Credit Cards Deals

Citi Rewards 10,800 miles sign-up bonus extended to 30 September

Earn 10,800 bonus miles with the Citi Rewards credit card if you're a new Citi credit cardholder. Ends 30th September 2019.

Citi Laptop Cover 6

Back at the start of 2019 Citi launched a rare miles bonus offer for new customers signing up for its Citi Rewards credit cards during the first three months of 2019. The deal has been extended once already and now for a second time.

Provided you don’t currently hold a Citi credit card, or have not held one for at least 12 months, the offer is for 10,800 bonus miles and is now valid for applications made on or before 30th September 2019.

10,800 miles sign-up bonus

The sign-up bonus for the Citi Rewards cards for those not currently holding a Citi credit card and having not held one in the last 12 months prior to application, is worth 10,800 miles, provided you have S$3,000 of spending to do in the next three full calendar months from the end of the calendar month of card approval.

For example, if you are approved for the card on 18th July 2019, the qualifying spend period is from that date until 31st October 2019 (three full calendar months from the end of July 2019).

This card also features full fee waiver for the first year of membership as standard.

Citi Rewards Card 2019

As usual with these promotions, your S$3,000 qualifying spend must fall outside the following excluded categories:

  • Equal Payment Plan (EPP) purchases.
  • Refunded / disputed / unauthorised or fraudulent retail purchases.
  • Quick Cash / Ready Credit PayLite and other instalment loans.
  • Paywise / cash advance / quasi-cash transactions, balance transfers, annual card membership fees, interest or goods and services taxes.
  • Bill payments made using the card as a source of funds.
  • Late payment fees.
  • Any other form of service / miscellaneous fees.

The bonus points will be credited within two months from the eligible minimum spend being satisfied. Full terms and conditions relating to this offer for new Citi credit card customers can be found here.

What about existing or former Citi customers?

If you are an existing Citi credit card holder, or had a Citi credit card account which was terminated in the last 12 months prior to application, you unfortunately won’t be eligible for this sign-up bonus.

Unlike the Citi PremierMiles Visa, which does offer a smaller welcome bonus for existing Citi customers, there is no alternative incentive offered for the Citi Rewards cards.

However if you are a supplementary cardholder with Citi in Singapore, but not the main cardholder on any such account, you will be eligible for the sign-up bonus.

How it works

Provided you are eligible, and you apply for a Citi Rewards card on or before 30th September 2019, which is subsequently approved within 30 days, you will be awarded 27,000 bonus Citi ThankYou Points once you’ve spent at least S$3,000 on the card in the qualifying spend period as defined above.

These are true bonus points, as you’ll also accrue Citi ThankYou Points at a rate of 1 per S$1 (or 10 per S$1 in eligible categories) for your first S$3,000 spending on the card as usual on top of that.

Remember that Citi ThankYou Points transfer to airline miles at a 2.5:1 ratio, which is why the bonus is actually only 10,800 miles.

This offer is shown alongside others currently on the market at our Top sign-up bonuses page for Singapore credit cards, so you can easily see which products will currently offer you the most generous miles boost.

Do bear in mind that the first week of July usually sees a flurry of new or extended offers so keep checking that page over the coming days before you commit to anything – there’s likely more to come.

Earning rates

The Citi Rewards cards earn a measly 0.4 miles (1 Citi ThankYou Point) for every S$1 spent both locally and overseas (i.e. transacted in foreign currency), though the real key to these cards as you’ll see from our full review is the 4.0 miles (10 Citi ThankYou Points) per S$1 spent on shoes, bags and clothes at online or retail stores, or department stores, both locally and overseas.

Since March this year, Citi added online retail transactions (excluding mobile wallet top-ups and travel-related transactions) to the list earning at the 4mpd rate. That’s a very useful category as it includes things like online food delivery, Amazon purchases, Grab and Go Jek rides, etc.

For all the eligible MCC (merchant category codes) and exclusions, see our detailed review of these cards.

Unfortunately in early October 2018 Citi amended the S$12,000 annual cap for bonus miles earning at the 4mpd rate with these cards with a S$1,000 monthly cap instead, meaning they no longer work very well for large one-off purchases.

This will also make it difficult to channel all your S$3,000 minimum spend for the sign-up bonus in the 4mpd category, without sacrificing some points here and there, as you’ll want to meet the minimum amount in the first three months to be eligible for the bonus.

Flexible points

Citi has one of the widest range of frequent flyer programs for you to transfer your points into, including British Airways, Etihad Guest, Turkish Airlines and Qantas, making these very flexible points to accrue.

Given the card is fee-free, the bonus miles are effectively free too, though try to stick to the 4mpd categories for as much of the qualifying spend as possible and revert to better cards for general spending, like the BOC Elite Miles card which earns 1.5mpd locally.

