Credit Cards Mobile Payments

Citibank is offering an insane 8 mpd with Apple Pay on selected cards till 31 July

Citibank Ultima, Prestige and Rewards cards earn 8 mpd with Apple Pay from now till 31 July 2018. In-app payments (eg Singapore Airlines) included too.

Citibank has kickstarted an absolutely amazing promotion with Apple Pay that runs from 26 April to 31 July 2018. With this promotion, you can earn up to 8 mpd on transactions made through Apple Pay on your Citibank Ultima, Citibank Prestige and Citibank Rewards cards, or 4 mpd with your Citibank Premiermiles card (only the Visa version, curiously).

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The promotion covers most Citibank cards, but the Ultima, Prestige and Rewards present the biggest bang for your buck as you’ll see in the table below (remember that 1 Citi Dollar= 0.4 miles):

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You can find the full T&C here.

Unfortunately, this is strictly for Apple Pay only. No love for those of us with Google Pay or Samsung Pay- we’ll have to keep using the OCBC Titanium Rewards for 4 mpd. However, if you have an iPhone that supports Apple Pay, you should absolutely be looking to get in on this deal while it lasts. Apple Pay is accepted so widely now (virtually every terminal that takes contactless payments will also accept Apple Pay, or other mobile payments for that matter) that this is tantamount to getting 8 mpd everywhere.

Terminals which I’ve successfully used Google Pay with. Apple Pay will also work here.

There is no cap on the bonus points you can earn through this promotion. Also, there is no suggestion within the T&C that this cap has anything to do with the $12,000 annual cap on 10X for department stores, bags, shoes and clothes.

The catch, if you want to call it that, is that if you’re using the Citibank Rewards card, the existing 10X (4 mpd) will override the 20X. That’s to say, if I use my Citibank Rewards card with Apple Pay at a department store, or any store that sells bags, clothes or shoes, I’ll earn 10X (4 mpd) points instead of 20X. Also, if you hold on to the Ultima, Prestige or Premiermiles cards, note that you will not earn the bonus if you pay in foreign currency.

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The other exciting aspect of this promotion is that in-app payments with Apple Pay are also covered. This means, for example, you could buy air tickets on the Singapore Airlines app and pay with Apple Pay and earn 8 mpd. Or you could pay for your Uber rides with Apple Pay and earn 8 mpd. Contrast this to the existing mobile payments promotion that’s ongoing with the OCBC Titanium Rewards card where in-app payments are specifically excluded.

Remember that Citibank has the widest range of points transfer partners in Singapore. In addition to the usual KrisFlyer and Asia Miles, you can transfer your points to British Airways Avios, Club Carlson, Etihad Guest, EVA Infinity Mileagelands, Air France/KLM Flying Blue, Garuda Frequent Flyer, IHG Rewards Club, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Privilege Club, Thai Royal Orchid Plus and Turkish Airlines Miles & Smiles. The annoying thing is your points don’t pool, so you can’t combine the Thank You points earned on the Citibank Prestige card with those earned on your Citibank Rewards card, for example.

Although my head spins with the sheer possibilities for 8 mpd everywhere, I am a loyal Blackberry Keyone user and sadly won’t be able to partake in this deal. I will however be instructing the iPhone-using (read: poser) Milelioness to act swiftly.

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If you don’t have a Citibank card yet, you can consider supporting the running of The Milelion by applying for one through the links below or in this article.

