Credit Cards Deals

10,800 miles sign-up bonus with Citi Rewards until June 2020

Apply for a Citi Rewards card as a new Citi credit card customer by 30th June 2020 for a 10,800 miles sign-up bonus when you spend S$3,000 in the first 3 months

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Citi has extended the sign-up bonus window for its popular Citi Rewards card, with 10,800 miles on offer subject to a retail spend of at least S$3,000 in the first three full calendar months of card membership. The deal is now offered for applications by 30th June 2020.

When the offer was first launched way back in January 2019, it was a rare bonus for the card which had previously not offered sign-up incentives. This fifth extension to the deal means it will have been running continuously for at least 18 months, and can probably now be considered a de facto year-round offer.

Given that the offer excludes those who have held a Citi credit card in the last 12 months, those initially ineligible having only recently cancelled their cards may now find that they can take advantage of the offer between now and the end of June 2020, provided their 12-month wait is up.


10,800 miles sign-up bonus

The sign-up bonus for the Citi Rewards card 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 starting from the end of the calendar month of card approval.

For example, if you are approved for the card on 7th April 2020, the qualifying spend period is from that date until 31st July 2020 (three full calendar months from the end of April 2020).

Bonus miles are awarded within two months of meeting the spend criteria.

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Pro Tip: Get approved towards the beginning of the month to give yourself almost four months to meet the spend threshold.

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

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Spend exclusions

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.

Existing 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.

Pro Tip: If the one year anniversary of your last Citi credit card cancellation comes up partway through this promotion period, wait until a year has passed then sign up to qualify for the 10,800 miles bonus.

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

One exception is 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 when you apply as a main cardholder.

How it works

Provided you are eligible, and you apply for a Citi Rewards card on or before 30th June 2020, 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: Citi ThankYou Points transfer to airline miles at a 2.5:1 ratio, which is why the 27,000 bonus is actually only worth 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.

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Earning rates

The Citi Rewards card earns just 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 this card as you’ll see from our full review is the 4 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 2019, Citi added online retail transactions (excluding mobile wallet top-ups and travel-related transactions) to the list earning at the 4 mpd 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 this card.

Unfortunately in October last year Citi amended the S$12,000 annual cap for bonus miles earning at the 4mpd rate using this card with a S$1,000 monthly cap instead, meaning it no longer works very well for large one-off purchases.

This also makes it more difficult to channel all your S$3,000 minimum spend for the sign-up bonus in the 4 mpd 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.

Remember however, as we mentioned above, you can time your application such to try and give yourself up to four months to meet the spend threshold, which should allow you to make almost all of it in the qualifying 4 mpd categories.

Flexible points

Citi has one of the widest range of frequent flyer programmes 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 4 mpd 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 1.5 mpd locally for general spend.

Citi Rewards Card
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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 loyalty schemes:
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One great use of Citi ThankYou points is a transfer to Asia Miles for a Business Class redemption on Qatar Airways from Singapore to Europe for 70,000 miles. That’s 22,000 miles less than you’ll pay to fly direct using KrisFlyer miles on Singapore Airlines, and despite the higher fuel surcharges gets you access to Changi’s best Business Class lounge (see our review).

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(Photo: MainlyMiles)

It’s Qsuites from Singapore but even if you have to fly Qatar’s older Business Class some of the way (as pictured above, see our review), it’s still a great experience.


Do Citi ThankYou Points expire?

Yes, unlike Citi Miles (accrued with the Citi PremierMiles card), Citi ThankYou Points accrued using the Citi Rewards card “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 November 2019 your first 60-month reward period ends on 30th September 2024. Any points accrued will expire on that date no matter whether you earned them five years ago or in the final week of the 60-month period!

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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 (and most frequent flyer programmes) is 25,000 (for 10,000 miles).

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.



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 13,000 bonus miles for a slightly higher spend of S$5,000 in the first three months of card membership, with the ability to earn another 8,000 miles bonus if you replicate the same spend in months 4 to 6 under their current offer. That 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 26,500 miles may be better if you have at least S$9,000 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.

Fast Facts

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Annual fee: $192.60/yr (first year free)
EIR: 26.9%
Sign-up bonus: 10,800 miles*
Standard earn rate: 0.4 miles per $1
Bonus earn rate: 4.0 miles per $1**
Foreign transaction fee: 3.25%
Minimum Age: 21
Minimum income (Singaporean): $30,000/yr
Minimum income (Foreigner): $45,000/yr
* Subject to a minimum spend of $3,000 in the first 3 months.
** Applicable in specific spending categories, see see our review.


(Cover Photo: Shutterstock)

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