Citi is running another three-day flash promotion for its PayAll service, with up to S$120 in GrabFood vouchers on offer when you set up payments totalling S$2,500+, which fall due between now and 31st December 2021.
Both one-time and recurring transactions count towards the total, and at the top end you’ll need to be charging a cumulative S$8,000 or more for the maximum return of S$120 in vouchers.
To be eligible for this deal you’ll have to set up any number of PayAll payments through the Citi Mobile app between 1st December 2021 and 3rd December 2021, including one-time and recurring arrangements, using one of the following Citi credit cards:
- Citi ULTIMA Card
- Citi Prestige Card
- Citi PremierMiles Card
- Citi Rewards Card
- Citi Cash Back+ Card
- Citi Cash Back Card
Total payments set up in promo period
|S$1 – S$2,499||—|
|S$2,500 – S$3,999||S$30|
|S$4,000 – S$7,999||S$50|
The due date for your payment(s) must fall before 31st December 2021. You must set up your payment(s) before 11.59pm on 3rd December 2021 for them to be counted towards the total.
For recurring payments, only the first payment that falls between now and 31st December 2021 will be considered towards the cumulative spend for the purposes of the promotion.
Any payment type (e.g. Insurance, Rent) made through the platform is eligible.
Existing recurring payments will not be considered; you’ll have to cancel those arrangements and set them up again within the three-day offer window to have the first instalment count towards the spend for this deal.
Registration for the promotion is not required, it is open to all those who hold one of the above mentioned cards. You can only receive one gift under this promotion.
The GrabFood vouchers
The gift will be paid as a voucher code you can redeem on the GrabFood app, structured as follows depending on the total voucher value you qualify for in this promotion:
- S$120 GrabFood vouchers: 6 x S$20 denomination
- S$50 GrabFood vouchers: 2 x S$25 denomination
- S$30 GrabFood vouchers: 1 x S$30 denomination
Provided you successfully set up your payment(s) in accordance with the terms and conditions, you will receive the voucher code within 12 weeks from the end of the setup deadline, which is by 25th February 2022.
When using the codes, if your purchase is less than the value of voucher (e.g. S$17 using a S$20 voucher), no refund of the unused portion of the code will be made to you, so make sure you use each code for a transaction equal to or greater than your order total, to extract the full value.
Bear that in mind especially for the S$30 one, since it may be more difficult to achieve the full value if your orders are typically small (2 x S$15 vouchers could have been better here).
For GrabFood transactions greater than the voucher value, you’ll simply settle the excess cost directly (e.g. for a S$22 purchase using a S$20 voucher, you’ll pay the remaining S$2).
You can only apply one Grab voucher per transaction, so bear in mind you’re on the hook for 6 separate delivery fees with the S$120 deal, unless you self pick-up. Vouchers are valid for six months from date of issue.
Is it worth it?
PayAll charges a flat 2% transaction fee for all payment types.
In the optimum scenario under this offer you can pick up the maximum S$120 of vouchers for S$8,000 of payment setups (usual fee S$160), meaning you’re effectively offsetting 75% off the fee itself, provided you would use the GrabFood vouchers.
That would mean effectively paying a S$40 fee for S$8,000 of payments (0.5%), which is excellent. Using a card like the Citi PremierMiles, you would generate 9,600 miles for S$8,000 of payments (1.2 mpd), so you’re effectively buying those miles for 0.42 cents each if you consider they are only costing you S$40.
Terms and conditions
Here are the full terms and conditions applicable to the December GrabFood vouchers promotion.
Does it stack with other PayAll offers?
The terms and conditions document does not mention whether this latest promotion does or doesn’t stack with Citi’s ongoing bonus cashback promotion, running from September to December 2021, though the T&Cs for that offer explicitly state that it cannot be combined with other promotions.
It’s probably therefore safe to assume you won’t be eligible for both deals.
Citi Miles / TYP are very flexible
We say it all the time, but it’s always worth remembering that 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 10 different frequent flyer programmes and on the hotel side into IHG points.
Singapore credit card to FFP transfers
As you can see from the table above, Citi gives you a wide range of flight redemption options including oneworld and SkyTeam carriers.
Our comprehensive guide here also gives examples of some of the alliance and partner airline redemptions you can achieve that you might not have considered before.
We’ve personally transferred Citi Miles into British Airways Avios (for good value intra-Asia Cathay Pacific redemptions) and Asia Miles (for the Qatar Airways Qsuite to Europe), but Turkish Airlines and the newly revalued Qatar Airways Privilege Club are also great options.
We never have to wait long for a new Citi PayAll deal lately, and while this new GrabFood vouchers offer isn’t the best we’ve seen it’s still a good way to offset the usual 2% fee for those of you making payments of S$2,500 or more between now and the end of December through the platform.
Remember you set up those payments between 1st December 2021 and 3rd December 2021 for them to count.
If you already have future-dated one-time or recurring payments that fall within the eligibility window for this deal (now to 31st December 2021), you’ll need to cancel and set them up again to trigger this offer.
(Cover Photo: Shutterstock)