(HT: Wilfred on The Milelion’s Telegram Group)

Min Income
Annual Fee

$30,000

$192.60 (First Year Free)

Citi Rewards Visa

Get up to 22.8K miles by spending $3K within 3 months of signing up, and 4 miles per dollar on all your online and offline shopping.
  • New-to-bank customers who apply by 31 Jan 20 and spend $3K in first 3 months get up to 22,800 miles
  • Earn 4 mpd for all your online and offline shopping, capped at $12K of spend each card membership year. This includes purchases of bags, shoes and clothes as well as shopping at department stores
  • 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 Turkish Airlines
  • 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

more details

Apply Here
Min Income
Annual Fee

$120,000

$535

Citi Prestige Card

A high end card that features an excellent host of benefits such as unlimited lounge access, airport transfers and the fourth night free at any hotel around the world
  • Earn 1.3 mpd on local spending, 2.0 mpd on overseas spending, 10 mpd on Kaligo. A 5-30% relationship bonus is applied to your annual spending, depending on your tenure with Citibank
  • Unlimited Priority Pass lounge access for you and a guest, 8 airport transfers a year, fourth night free at any hotel around the world, unlimited WiFi access worldwide via Boingo and a 24 hour concierge
  • Get $200/$50 in Grab/NTUC/Taka vouchers for new/existing Citibank cardholders from SingSaver when you apply using the links below
  • Also get ad-hoc exclusive Citibank promotions such as the 1 for 1 $100 Gourmet
  • The Citi Prestige is one of the best cards in the $120-150K income range. Have a read of our comparison post here
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more details

Apply Here
Min Income
Annual Fee

$30,000

$192.60 (First Year Free)

Citi PremierMiles Visa

A great sign up offer and the widest range of airline partners of any bank in Singapore
  • New-to-bank customers who apply by 31 Jan 20 get 40K miles with $9K spend in the first 3 months and payment of the annual fee
  • Earn 1.2 mpd on local spending, 2 mpd on overseas spending, 3 mpd on Expedia, 7 mpd on Agoda and 10 mpd on Kaligo
  • The widest selection of partner airlines in Singapore- pick from KrisFlyer, Asia Miles, Qantas, Qatar Airways, Etihad, Thai, EVA, Malaysia Airlines, British Airways, Air France, Turkish Airlines, and KLM
  • Get 10K miles when you pay your annual fee
  • Note that Citibank points do not pool. If you earn points across different Citibank cards you'll need to pay separate conversion fees when you convert them to miles

more details

Apply Here

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WJ
Guest
WJ

Would this work with FavePay etc?

lifeonthego_k
Guest
lifeonthego_k

Wherever you can pay with apple pay it’ll work

HC
Guest
HC

Sorry for a stupid question – how to use ApplyPay in Grab app?

Aaron Wong
Admin
Aaron Wong

You can’t. Edited

lifeonthego_k
Guest
lifeonthego_k

cannot – Grab doesn’t offer the option.

KTan
Guest
KTan

Similarly, I have this question too.

rtw
Guest
rtw

Some questions :

1. Any idea when will the additional points be awarded to us? Instantly with the base rewards or do we have to wait a few months?
2. From the TnC, it means I can spend in foreign currency and get 8mpd with the Citi Rewards card?

Roy
Guest
Roy

I thought OCBC Titanium Rewards awards 10x OCBC$ on every S$1 spent on eligible categories. It is UOB that awards 10x UNI$ on every S$5 spent.

rtw
Guest
rtw

Yes sorry my mistake! Edited the original post 🙂

Jon Lee
Member

it’s UOB that awards UNI$ in multiple of S$5 spending

Cheryl
Guest
Cheryl

Hi is the Citibank rewards for anything payment as long as it is using Apple Pay? Thanks

Vk
Guest
Vk

Thanks Aaron! Never received any notifications from Citibank ;(

Owen
Guest
Owen

“Contrast this to the existing mobile payments promotion that’s ongoing with the OCBC Titanium Rewards card where in-app payments are specifically excluded”

I was unaware of this and bought flights through the SQ app in March have been awarded the Apple pay bonus points. It appears I’m not getting them on Uber rides.

ahboy
Guest
ahboy

Just a gentle correction : its till 31July

kevwong83
Member
kevwong83

Does anyone know if the 8mpd (20x) will applicable If I were to purchase a Macbook via the Apple Store iPhone App & pay via Apple Pay Or will it only be 4mpd (10x) due to the following: “The catch, if you want to call it that, is that if you’re using the Citibank Rewards card, the existing 10X (4 mpd) will override the 20X. That’s to say, if I use my Citibank Rewards card with Apple Pay at a department store, or any store that sells bags, clothes or shoes, I’ll earn 10X (4 mpd) points instead of 20X”… Read more »

Dax
Guest
Dax

It says under the TandC that for Citi PM visa that the “additional miles will not be awarded for retail purchases”. Is this a typo?

