to trigger manual payment of the Atome installment to ensure it codes as online. |
National Healthcare Group (NHG): via HealthHub (exception, user verified, risk: low)¶
User reported that paying National Healthcare Group (NHG) bills online via the HealthHub app using the Citi Woman's World Mastercard (WWMC) successfully earns 10x points (4 mpd).
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | National Healthcare Group (NHG) |
| Card | Citi Woman's World Mastercard |
| Route | HealthHub |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi ThankYou Points |
| Miles / points | 4 mpd |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2026-06-01 |
| Last seen | 2026-06-01T03:27:10+00:00 |
| Observed result | User confirmed paying NHG via HealthHub app with WWMC is expected to earn 10x points. |
| Public/official layer | Citi WWMC earns 10x points on online transactions, subject to standard bank exclusions. |
| Caveat | Must be paid online via the HealthHub app to trigger the online 10x points multiplier. |
Claim 15451 (risk: low)¶
Citi Prestige cardholders can earn 4.5 mpd on up to S$8,000 of overseas (FCY) spend until 28 February 2025, but must meet a minimum total spend of S$28,000 to qualify.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Card | Citi Prestige |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4.5 mpd |
| Devaluation risk | low |
| Last verified | 2024-12-05 |
| Last seen | 2024-12-05T06:00:31+00:00 |
| Public/official layer | Earn 4.5 mpd on FCY spend up to S$8,000 with S$28,000 total spend between registration and 28 Feb 2025 |
| Caveat | Requires a massive S$28,000 total spend to qualify |
Claim 14835 (user verified, risk: low)¶
Citi PayAll transactions do not count towards or affect the S$1,000 monthly spend cap for earning 10X points on the Citi Rewards Mastercard.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Card | Citi Rewards Mastercard |
| Route | Citi PayAll |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Devaluation risk | low |
| Last verified | 2024-11-28 |
| Last seen | 2024-11-28T10:31:58+00:00 |
| Observed result | Does not affect the S$1,000 spend limit for 10X points |
| Public/official layer | Citi PayAll transactions are excluded from the S$1,000 monthly bonus points cap |
Challenger: via Amaze (exception, user verified, risk: low)¶
User reported that using a physical Citi Rewards card at a physical Challenger store does not earn 10X points; to earn 10X, use Amaze paired with Citi Rewards Mastercard, or purchase online via the Challenger website.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Challenger |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 10X points |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T11:25:40+00:00 |
| Observed result | Physical card at physical store gets 1X; Amaze + Citi Rewards or online purchase gets 10X. |
| Public/official layer | Citi Rewards 10X points are awarded for online transactions and select retail categories, excluding physical in-store general retail unless routed via Amaze (which converts it to online). |
| Caveat | Physical card transactions at physical stores do not qualify for the 10X online spending bonus unless routed through Amaze. |
Lazada: via Amaze (exception, user verified, risk: medium)¶
User reported that lazada transactions can sometimes be processed under '2c2p* lazada' which is treated as offline, failing to trigger the Citi Rewards 10X online bonus. Pairing the card with Amaze (Amaze + Citi Rewards Mastercard) ensures the transaction is processed as online to guarantee the 10X points.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Lazada |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 10X points (4mpd) |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T11:56:46+00:00 |
| Observed result | Direct Lazada transactions sometimes process as offline; Amaze routing forces online processing. |
| Caveat | Direct card payments on Lazada may occasionally code as offline depending on the payment gateway used. |
Claim 15024 (user verified, risk: low)¶
Using a physical Citi Rewards Card at a physical retail store (such as Challenger) does not earn 10X points (4mpd). To earn 10X, transactions must be routed online, such as using Amaze + Citi Rewards Mastercard, Kris+ + Amaze + Citi Rewards Mastercard, or purchasing directly on the merchant's website.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Challenger |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 10X points (4mpd) |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T11:25:40+00:00 |
| Observed result | Physical card swipe at Challenger physical store does not earn 10X; Amaze + CRM or online website does. |
| Public/official layer | Citi Rewards 10X points are awarded for online transactions, excluding mobile wallet contactless payments and specific MCCs. |
| Caveat | Physical card transactions at physical stores are treated as offline and do not qualify for the 10X online bonus. |
Lazada: via Amaze (exception, user verified, risk: medium)¶
User reported that lazada transactions can sometimes process under the gateway '2c2p* lazada' which codes as offline, failing to trigger the Citi Rewards 10X online bonus. Pairing with Amaze (Amaze + Citi Rewards Mastercard) ensures it processes as online.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | Lazada |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T11:56:46+00:00 |
| Observed result | Lazada direct payment may code as offline; Amaze + CRMC secures 10X. |
| Caveat | Lazada offline routing is unpredictable; Amaze acts as a reliable wrapper. |
Challenger: via Amaze (exception, user verified, risk: low)¶
User reported that physical card transactions at physical Challenger stores do not earn 10X points (4 mpd) on Citi Rewards. To get 10X, use Amaze + Citi Rewards Mastercard, Kris+ + Amaze + Citi Rewards Mastercard, or buy online via Challenger's website.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Challenger |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T11:25:40+00:00 |
| Observed result | Physical card in physical store gets 1X; Amaze or online gets 10X. |
