Offline Shopping

Offline shopping refers in general to buying bags, shoes and clothes or shopping at department stores. There’s a proper list of qualifying MCCs for the Citibank Rewards Visa here and the OCBC Titanium Rewards card here. Titanium Rewards also gives 10X points for the purchase of electronics.




Min Income
Annual Fee

$30,000

$192.60 (First Year Free)

Citibank Rewards Visa

Earn up to 4 miles per dollar on all your online and offline shopping, and transfer them to the widest range of airlines offered by any bank
  • Earn 4 mpd for all your online and offline shopping, capped at $12,000 of spend each card membership year. This includes purchases of bags, shoes and clothes as well as shopping at department stores. Exhaust your cap? Get the Mastercard version and double your cap to $24,000
  • From now till 29 Jan 2018, enjoy 8 mpd on Amazon Prime Now purchases, capped at $1,000 each statement cycle
  • New Citibank customers can earn up to $120 of cashback for spending $200 in each of the first 6 months after application (if you're lost for ideas, buy Amazon or Qoo10 vouchers)
  • Points have a 5 year expiry and Citibank has the widest range of airline partners in Singapore- SIA, Cathay, Qantas, Qatar Airways, Air France, KLM, Etihad, Thai, Malaysia Airlines, British Airways, EVA, and Garuda
  • Remember that Citibank does not pool points among different cards.  This means you will have to pay a separate conversion fee for each credit card when you want to cash out your points

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Apply Here
Min Income
Annual Fee

$30,000

$192.60 (First 2 Years Free)

OCBC Titanium Rewards

Earn 4 miles per dollar wherever mobile payments are accepted, and for online and offline shopping
  • Earn 4 miles per dollar when you shop at department stores, electronics stores, babies' and children's wear, or clothes, shoes and bags both online and offline, in Singapore and overseas
  • From now till 31 December 2018, earn 4 mpd on personal care (drug stores and pharmacies) and mobile payments with Android Pay, Apple Pay and Samsung Pay
  • Bonus miles are capped at $12,000 of spend per card membership year. But apply for both the Blue and Pink version of the card and double that cap to $24,000 (96,000 miles)
  • Spending on the OCBC Titanium Rewards helps you earn bonus interest if you have an OCBC 360 account. Check out this article about bank accounts and miles cards

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