Citi is entering the final stages of a migration of its Singapore credit card portfolio from Visa to Mastercard, and the popular Citi Rewards Visa card is the latest to be given an end date, so if you hold one – you’ve got roughly two months left to use it.
Citi’s retreat from Visa in Singapore has been a slow one. It traces back to a 2015 tie-up with Mastercard, under which the bank committed to moving the bulk of its consumer cards onto that network, and locally the first real evidence arrived in March 2020, when the Cash Back, PremierMiles and Rewards cards all stopped being issued as Visas to new applicants.
What Citi didn’t do at that point was touch the Visa cards already in circulation. Those carried on working, and kept being renewed year after year.
That left a small but happy group of cardholders holding two Citi Rewards cards at once, one on each network, with a separate bonus cap sitting on each of them.
That era is now drawing to a close.
Citi Rewards Visa: the key dates
Citi has notified affected cardholders that the Citi Rewards Visa card will be discontinued on 15th October 2026, with 14th October 2026 the last day you can use it.
In most cases there’s no replacement card, because Citi has been writing to people who already carry the Citi Rewards Mastercard. For those cardholders the Visa account simply closes on the date, and the Mastercard carries on unchanged.
| Citi Rewards Visa Key Dates |
|
| Last day to use the card | 14th October 2026 (our advice: 7th October 2026) |
| Last day to earn points | 14th October 2026 (transaction posting date) |
| Card discontinued | 15th October 2026 |
| Points moved to Citi Rewards Mastercard |
15th October 2026 |
| Pro-rated annual fee refund | by 5th November 2026 |
Watch the posting date, not the transaction date
This is the detail most likely to catch people out.
Your earning is determined by the date a transaction posts to your account, not the date you actually make it. Most transactions post within one to three days, but slower merchants aren’t unusual, and it’s good to assume the worst for anything you’re relying on.
That means a purchase you make on, say, 13th October which only posts on 16th October will still appear on your statement and still needs to be paid, but it will earn you no ThankYou Points at all!
Pro Tip: Don’t spend right up to the wire. Our advice is to give your final transactions a clear week to filter through, which means moving your spending over to the Mastercard from 7th October 2026 and leaving the Visa alone from that point. If you’re chasing the last of the month’s bonus cap, plan the timing around that rather than the 14th.What happens to your ThankYou Points?
The good news is that your points won’t be lost, and there’s almost certainly no rush to transfer them out.
Any available Citi ThankYou Points sitting on your Rewards Visa card will be transferred across to your Citi Rewards Mastercard on 15th October 2026.
There is an important catch though. The transferred points take on the validity period of the points already sitting on your Mastercard, not the validity period they had on your Visa card.
As we’ve covered before, ThankYou Points earned on the Citi Rewards cards don’t expire a fixed period after you earn them. Instead they sit in fixed five-year ‘Points Validity Periods’ running from your card approval date, with a three-month grace period at the end. Points earned in the final weeks of a cycle can therefore expire barely three months later.
That means the transfer could shorten or lengthen the effective life of your Visa card points, depending on where your Mastercard sits in its own five-year cycle.
If your Mastercard is already late into its own five-year validity period, it’s important to know the date now. Citi prints the Point Expiry Date on the three statements running up to the end of a validity period, so if nothing is showing on yours yet, you’ve got more than three months left to run (or check your card expiry date and add three months to that).
Remember that the points arriving from your Visa card will inherit that same shorter window, so plan to move the combined balance out to a frequent flyer programme before that cutoff.
There is at least one small consolation. Citi charges a S$27.25 fee each time you convert ThankYou Points to a frequent flyer programme, and because the bank holds each card’s rewards balance separately, dual cardholders have always paid it twice – once for the Visa balance, once for the Mastercard.
From 15th October there’s only one balance left to transfer from, so points from two conversions that would have cost S$54.50 in total can now be done in one, costing half that.
Other things to consider before the changeover
There are potentially several housekeeping items to deal with well ahead of the cut-off.
- Recurring payments and card-on-file arrangements on the Visa card will be cancelled. If your Rewards Visa is the card on file for telco bills, streaming subscriptions, insurance or anything else on autopay, move those across to your Mastercard now to avoid a missed payment.
- Citi PayAll arrangements set up on the main card will transfer across to your Mastercard automatically. Those set up on a supplementary card are cancelled, and will need to be re-established on another eligible Citi card via the Citi Mobile App.
- Credit Insure and Credit Insure Gold don’t stop automatically. For as long as the Visa account still carries a balance, the premiums keep being billed to it. Cancelling means a phone call to CitiPhone on +65 6225 5225, open daily between 8am and 8pm.
