In August 2022, Citibank boosted the welcome offer for its popular Citi Rewards Card to 40,000 bonus ThankYou points (16,000 miles) with a minimum spend of just S$800
Since then, the offer has been renewed every few months, and itโs now been extended once againโthis time until 28 February 2026. Keeping the same welcome offer in place for over 3.5 years is remarkable indeed!
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| Apply here |
The Citi Rewards Card is a key part of my overall credit card strategy, and if you donโt have one yet, this is a great time to hop onboard.
Citi Rewards 16,000 miles sign-up offer
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| Apply |
| T&Cs |
New-to-bank customers who apply for a Citi Rewards Card by 28 February 2026 will receive 40,000 ThankYou points (equivalent to 16,000 miles) when they:
- Apply online for a Citi Rewards Card
- Get approved within 30 days from application
- Make a qualifying spend of at least S$800 within the first 2 months of approval
The first yearโs annual fee is waived.
| โ New-to-bank Definition |
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New-to-bank customers are defined as those who:
Debit cards, supplementary cards and corporate cards do not count. |
These bonus points are on top of the regular base earn rate, and the best way to maximise this is to clock the entire S$800 spend on the Citi Rewards Cardโs 10X (4 mpd) categories.
| โ What are 10X categories? |
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The Citi Rewards Card will earn 10X points (equivalent to 4 mpd) on the following categories of spend:
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For example, if you clock the S$800 minimum spend entirely on 10X categories, youโll receive a total of 48,000 ThankYou points (19,200 miles), broken down into:
- 8,000 ThankYou points for spending S$800 online (@ 10 points/S$1)
- 40,000 ThankYou points for meeting the minimum spend for the welcome offer
An easy way of doing this is to pair your Citi Rewards with the Amaze Card. Amaze keeps the MCC the same, but converts all transactions into online spending.
The catch is that Amaze now charges a 1% fee (min. S$0.50) on all SGD-denominated spend, ever since 10 March 2025. The table below illustrates how the fee affects your cost per mile.
| ๐ณ 1% Fee and 4 mpd |
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| Trxn (S$) | Fee (S$) | Fee (%) | CPM |
| S$3 | S$0.50 | 16.7% | 4.17ยข |
| S$5 | S$0.50 | 10% | 2.50ยข |
| S$10 | S$0.50 | 5% | 1.25ยข |
| S$20 | S$0.50 | 2.5% | 0.63ยข |
| S$30 | S$0.50 | 1.7% | 0.42ยข |
| S$40 | S$0.50 | 1.3% | 0.31ยข |
| S$50 | S$0.50 | 1% | 0.25ยข |
Mind you, the actual figure is higher once the opportunity cost is factored in. For example, if you could have spent the same amount on a 1.4 mpd card with no fees, then the Amaze x Citi Rewards pairing is really giving you an incremental 2.6 mpd, not 4 mpd.
Only you can decide whether the fee is worth it, but otherwise FCY spending with the Amaze Card remains free of fees.
What counts as qualifying spend?
Successful applicants must spend at least S$800 within the first two months of approval, otherwise known as the qualifying period.
The qualifying period for meeting the minimum spend runs from the approval date and two full calendar months following that. For example, those approved on 1 March 2025 will have until 31 May 2025 to meet the minimum spend.
In other words, you actually have 2-3 months to hit the minimum spend, and should apply as early in the month as possible to stretch that period.
Qualifying spend excludes the following:
| โ Qualifying Spend Exclusions |
| (i) any Equal Payment Plan (EPP) purchases, (ii) refunded/disputed/unauthorised/fraudulent retail purchases, (iii) Quick Cash and other instalment loans, (iv) Citi PayLite/Citi Flexibill/cash advance/quasi-cash transactions/balance transfers/annual card membership fees/interest/goods and services taxes, (v) bill payments made using the Eligible Card as a source of funds, (vi) late payment fees and (vii) any other form of service/ miscellaneous fees (vii) Citi PayAll transactions where the customer is not charged the Citi PayAll service fee |
For the avoidance of doubt, Citi PayAll transactions will count towards qualifying spend, but only if the admin fee is paid. Prior to 2 May 2023, even no-fee payments would count as qualifying spend!
Citi PayAll currently supports the following payments:
| ๐ฐ Citi PayAll: Supported Payments | |
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I recently clarified with Citibank that transactions such as insurance premiums, charitable donations and GrabPay top-ups will count towards qualifying spend, even though theyโre ineligible to earn base points.
