Back in August, we covered Citi’s discontinuation of the Citi Rewards Visa card, with affected cardholders told their cards would stop working on 15th October 2026. I hold both the Visa and Mastercard versions of the Citi Rewards card, so I was braced to lose half of my 4 mpd earning capacity with Citi overnight on that date.
Except I haven’t – 15th October came and went, and my Citi Rewards Visa is still working, and still earning 10X ThankYou Points (4 mpd) on eligible spend, exactly as it did before.
Spared (for now)
When I wrote the original article, I flagged that Citi hadn’t actually sent me any notice about my Visa being discontinued, even though other cardholders had been told in mid-July.
That left an interesting question – had Citi simply missed me off the mailing list, with my card set to stop working on the day regardless? Or was my card not part of this round at all?
It turns out to be the latter, for now at least. There was no notice before 15th October, no switch-off on the day, and I’ve heard nothing from Citi since.
My Visa has carried on working as normal, with 10X points posting on eligible transactions on both cards (Visa and Mastercard), and the all-important separate S$1,000 monthly bonus cap still applying to each.
For those who did receive the notice, unfortunately nothing has changed. Those cards were discontinued as planned, with ThankYou Points moved across to the Citi Rewards Mastercard.
Not just me
Several readers have since been in touch to report the same thing. Like me, they never received a discontinuation notice from Citi, and their Citi Rewards Visa cards are still working too.
That strongly suggests Citi is actually retiring the card in batches, rather than switching off every Citi Rewards Visa in one go, with the 15th October date only applying to cardholders who were notified.
It also fits Citi’s own wording. The notice sent to affected cardholders described the bank as “progressively” converting the Citi Rewards Visa to the Mastercard. If you’re lucky – they simply haven’t progressed to you yet!
It’s a similar story with my Citi PremierMiles Visa. Citi first asked me to convert it to the Mastercard version by late June 2026, then moved that deadline to 30th September 2026 when I didn’t act on it.
That date has come and gone too, and the Citi Mobile App is now quoting 18th November 2026 instead.
That one’s a slightly different process, since the PremierMiles Visa is being converted to a Mastercard rather than simply closed, but the deadline keeps moving all the same.
Each time a deadline has come round without me acting on it, Citi has simply set a new one. I can’t tell if that’s because I haven’t acted, or because Citi has extended everyone, but presumably there will eventually be a final date with no further extensions offered.
How long have we got with the Citi Rewards Visa?
Citi’s Cardmember’s Agreement requires the bank to give “reasonable notice” before closing a card account, so a switch-off without warning shouldn’t happen. It doesn’t specifically say how much notice counts as reasonable, though.
Citi’s notices for the 15th October batch went out in mid-July, giving those cardholders around three months’ warning.
I’ve still heard nothing from Citi about an end date for my card, so even if a notice landed in my inbox tomorrow, the same three months’ notice would take my Visa into late January 2027.
So if Citi repeats that pattern for the next batch, those of us who haven’t been contacted should be good until early 2027 at the very least. There’s no guarantee the bank will give the same notice period next time, of course, but it would be slightly unfair on us if it didn’t.
When my notice does eventually arrive, I’ll update this article with my confirmed D-Day.
Why are some cards surviving?
This is the part we can’t really answer. Citi hasn’t said how it decided which Visa cardholders were in the first batch (or batches), and which weren’t.
For what it’s worth, my Citi Rewards Visa was approved in May 2019, almost a year after my Citi Rewards Mastercard in June 2018.
Citi stopped issuing the Visa version to new applicants in March 2020, less than a year after I got mine. That makes every Citi Rewards Visa still in circulation at least six and a half years old, but mine is probably among the more recent of them, and isn’t due to expire until May 2029.
So if Citi is going by card age, it isn’t obvious which way round. It could just as easily be going by expiry date instead, hence the question about that below.
Spending could be another factor. I typically put S$500-800 through each card (Visa and Mastercard) every month, sometimes maxing out the bonus cap on both. Whether Citi is keeping more active cardholders on the Visa for longer, or spending has no bearing at all, is anyone’s guess.
If anything, heavy bonus-category spenders are the most expensive Citi Rewards customers, so you might have expected them to be first in line for the chop.
Still S$2,000 a month at 4 mpd – for now
For those of us still holding a working Visa alongside the Mastercard, the double cap lives on – two separate S$1,000 monthly bonus caps, for up to 8,000 miles a month between them.
| Citi Rewards 4 mpd earning capacity (dual cardholders) |
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| Visa still active |
Visa discontinued |
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| Cards earning 4 mpd |  |
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| 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 |
That’s up to 48,000 more miles a year than a Mastercard-only cardholder can earn at 4 mpd – not bad for a card you haven’t been able to apply for since 2020.
If your Visa is still alive
There’s no reason not to keep using it for bonus spend while it lasts – just don’t put anything long-term on it, like recurring bills or subscriptions, which will be cancelled when the card goes.
Watch out for your discontinuation notice, and when it arrives, our advice from August still applies – stop using the Visa a week before the last day, so your final transactions post in time to earn points.
When the Visa does go, its ThankYou Points move to the Mastercard and take on the Mastercard’s points validity period, so it’s worth knowing where that card sits in its five-year cycle (more on that here).
If you’ve already had your notice and your Visa has gone, none of this changes anything for you. Your 4 mpd earning with Citi is now capped at S$1,000 per month on the Mastercard alone.
Is yours still alive?
If you hold a Citi Rewards Visa, please let us know in the comments below – the more reports we get, the better the chance of spotting a pattern. In particular:
- whether you received a discontinuation notice from Citi, and when
- whether your Visa is still working after 15th October
- when your Visa expires (via the App > Manage)
- roughly when your Visa was first approved
- whether you also hold the Citi Rewards Mastercard
- how actively you use the card(s) for bonus spend
We’ll hopefully be able to update this article as more reports come in, and of course once Citi sets a date for the next batch.
| Citi Rewards Card | |||
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First year free |
4 mpd online |
11 transfer partners |
| READ OUR REVIEW | |||
| Citi Rewards Credit Card | ||
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First year free |
4 mpd online |
11 transfer partners |
| READ OUR REVIEW | ||
Summary
Citi’s 15th October discontinuation date for the Citi Rewards Visa turned out to only apply to cardholders who were actually notified. Mine wasn’t, and it’s still working and earning 4 mpd, as are the cards of several readers who never heard from Citi either.
It looks like Citi is retiring the card in batches. With around three months’ notice given to the first group, anyone not yet contacted is likely to have until early 2027 at least.
Why some cards have been spared is still a mystery. It could be card age, expiry date or spending – hopefully your reports in the comments might help us work it out.
For now though, S$2,000 a month at 4 mpd across two Citi Rewards cards is still on the table for a lucky few. Make the most of it while it lasts, but get ready to move everything to the Mastercard eventually.
| Fast Facts
Annual fee: S$196.20/yr (first year free) |
| 16,000 miles when you spend APPLY HERE |
I’ve had the card since 2016 and got a renewal card in July valid till 07/31. I did not receive a discontinuation notice from Citi. It’s still working after 15 Oct. I also hold the Citi Rewards Mastercard since 2016. On average I use 700-1K on the Visa only on bonus spend.
I contacted Citibank as i received zero notification, and was told my date is approx 27 Jan 2027. What was interesting is that the officer told me because I currently hold both MC and Visa version, the points on my Visa WILL NOT transfer over to the MC. The Visa points will only transfer over to the MC only with the Visa to MC migration process.