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Citi Rewards Card

Miles1st year fee waived

How it earns

What it earns on typical spending

Spending profileEarns a yearNet of feeRank
Everyday S$2,000/mo28,464 milesS$23115 of 27
Eats out a lot S$2,050/mo30,960 milesS$26812 of 27
Frequent traveller S$3,570/mo33,840 milesS$31125 of 27
Family with a car S$3,050/mo37,440 milesS$36518 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

TypeMiles card · Visa / Mastercard
Annual feeS$196.20 incl. GST
Fee waiverFirst year waived.
Minimum incomeS$30,000 (citizens & PRs) · S$42,000 (foreigners)
Rewards currencyCiti ThankYou Points (25,000 = 10,000 KrisFlyer miles)
How points are countedPer transaction, rounded down to S$1
ExpiryPoints valid 60 months plus a 3-month grace period
Converting to miles25,000 points = 10,000 miles to KrisFlyer and 10 others; S$27.25 per transfer.
Foreign-currency fee3.25%

Good to know

Common questions

What is the annual fee on the Citi Rewards?

S$196.20 a year including GST, waived for the first year. First year waived.

What income do I need for the Citi Rewards?

S$30,000 (citizens & PRs) · S$42,000 (foreigners).

How much will I earn with the Citi Rewards?

On a typical S$2,000 a month of everyday spending, about 28,464 miles a year (≈ S$427 at 1.5¢ a mile), or S$231 after the annual fee. That ranks it 15 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the Citi Rewards?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on Citi's own page before applying. Found something out of date? Tell us.

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