Credit Cards

Citibank Rewards kills 10X points on bill payments

For quite some time, one of the most Fight Clubby things about the miles and points game was the ability to earn 10X points (4 miles per $1) on bill payments through the Citibank Rewards card and AXS machines.

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You needed the Mastercard version of the card for this to work. What you’d do is select the Mastercard/MasterPass option on the AXS e-station, then add your bills (insurance, season parking, town councils, storage, telephone, condo fees, club memberships) to your basket.

When the time came to pay, you would receive an OTP and the transaction would register as online. And although this wasn’t anything like the “shoes, bags and clothes” that the Citibank Rewards card promised 10X points for, people were still receiving the bonus points whether by accident or design. Although the Citibank Rewards only gave 10X points for a maximum of $12,000 spending per year, this was still an easy way for people to earn 48,000 miles on spending they would have to incur anyway.

This trick was guarded zealously by many in the community. Woe betide anyone who posted something like “guys I don’t see my bonus points so I called up the CSO to check what’s going on.” Man, the vitriol they received…

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Well so much for that because Citibank has posted a very curt message on its website which brings the party to an end.

As upsetting as it is that this is going away, I’d rather stay philosophical about this. Opportunities come and go all the time. We had a similar mourning period when DBS changed their T&C with the Woman’s card (but even then it’s still unclear as to whether the new T&C exclusions are being enforced), and it wasn’t the end of the world.

November is the last month you have to make your bill payments and enjoy your 10X bonus, so no time like the present.

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52 Comments on "Citibank Rewards kills 10X points on bill payments"

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noooooooooooo….this was the only useful thing about this card. will probably have to pay in advance.

what will i do without this site.

sigh ): this was truly the most useful card for that. Any suggestions as to what card to use from now on?

Damn, I was hoping this was going to be good for another tax season.

Hi Aaron,

If I use the cit rewards master card to top up FEVO, can I to earn 10X points (4 miles per $1)?



You can all in pay to IRAS-Personal tax : )

Is there a monthly limit?

All good things come to end eventually.

I’m sure that is another alternative but it is closely guarded.

Any hint on the alternative?

Not I am aware of, but I did not dig seriously in it. However once a year ago I got a PM from someone at HWZ showing a screenshot of 100K miles cashed every month.

I can’t imagine life without mileslion

at the moment, aside from HSBC Advance (which is extremely unreachable for me), any suggestions for bill payments?

while we are on the topic.. any suggestion how to earn miles for ezlink top-up..?

Extremely unreliable is understatement. I’ve applied to it in April and got no response since that.

I don’t think HSBC advance let’s you earn miles on bill payments? They do?

Answer is no.

And above mentioned schema of overpaying to IRAS tax does not work – they don’t like it and you will get warning.

Go down to their branch.

Got it in a week.

I WAS THERE four times – at Raffles Place branch. Last time – on Thursday.

If you have contact information of upper management of HSBC, please share. Because I am ready to write to their HQ that Singapore branch is engaging into discrimination practice. Otherwise I can’t explain their behaviour.

Erh no go there and apply

What about bill payments to telcos (eg. Starhub) made directly through their website, do this still earn 10x?

Sad to learn about this. I just only enjoyed the perk of paying my income tax bill via Masterpass and received the 10x.

Since the cessation of 10X points for AXS bill payments, I have been paying directly to Singtel & Starhub using their website/app with Citibank Rewards card and have been awarded the 10X points for the past few months. However today I noticed my latest payment to Singtel has only 1X reward point, not sure if anyone else notice the change.

My last payment on 13 Feb still clocked 10x. When was yours?

(That said, since it’s not advertised as an eligible 10x type, I don’t think there’s any way to get it if you weren’t awarded, unfortunately!)

Mine was made end Feb to SingTel.

Called IRAS yesterday to check on the feasibility of paying my income taxes early – and they mentioned that Dec was too early to pay taxes.

When I asked on the possibility of advance payment to offset next year’s NOA, they said usually tax payments are expected in Aug / Sept of a year and that I shouldn’t try and pay this early.

But starting from January/February it is OK?

Honestly, I did not push them beyond that. Given that Citi is killing this option in 4 more days, does it even matter if we are able to pay in Jan / Feb?

Do they give the points base on transaction date or posting date?

Anyone have confirmation if HSBC Advance awards 10x points for E-AXS and E-SAM payments?

The only restriction for HSBC Advance is transaction bonus for EZ-Link will count a maximum of 200.

You cant use visa on E-AXS.

if I use the citi rewards card to pay my tax bill via cardup, will it give me the 10X points?

Also, assuming citi is having a promotion for existing card members for their premiermiles visa and premiermiles mastercard, 15,000 welcome miles in addition to 1.2miles per $1 if I swipe $10k. If I were to apply for both, does that mean they will give me 30K miles and 1.2*20K if I swipe 10K on each card?