Credit Cards Deals

Citi PayAll offering up to S$120 CapitaVouchers on bill payments

Set up at least S$4,000 of Citi PayAll payments between now and 28th February and earn up to S$120 of CapitaVouchers, in addition to regular miles.

Citi is running another of its flash promotions for the PayAll service this month, with up to S$120 in eCapitaVouchers on offer when you set up PayAll payments over the next six days, which fall due between now and 6th March 2023.

Unfortunately this deal doesn’t run in conjunction with any promotional earn rate for PayAll transactions, like the 1.8 mpd offer which recently ended, but it still allows you to significantly offset the regular 2% fee for these payments, allowing you to generate miles from 0.42 cents each if you place ‘face value’ on the vouchers.


There’s a new clause though – your cumulative spend for the promotion must be made on a single Citi card to be eligible this time round – not across any eligible Citi card in your portfolio, as was previously the norm.

Up to S$120 eCapitaLand vouchers offer

To be eligible for this deal you’ll have to set up any number of PayAll payments through the Citi Mobile app between 23rd February 2023 and 28th February 2023, including one-time and recurring arrangements, using one (and only 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

Spreading your payments across multiple eligible cards won’t help here, since only the highest spend will be assessed.

Here’s the gift you will earn during this promotion.

Total payments set up in promo period on ONE card

S$1 – S$3,999
S$4,000 – S$7,999 S$60
S$8,000+ S$120

For S$4,000 of payments, S$60 is worth 1.5% cashback, and similarly at the next optimum payment threshold of exactly S$8,000, S$120 is also worth 1.5% cashback.

That effectively brings Citi PayAll’s 2% fee down to 0.5%, assuming you can hit one of those two thresholds exactly and that you place ‘face value’ on the vouchers themselves.

eCapitaVouchers can be redeemed at over 2,800 stores in Singapore, including outlets at ION Orchard, Bugis+, Bugis Junction and Jewel Changi Airport.


It probably goes without saying, but any payments set up using Citi PayAll’s new “zero fee, zero rewards option”, which launched earlier this month, will not count towards the qualifying spend for this promotion.

With the regular 2% fee, you can settle rental, insurance, tax, education and a range of other bills using Citi PayAll, so you may well be able to take advantage of this offer.

Things to know

Here are the key conditions for this offer:

  • You must set up your payment(s) before 11.59pm on 28th February 2023 on ONE CARD for them to be counted towards the total.
  • The charge date for your payment(s) must fall on or before 6th March 2023.
  • Total payments are only assessed if they are set up on one of your eligible cards (so pick a card, and stick with it for this promo).
  • Registration for the promotion is not required, it is open to all those who hold one of the above mentioned cards.
  • For recurring payments, only those charged on or before 6th March 2023 will count towards the total (i.e. probably only the first payment will count).
  • All Citi PayAll payment categories are eligible.
  • Existing recurring payments or one-time payments already set up on or before 22nd February 2023 will not be considered; you’ll have to cancel those arrangements and set them up again within the offer window to have them count towards the spend for this deal.
  • You are only eligible for one gift during the promotion (it’s either S$60 or S$120, not both).

The “one card” rule

Citi seems to have a new policy for this particular PayAll promotion, which is that your qualifying spend must be made using ONLY ONE of your eligible cards.

For example, if you set up the following PayAll payments during the promotion period between now and 28th February 2023, charged on or before 6th March 2023:

  • S$3,500 on your Citi PremierMiles card
  • S$4,500 on your Citi Prestige card
  • S$8,000 total

you might think you’ll receive the full S$120 in eCapitaVouchers.

You’d be wrong.

Since the spend is assessed only on a single card, Citi will only award S$60 of eCapitaVouchers in this case, from your S$4,500 spend using the Citi Prestige card.

The best strategy if you’re going to participate in this promotion is to pick one card, and stick to it.

Putting all S$8,000 spend on one of the above cards in this example would unlock the S$120 eCapitaVoucher.

You’ll still earn regular miles

Since Citi PayAll’s new “zero fee” option is specifically excluded from qualifying spend for this promotion, the good news is that you’ll still earn your card’s regular miles when setting up payments at the normal 2% fee, which involves ‘buying’ miles at the following rates.

Regular Citi PayAll
Cost per mile

Card Earn rate Cost per mile
(2% fee)
Citi Ultima Small 2Citi ULTIMA 1.6 mpd 1.25¢
Card2019 SmallCiti Prestige 1.3 mpd
CardMC2019 smallCiti PremierMiles 1.2 mpd 1.67¢
Citi Rewards 0.4 mpd 5.00¢

The voucher is of course in addition to the miles, somewhat diminishing the fee during this promotion.

For example:

  • S$4,000 PayAll payment with the Citi PremierMiles card
  • Set up: 24th Feb
  • Charge: 4th Mar
  • Fee: S$80 (4,000 x 2%)
  • Miles earned: 4,800 (4,000 x 1.2)
  • eCapitaVoucher: S$60

If you consider the voucher to be worth S$60 in this case, you’ve effectively generated 4,800 miles for S$20 (0.42 cents per mile) in this example, which is excellent.

When is the voucher awarded?

Is it me or do Citi’s gifts drift further and further into the future with every offer?

Well, this one’s no exception. Provided you’re eligible, you will receive an SMS or email notification containing redemption details of the S$60 or S$120 eCapitaVoucher within 16 weeks from the end of the promotion period.

That’s by 20th June 2023.

Seriously, Citi?


Thankfully you’ll still receive your regular base rewards when the Citi PayAll transaction posts to your account, as usual, so it’s just the voucher element you’re waiting for here.

The full terms and conditions for this offer are available here.

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

    AMEXtrans BOCtrans2 CITItrans DBStrans2 HSBCtrans2 MAYBANKtrans2 OCBCtrans2 SCtrans2 UOBtrans2
Star Alliance Star KF Logo trans
oneworld AM Logo trans    
SkyTeam Circle CItrans                
Others Circle EYtrans              

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.

Qatar’s Qsuite business class is a great redemption option when transferring Citi miles into Oneworld programmes. (Photo: Qatar Airways)

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.


Citi is offering a six-day flash sale for those using its PayAll facility, with either S$60 or S$120 or eCapitaVouchers available for those making S$4,000+ or S$8,000+ of eligible spend respectively, in addition to the regular miles earned for making your payment.

To be eligible you’ll need to set up your payments by 28th February 2023, with a relatively short-term charge date limit of 6th March 2023, so this one is only really useful for those with immediate expenses.

Importantly, you’ll only earn one reward based on the highest PayAll spend with a single eligible card during this promotion, a new condition for these offers which previously pooled your spend across all eligible cards.

Needless to say, any payments set up using Citi’s new “zero fee” option won’t pass muster for this deal – so pick a single card to use and pay the 2% fee if you want to participate.

(Cover Photo: Shutterstock)


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