| Public/official layer | Citi Rewards earns 10X points on online transactions only (excluding mobile wallets in-store). |
| Caveat | Physical card at physical store is excluded from 10X online bonus. |
Claim 15811 (user verified, risk: low)¶
Paying for Gogo Energy corporate card (Shell/Esso petrol) via Amaze linked to Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, subject to a 1.8% credit card fee.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earns 4 mpd on top of 23% upfront discount with 1.8% fee |
| Caveat | Merchant levies a 1.8% credit card fee |
Gogo Energy via Amaze: MCC 5541 (exception, user verified, risk: low)¶
User reported that paying for Gogo Energy corporate petrol card (Shell/Esso) using Amaze linked to Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, despite a 1.8% credit card fee.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Sweet spot | yes |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T04:34:19+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount |
| Caveat | A 1.8% credit card fee is levied by the merchant. |
Claim 15582 (user verified, risk: low)¶
Paying Gogo Energy (Shell petrol corporate partner) using Amaze linked to Citi Rewards Mastercard earns 4 mpd on top of a 23% upfront discount, despite a 1.8% credit card fee levied by the merchant.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Gogo Energy |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 5541 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Fees / surcharges | 1.8% credit card fee |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T01:47:44+00:00 |
| Observed result | Earned 4 mpd on top of 23% upfront discount |
| Caveat | There is a 1.8% credit card fee levied by the merchant |
Claim 16013 (user verified, risk: low)¶
Buying vouchers from heymax or wogi qualifies as eligible spend for the Citi Prestige sign-up bonus.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | heymax |
| Card | Citi Prestige |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | miles |
| Miles / points | 50,000 miles |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T00:15:29+00:00 |
| Observed result | Voucher purchases from heymax/wogi counted towards the qualifying spend |
| Caveat | Applies to the 50,000 miles sign-up bonus spend requirement |
Claim 15926 (user verified, risk: low)¶
Bolt ride-hailing transactions in Bangkok are charged in THB and code under MCC 4121 (Taxicabs and Limousines), making them compatible with Citi Rewards Mastercard paired with Amaze.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Bolt Bangkok |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 4121 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | points |
| Award route / region | Bangkok |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-24 |
| Last seen | 2024-11-24T13:41:50+00:00 |
| Observed result | Codes as MCC 4121 in THB. |
| Caveat | Charged in foreign currency (THB). |
Claim 18921 (user verified, risk: low)¶
Using Amaze paired with Citi Rewards Mastercard on MCC 7538 (Automotive Service Shops) successfully awards 10X points (4 mpd), as verified at Revol Carz Makeover.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Revol Carz Makeover |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| MCC | 7538 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-11-20 |
| Last seen | 2024-11-20T03:06:04+00:00 |
| Observed result | Received 10X points (8,500 points on a S$850 spend) |
Singtel: via Singtel App (exception, user verified, risk: high)¶
User reported that paying Singtel bills manually via the Singtel mobile app codes as AXS Payment, which does not earn 10x points (4 mpd) on the Citi Rewards card.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Singtel |
| Card | Citi Rewards |
| Route | Singtel App |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | Citi Points |
| Devaluation risk | low |
| Last verified | 2024-11-08 |
| Last seen | 2024-11-10T06:38:30+00:00 |
| Observed result | Manual payment on the Singtel app coded as 'AXS PAYMENT' and failed to award 10x points. |
| Public/official layer | Citi Rewards excludes transactions processed under AXS from earning 10x bonus points. |
| Caveat | Users suggest paying via the Singtel web portal instead of the mobile app to avoid the AXS payment coding. |
HealthHub via HealthHub online portal: MCC 8062 (exception, user verified, risk: medium)¶
User reported that online medical bill payments via HealthHub earn rewards on DBS WWMC and Citi Rewards, but do not qualify for rewards on UOB Signature or UOB Preferred Platinum Visa.
| Field | Value |
|---|---|
| Status | active |
| Confidence | medium |
| Source layer | user_reported |
| Merchant | HealthHub |
| Card | Citi Rewards |
| Route | HealthHub online portal |
| MCC | 8062 |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | points |
| Miles / points | 4 mpd |
| Devaluation risk | low |
| Last verified | 2024-10-31 |
| Last seen | 2024-10-31T14:21:56+00:00 |
| Observed result | Citi Rewards and DBS WWMC successfully earn rewards for HealthHub, while UOB Signature and UOB PPV do not. |
| Public/official layer | Citi Rewards excludes hospital MCCs (e.g., 8062). |
| Caveat | Citi Rewards officially excludes hospitals, but online processing via HealthHub is reported to work. |
Sony Store: via Amaze (exception, user verified, risk: low)¶
User reported that citi Rewards Card paired with Instarem Amaze earns 4 mpd on physical retail transactions, such as at a physical Sony Store.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | Sony Store |
| Card | Citi Rewards Mastercard |
| Route | Amaze |
| Programme | Citi ThankYou Points |
| Programme type | bank_transfer |
| Points currency | ThankYou Points |
| Miles / points | 4 mpd |
| Sweet spot | yes |
| Devaluation risk | medium |
| Last verified | 2024-10-29 |
| Last seen | 2024-10-29T15:27:10+00:00 |
| Observed result | Confirmed to earn 4 mpd |
| Public/official layer | Citi Rewards excludes physical transactions, but Amaze converts them to online transactions, which officially qualify for 4 mpd |
| Caveat | Subject to Citi Rewards monthly cap and standard exclusions |