- Annual fee refunds, if you paid one for the current card anniversary year, are pro-rated to the number of full calendar months the card was usable, and credited to your Mastercard by 5th November 2026.
- Your credit limit won’t be changed. Citi’s combined credit limit across all your personal cards stays the same.
- A refund arriving after the card has closed will still show against your Visa account. If that tips the account into credit, Citi will deal with it under their standard terms – typically applying it to your other card account, or via bank transfer.
Citi’s notices have gone to cardholders who already hold the Mastercard version, so for most people there’s little to arrange. If you can’t lay hands on your Mastercard, Citi’s FAQ covers ordering a replacement through the Citi Mobile App, under ‘Settings & More’ and then ‘Report lost/stolen card’, with delivery by normal post within three to five working days.
Citi has published a full set of FAQs on the discontinuation here.
Why this one stings: the end of the double cap
Losing a card to a network switch isn’t usually a huge inconvenience, unless you have many recurring payments set up on the card. This one is different, and the reason sits entirely in how the bonus cap is applied.
The card earns 4 mpd on eligible online spend and on shoes, bags and clothing purchases, but only on the first S$1,000 of spend per statement month. Crucially, the Visa and the Mastercard versions have always had separate caps.
Holding both therefore gave you S$2,000 of bonus spend each month rather than S$1,000, and up to 8,000 miles per month instead of 4,000.
| Citi Rewards 4 mpd earning capacity (dual cardholders) |
||
| Until 14th Oct 2026 |
From 15th Oct 2026 |
|
| Cards earning 4 mpd |  |
 |
| Bonus spend per month | S$2,000 | S$1,000 |
| Max. miles per month | 8,000 | 4,000 |
| Max. miles per year | 96,000 | 48,000 |
For anyone who was actually maximising both cards on a regular basis, that’s a loss of up to 4,000 miles per month, or 48,000 miles per year, worth around S$864 at a working valuation of 1.8 cents per mile. It’s also among the more useful currencies to be losing, given Citi ThankYou Points feed ten different frequent flyer programmes, plus IHG on the hotel side.
(Photo: Shutterstock)
It’s also not too dissimilar to OCBC’s removal of the Titanium Rewards Blue and Pink cards, which were merged into one product in 2024. With the Citi Rewards Visa now going the same way, there are no ‘two cards, double cap’ options we can think of left in the Singapore market.
Not everyone has been told yet
Here’s where it gets interesting, and where we’d urge a little caution before assuming the Visa’s end date is set in stone for every cardholder.
I hold both the Citi Rewards Visa and the Mastercard, and have done for years, regularly maxing out the bonus cap on both cards in the same statement month. Despite that, Citi has not sent me any notification whatsoever about my Visa card being discontinued, while other cardholders were advised in mid-July.
That suggests there might be a staggered end rather than a single hard switch-off for the entire base.
There’s also some precedent from the other side of the Citi portfolio. My Citi PremierMiles Visa card was subject to a similar conversion notice, with the bank initially telling me I needed to switch to the Mastercard version by late June 2026.
I didn’t act on it, and Citi subsequently pushed that deadline back to 30th September 2026. I’m still using that Visa card.
So there is at least some history of these deadlines moving.
However, we would strongly caution against planning around that. If you’ve received a notice quoting 15th October 2026, treat it as firm. The downside of assuming an extension that never arrives is that unposted transactions will earn nothing and recurring payments will be cancelled, far worse than the inconvenience of moving your spending across beforehand.
If you haven’t been notified yet, it’s still sensible to assume your Visa card is on the same timeline until Citi tells you otherwise, like I am doing.
Summary
The Citi Rewards Visa card will be discontinued on 15th October 2026, with 14th October the final day it can be used, though we’d suggest stopping a week earlier than that to be sure your final transactions post in time to earn.
Your ThankYou Points move across to the Citi Rewards Mastercard automatically, but they’ll adopt that card’s points validity period, so it’s worth checking where your Mastercard sits in its own five-year cycle before the migration happens.
The real sting is for those holding both versions, who lose a second S$1,000 monthly bonus cap and with it up to 48,000 miles per year. That brings to an end the last of Singapore’s ‘two cards, two caps’ opportunities.
The Citi Rewards Mastercard itself continues unchanged, and remains one of the strongest 4 mpd options in the market – just with half the earning capacity for those who had been running the pair alongside one another.
| Fast Facts
Annual fee: $196.20/yr (first year free) |
| 16,000 miles when you spend APPLY HERE |
(Cover Photo: Pietro Rampazzo)