Register quickly: Citi Rewards offering 8 mpd on food delivery, online shopping and more

Citibank has just launched a great new promotion for the Citi Rewards card that lets you earn up to 8 mpd on your online transactions.

From now till 30 June 2020, the first 10,000 cardmembers to register their Citi Rewards card will earn an additional 10X points (4 mpd) on food delivery, online pharmacy and leisure transactions, and an additional 4X points (1.6 mpd) on online and in-store groceries.

This is on top of the usual 10X points (4 mpd) earn rate for online transactions, allowing you to earn up to 20X points (8 mpd) total. Both the Citi Rewards Visa and Citi Rewards Mastercard are eligible.

Here’s how it works.

Registration

Before you even read the rest of this article, grab your phone and register your card, because the promotion is capped at the first 10,000 registered cardmembers. Send the following SMS to 72484:

RWONLINE<space><last 4 digits of your Citi Rewards card>

For example, if the last 4 digits of your card are 1234, you’d send “RWONLINE 1234”.

If you’re overseas (why?), you can still register by sending the keyword to +65 96572484.

The nice thing is that unlike certain other banks who shall remain nameless, Citi tells you if you’re still eligible for the promotion. You should see the following message confirming your registration:

Earn an additional 10X points for food delivery, pharmacy, shopping and Netflix

Transactions at the following online retail merchants will earn a bonus 10X points (4 mpd), on top of the existing 10X points already awarded for online transactions. This means you’ll earn a total of 8 mpd.

A healthy dose of caution should be applied for users of the Citi Rewards Mastercard however. Based on community-sourced datapoints, cardholders have not been receiving 10X for transactions at Amazon SG, iHerb, Deliveroo and foodpanda, notwithstanding the fact that Visa cardholders earn this with no issue.

Earn an additional 4X points for in-store or online grocery purchases

Transactions at the following supermarkets will earn a bonus 4X points (1.6 mpd), on top of the usual points.

What the “usual points” are here depends on where you transact.

• If you transact at the physical store, you’ll earn a total of 2 mpd (0.4 mpd base + 1.6 mpd bonus)
• If you transact online, you’ll earn a total of 5.6 mpd (0.4 mpd base + 3.6 mpd regular bonus for online transactions + 1.6 mpd bonus)

Here’s the different possibilities:

A total cap of S$1,000 applies

Whether you’re transacting at 4X or 10X merchants, the total additional rewards you can earn is capped at S$1,000 for the promotion period. This cap is separate from the existing 10X cap of S$1,000 for the statement month.

In other words, if you were to spend all S$1,000 on 10X merchants, you’d receive a total of 8,000 miles, split into:

• 4,000 base miles, as per the existing 10X T&Cs
• 4,000 bonus miles, as per this promotion

If you already maxed out your 10X allowance for the month, you will still earn an additional 10X for the first S$1,000 spent under this promotion.

Since 4X and 10X merchants share the same cap, you’d presumably want to funnel as much of your spending towards 10X merchants as possible.

If you want to buy groceries, one workaround is to purchase Cold Storage gift vouchers on Lazada, then spend them physically in-store. That way you’ll end up earning 8 mpd on groceries, instead of the maximum 5.6 mpd you’d otherwise have received.

Other things to note

The additional 4X or 10X rewards points will be credited to your account within 2 months from the end of the promotion period, i.e by 31 August 2020.

You can read the full terms & conditions here.

Conclusion

A fantastic promotion by Citibank, and one you’re going to want to register ASAP for.

Do note that there’s also a separate promotion for the Citi PremierMiles card, which I’ll write about separately and link here upon completion.