Last month Citi rolled out a great offer for its PayAll service, with a hiked earn rate of 2.5 mpd when using the Citi PremierMiles, ULTIMA or Prestige cards to make any series of payments on or before 31st August 2021, capped at S$120,000.
That simple offer is still running, meaning you can continue to take advantage of this excellent earn rate – the equivalent of buying miles at just 0.8 cents each – without worrying about setting up recurring payments or or meeting a minimum number of transactions, as with some previous PayAll deals.
New offer – S$100 cashback on recurring payments
Citi has now launched a new offer running from 1st June 2021 to 30th September 2021 for those setting up a recurring payment of at least six consecutive months, with a flat S$100 cashback awarded, provided each monthly instalment is a least S$500.
No registration is required and the promotion is available to all Citi customers, whether they have used PayAll before or not, holding one of the following cards:
- Citi ULTIMA Card
- Citi Prestige Card
- Citi PremierMiles Card
- Citi Cash Back+ Card
- Citi Cash Back Card
- Citi Rewards Card
To benefit from the cashback, you’ll have to set up your six-month recurring payment and ensure both the setup date and the first charge date falls within the promotion period (1st June 2021 to 30th September 2021).
The subsequent 5+ charge dates can all fall outside the promotion window if you wish.
Note: If you have an existing recurring payment scheduled through PayAll which was first set up on or before 31st May 2021, you’ll have to cancel that and set it up again to benefit from this offer.You’ll then receive S$100 cashback in the form of an account credit within 10 weeks of the third successful recurring payment.
For example, if you set up the first monthly payment on 20th June 2021, you’ll receive the cash credit by 29th October 2021 (10 weeks after the 20th August 2021 payment).
Here’s an example of how this can seriously reduce (or even replace) the effective 2% fee for recurring PayAll payments.

Citi PayAll recurring payment offer example
Month | Payment | Fee (2%) |
Jun 2021 | S$1,000 | S$20 |
Jul 2021 | S$1,000 | S$20 |
Aug 2021 | S$1,000 | S$20 |
Sep 2021 | S$1,000 | S$20 |
Oct 2021 | S$1,000 | S$20 |
Nov 2021 | S$1,000 | S$20 |
Total | S$6,000 | S$120 |
Cashback | (S$100) | |
Total | S$6,000 | S$20 |
Equivalent fee | 0.33% |
In this case a recurring payment of S$1,000 per month for six months is costing you only 0.33% in PayAll fees (usually 2%).
Free miles!
With a fixed cash rebate on offer, this deal also gives you the opportunity to earn miles or cashback through your Citi credit card for absolutely no fee – or even pay less fee than the cash rebate itself!
For six equal payments of S$833, the cashback cancels out the fee altogether, and for six equal payments of S$500-S$832 they are actually refunding more than the fee back to you – which means giving you miles or cashback via your credit card rewards and money!
Stacking the two offers
For Citi ULTIMA, Prestige and PremierMiles cardholders, the good news is that Citi has confirmed in its Terms and Conditions document (Point 9) that this promotion also stacks with the 2.5 mpd offer running between now and the end of August.

Card | Normal earn rate | Offer earn rate |
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1.6 mpd |
2.5 mpd |
![]() |
1.3 mpd |
|
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1.2 mpd |
That means you can benefit from that enhanced miles deal for up to the first three instalments of your six-month series and be entitled to the S$100 cashback too.
First-time PayAll users between 1st May and 31st August will also be entitled to a further S$50 cashback as part of the 2.5 mpd deal, for a total of S$150 credit!
Here’s how this deal could work for the same six S$1,000 monthly payments used in the previous example, with a Citi PremierMiles card.


Stack PayAll 2.5 mpd and S$100 cashback
Month | Payment | Miles | Fee (2%) |
Jun 2021 | S$1,000 | 2,500 | S$20 |
Jul 2021 | S$1,000 | 2,500 | S$20 |
Aug 2021 | S$1,000 | 2,500 | S$20 |
Sep 2021 | S$1,000 | 1,200 | S$20 |
Oct 2021 | S$1,000 | 1,200 | S$20 |
Nov 2021 | S$1,000 | 1,200 | S$20 |
Total | S$6,000 | 11,100 | S$120 |
Cashback | (S$100) | ||
Total | S$6,000 | 11,100 | S$20 |
Cost per mile | 0.18 cents |
In this example you’re generating miles for 0.18 cents each – basically for free (almost!).
The higher your monthly payment the higher the cost per mile (since the cashback is fixed at S$100), but as with the previous example Citi is effectively paying you for the miles when making recurring payments of S$500 to S$832 under this offer.
Crucially, using this recurring payment method to unlock the S$100 cashback doesn’t prevent you from making further one-time payments at the 2.5 mpd earn rate with these cards, provided the total payments accumulate to less than S$120,000 inside that offer window (1 May – 31 Aug).
It doesn’t work for GIRO income tax payments
There’s already a host of great offers for earning miles with your income tax payments in Singapore this year, but this Citi promotion would be a great way to do so while earning extra miles… if the bank allowed recurring payments to IRAS!
That would mean those paying by GIRO could take advantage by scheduling payments to replace the GIRO debit at least five working days before its deduction date, but unfortunately PayAll does not support recurring payments to IRAS, only one-time transactions.
There’s nothing to stop you making a PayAll payment to replace your monthly GIRO deduction, but you would have to do so manually each month, therefore you can’t benefit from the S$100 cashback offer in this case.
Recurring payments using the PayAll service are restricted to:
- Education
- Insurance
- Rent
- Miscellaneous payments (e.g. goods and services, charitable donations)
Terms and conditions
Full terms and conditions for this bonus miles offer (and the existing 2.5 mpd one, with which it stacks) are available via the following links:
Citi PayAll S$100 cashback for recurring payments
Citi PayAll 2.5 mpd offer
Citi Miles / TYP are very flexible
We say it all the time, but Citi’s reward points are by far the most flexible in Singapore when it comes to the sheer range of transfer partners compared with other bank loyalty points.
You can transfer your miles into 11 different frequent flyer programmes and on the hotel side into IHG points.
Singapore credit card to FFP transfers
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