Citi Rewards extends sign up bonus till 31 December 2020; get up to 22,800 miles

New-to-bank customers can get up to 22,800 miles by spending S$3,000 on the Citi Rewards Card- a great option for online transactions.

Since January 2019, the Citi Rewards card has been running a sign-up bonus where cardholders can earn up to 22,800 miles by spending S$3,000 in the first 3 months of approval. 

This offer has been periodically extended, and the most recent iteration lapsed on 30 September 2020. Citibank has now renewed the offer till 31 December 2020. Do keep in mind that this offer is only available for applications made through the link below; you won’t be eligible for it if you apply via SingSaver. 

Apply Here

Citi Rewards Card sign up offer

New-to-bank Citi cardholders who apply by 31 December 2020 will receive 27,000 bonus ThankYou points (equivalent to 10,800 miles), when they spend S$3,000 in the first 3 months after approval 

💳 Citibank defines “new-to-bank” customers as those who do not hold a principal Citibank credit card now, or in the past 12 months before application

Assuming you spend the S$3,000 on eligible 10X categories (and if you don’t, you’re using this card wrong), you’re looking at a total of 57,000 ThankYou points (22,800 miles):

  • 3,000 base points for spending S$3,000
  • 27,000 bonus points for spending S$3,000 on 10X categories
  • 27,000 bonus points for hitting sign-up bonus
What are eligible 10X categories?

Eligible 10X categories include all spending at online merchants (excluding travel), and offline spending at merchants with the following MCCs:

  • MCC 5311: Department Stores
  • MCC 5611: Men’s and Boy’s Clothing and Accessories Stores
  • MCC 5621: Women’s Ready to Wear Store
  • MCC 5631: Women’s Accessory and Specialty Stores
  • MCC 5641: Children’s and Infant’s Wear Stores
  • MCC 5651: Family Clothing Stores
  • MCC 5655: Sports and Riding Apparel Stores
  • MCC 5661: Shoe Stores
  • MCC 5691: Men’s and Women’s Clothing Stores
  • MCC 5699: Miscellaneous Apparel and Accessory Shops
  • MCC 5948: Luggage and Leather Good Stores

Remember: the cap on 10X points is S$1,000 per statement month, so you’ll need to spread out your spending over the qualifying period to maximize your total miles.

The 27,000 bonus points will be credited within two calendar months of meeting the spending criteria. For example, if you hit it in the third month, you’ll receive the bonus points by the end of the fifth month.

Do remember that Citi has a rather generous definition of “first 3 months”- this includes the period from card approval to the end of the calendar month, plus three full calendar months after that. In other words, if you get approved on 2 October 2020, you’ll have until 31 January 2021 to meet the spending threshold. 

There is no cap on the number of cardholders who can receive this offer. The full T&C can be found here.

Why earn points with Citibank?

Citi points are one of the most useful points currencies in Singapore, thanks to the sheer number of transfer partners available.

Most banks offer just KrisFlyer, or at most, Asia Miles. Citi has 11 different transfer partners, including some with great sweet spots like Etihad Guest, British Airways Executive Club, and Turkish Airlines Miles&Smiles.

Citi ThankYou points can be transferred at the following ratio:

  Transfer Ratio
(Points: Miles)

Thank You points earned on the Citi Rewards card are valid 5 years from the date of card opening.

The downside is that Citi points do not pool. If you’ve accumulated points on both the Citi Rewards Card and Citi PremierMiles Card, those will not be combined for the purpose of redemption and you’ll have to pay two separate redemption fees (S$26.75 each).


This is the umpteenth time that Citibank has extended the Citi Rewards Card’s sign-up offer, so much so we can almost consider it an evergreen promotion. If you don’t already have this card, now’s as good a time as any to get one (but remember, it may be more beneficial to wait till SingSaver runs another S$300 cash offer for Citi card instead). 

I’ve updated the credit card sign up bonus page to reflect this latest information.

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

Similar Articles



Notify of

Inline Feedbacks
View all comments

has citibank fixed the missing points issue on the rewards MasterCard? They are trying to make me switch from Visa and I’m on the fence. I don’t want to deal witch checking my points monthly.