See our full review of the Citi Rewards cards for more details, including a full list of transfer partners.

Successful sign-ups for Citi cards pay MainlyMiles an affiliate commission.

Citi Rewards Visa / MasterCard
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Sign-up Bonus: 10,800 miles
Annual Fee: Free in Year 1
Cost per mile: Zero
Min Spend: S$3,000 in 3 months
Min Income: S$30,000/yr
Citi ThankYou Points credit to the following programs:

We recently flew the excellent Oman Air Boeing 787 Business Class (see our full review here), and while we paid cash for that flight we were surprised to learn that you can redeem Etihad Guest miles at very competitive rates for Oman Air flights.

Bangkok to Paris for example is just 76,000 miles, or 190,000 Citi ThankYou Points, with a free stopover in Muscat if you book a round-trip award.

Transfer your Citi ThankYou Points to Etihad Guest and fly Oman Air’s Apex Suite from Bangkok to Europe for 76,000 miles. (Photo: MainlyMiles)

Do Citi ThankYou Points expire?

Yes, unlike Citi Miles (accrued with the Citi PremierMiles card), Citi ThankYou Points accrued using the Citi Rewards cards “are valid for a period of 60 months”. That’s five years, which sounds very generous, but it’s not as simple as they make out.

In fact you have to accrue and redeem your points in fixed five-year periods, which to us is not really the same thing. For example, if you open your card account on 1st August 2019 your first 60-month reward period ends on 31st July 2024. Any points accrued on that date will expire no matter whether you earned them five years ago or in the final week of the 60-month period!

Rewards Validity.jpg
We would say this is misleading. Validity of Rewards points (Citi ThankYou Points) is a maximum of five years.

Citi then give you 3 months to use any unredeemed points from that 60-month period before wiping them from your account. It’s easy to get caught out here so beware, especially considering the minimum number of Citi ThankYou Points you can transfer to KrisFlyer is 25,000.

Once you have an account you can view how many of your points are expiring in the next 60 days on the Citi Thank You Rewards page.

This strange policy is quite unlike the Citi PremierMiles card (see our review) and Citi Prestige card (see our review) where the miles earned never expire.

What about the Citi Rewards MasterCard?

The offer is good for both the Citi Rewards Visa Signature and Citi Rewards World MasterCard versions. As we mention in our review of this product, these are largely comparable however the MasterCard will usually give you a marginally better foreign exchange rate. Worth considering if your intention is to use the card overseas or for non-SGD transactions.

Both Eddie and I went for the MasterCard version last year to take advantage of the 8mpd rate using Apple Pay (sadly, the offer has long ended) during our round-the-world trip, and it worked really well for us.

Note that we’re not talking about Citi’s fee for foreign transactions here, which is set at 3.0% for both products, but the forex rate calculated by the network operator. MasterCard almost always comes out slightly on top.

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Not much to distinguish between the two Citi Rewards cards

You can’t currently apply for the Citi Rewards MasterCard through Citi’s primary product page, but you can through our link.

Successful sign-ups for Citi cards pay MainlyMiles an affiliate commission.

Signing up for the MasterCard as well as the Visa card is also a good way to double your monthly cap when spending in the bonus categories with this card. You’ll then be able to achieve up to S$2,000 monthly spend at the 4mpd rates (max S$1,000 per card), though do note the 10,800 miles sign-up bonus will only pay out on the first card you are approved for.

Applying for the ‘other’ card is easy once you have the first one. We both did this through the Citi online banking portal and it arrived in the post a few days later. Note that you’ll usually then share your credit limit across both cards.


As far as current card sign-up bonuses go in Singapore, this certainly isn’t the best on the market, despite the bonus miles being ‘free’ if you have S$3,000 to spend in the next three months.

The Singapore Airlines KrisFlyer Amex Blue will net you 12,500 bonus miles for a slightly higher spend of S$5,000 in the first three months of card membership, with their current offer. This card also comes with no annual fee in the first year.

Remember though that the Singapore Airlines KrisFlyer co-brand cards only allow you to credit into KrisFlyer miles, while Citi has a much wider range of airline partners globally, something to consider.

The Citi PremierMiles sign-up bonus of 21,000 miles may be better if you have at least S$7,500 to spend in the first three months, though it’s also subject to paying the annual fee of S$192.60.

Also worth considering is the DBS Altitude sign-up bonus of 10,000 miles, fee-free in the first year and with a minimum spend of S$6,000 in three months.

Remember to be eligible for the Citi Rewards offer you have to be new to Citi credit cards in Singapore (or at least new in the last 12 months). Existing customers, even those holding other Citi credit cards, won’t get the bonus.

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Successful sign-ups for Citi cards pay MainlyMiles an affiliate commission.


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