Leo
Guest
Leo

Retail txn in overseas currency bah.. Local sgdshldbe fine

Almerick
Guest
Almerick

Is there a cap to Apple Pay contact-less payment at retail stores? A lot of places still say there is $100 cap on “tap” payments.

Peachie
Guest
Peachie

I have use Apple Pay for > $100 but it’s amex @ SPC. I think the $100 cap is pegged to the merchant pos machine

Ken
Guest
Ken

Just used Apple Pay at Caltex to pay $126.. Citi gets ‘only’ 10% off pump prices vs SCB Visa Inifinite 25% (98 Octance).. Gonne crunch calculator keys to see if Citi’s 8mpd is worth the 15% discount loss over SCBVI’s 25% discount and 1.4mpd..

Tropikul
Guest
Tropikul

Is it true that there is no cap to the miles earned during this period? or is it limited by the cards own 120,000 rewards points limit?

Ken
Guest
Ken

No cap, until end Jul 2018

Zac
Guest
Zac

I went to recheck the terms and conditions recently, and correct me if my reading of it is wrong, but it seems to me that the 120,000 rewards points limit is per 60 months, instead of per card anniversary? The terms and conditions as stated below: 8. “Citi Dollars Period” means a period of 60 months commencing on the date when the (i) the Eligible Card is established, or (ii) the Eligible Card is renewed and each subsequent Citi Dollar Period will commence on the expiry of the previous one. (I am assuming here that renewal is based on card… Read more »

Ken
Guest
Ken

Hmmm… I may be wrong then.. apologies if I am.. Aaron..?

Louis Tan
Member

That line’s been pointed out a few times. I agree that it rationally reads that way – all I can say is that in practice, people have been observing that the cap kicks in annually at 120k.

Additionally, the website (under ’10x rewards’) also states that ’10X Rewards capped at maximum of 120,000 Rewards points per card anniversary year.’ – so I believe the T&C might simply be in error.

Ken
Guest
Ken

I’ve read 4-5 different pages of Ts & Cs.. they don’t always tally with each other.. adding the fact that different cards have different rules and perks doesn’t help.. Has anyone reached out to Citi for clarification?

jccy87
Member
jccy87

Empirical evidence… I have exhausted my 10X rewards for MC and Visa before and it resets on the card anniversary, not after 60 months.

Ken
Guest
Ken

I’ve phoned Citi directly and spoke to agent.. for Citi Prestige MC.. Veronica says no limit to 20X Rewards Points so long as latest 31 Jul 2018 and on Apple Pay and Local Spend.

Tropikul
Guest
Tropikul

But what about the Citi rewards card? I am crossing all my fingers and toes that the unlimited points earned during this period is true!!

praveen307
Member
praveen307

Checked for Rewards card and 20x was credited without issues, including foreign currency spend.
As to whether there’s a limit, we’ll have to go by whatever information is available now – so far there is no indication that there is a limit.

Miles Hedgehog
Guest
Miles Hedgehog

I got out of Premiermiles card because service was pretty bad and there were missing promo miles every time. With this promo, I feel like getting back to PM. However their Agoda promotion still confuses me. On the special land site, the instructions (but not the TnCs) say book a promo eligible hotel. However after trying multiple destinations, none of the hotel has the promo eligible sign. Am I doing something wrong?

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