Of course, thereโs very little reason to spend on these categories, when Amaze makes it so easy to meet the minimum spend and earn 10X points in the process!
When will the miles be credited?
The 40,000 ThankYou points will be credited within three calendar months from the end of the minimum spend period.
What can you do with ThankYou points?
Citi ThankYou points are extremely flexible, with 11 different transfer partners to choose from. This includes some programmes with good sweet spots, such as EVA Air Infinity MileageLands and Flying Blue.
| Partner | Transfer Ratio (ThankYou Points: Miles) |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
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25,000:10,000 |
Transfers cost a flat S$27.25, regardless of the number of points converted. Citibank does not pool points across cards, so if you have both a Citi Prestige and Citi Rewards, youโll need to pay two conversion fees.
Citi ThankYou points earned on the Citi Rewards Card are valid for up to five years. In practice, some points can be valid for as little as three months. Itโs a bit confusing, but Iโve explained how it works in the article below.
SingSaver alternative
If this offer isnโt to your liking, an alternative option is available for applications made via SingSaver (you cannot stack the Citi and SingSaver offers).
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| Apply |
| T&Cs |
New-to-bank customers who apply via SingSaver and spend at least S$500 within 30 days of approval can pick one of the following gifts:
- Dyson Airwrap Origin
- S$450 Shopee voucher
- Hinomi H1 Pro V2 Ergonomic Office Chair
- S$400 cash
Be sure to follow the steps below:
- Apply through this link
- You will be directed to a SingSaver landing page. Enter your email address and click โconfirmโ
- Complete your application and take a screenshot of the Application Reference Number (for Citibank, itโs 12 alphanumeric characters)
- Fill in the SingSaver rewards form that will be sent to your email. Itโs vital you fill in the formโ no form, no reward.
Do note that the gifts above are accurate at the time of writing, but may change throughout the month. Youโll always see the latest gifts reflected on the landing page, and in the T&Cs.
Overview: Citi Rewards Card
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| Apply | |||
| Income Req. | S$30,000 p.a. | Points Validity | Up to 5 Yrs. |
| Annual Fee | S$196.20 (First Year Free) |
Min. Transfer |
25,000 TY points (10,000 miles) |
| FCY Fee | 3.25% | Transfer Fee | S$27.25 |
| Local Earn | 0.4 mpd | Points Pool? | No |
| FCY Earn | 0.4 mpd | Lounge Access? | No |
| Special Earn | 4 mpd on online spend | Airport Limo? | No |
| Cardholder Terms and Conditions | |||
The Citi Rewards Card has a minimum income requirement of S$30,000 p.a., and a S$196.20 annual fee which is automatically waived for the first year.
Cardholders will earn 4 mpd on all online transactions, with the exception of travel and in-app mobile wallet payments.
Read a full review of the Citi Rewards Card below.
Conclusion
Citibank has once again extended its sign-up bonus for the Citi Rewards Card, which offers 16,000 bonus miles with a minimum spend of S$800. No annual fee is necessary, and if the minimum spend is clocked on eligible 10X categories, a total return of 19,200 miles can be earned.
Remember to submit your application by 28 February 2026 if youโre interested.
Just a quick question, existing users (CRV) donโt get anything for this sign up right?
Doubt anyone should choose the 16K miles offer as long as the singsaver offer with 400 SGD in hard cash is available.
Covers almost the annual fee for the Prestige (if youโre eligible) that gives 25K miles + a bunch of other benefits.
Nah, a bird in hand is better than two in the bush.
Singsaver makes you jump through loops to get the reward. Not to mention the long waiting time and the occasional โforgetโ to pay up after several months.
Hi, has anyone paired this with Amaze card and tried using it for overseas spending on Dining (specifically)? Would you be able to get 4MPD?
A little confused by the Amaze+CitiRewards combo exclusions.
Yes it works with amaze dining overseas.
Few questions on this:
1. Now that Citi Rewards seems to provide the opportunity to earn bonus points on particular in-store/offline purchases, do we need to pair it with an Amaze card?
2. It seems as though digitizing the Citibank Reward card on say Google Pay, and using it in a contactless fashion via Google Pay in-stores also lets us earn the bonus points. Again, whatโs the utility of pairing it with Amaze?
I am perhaps missing something here. Iโve read all the milelion pieces on this, but how to make this card work seems rather nebulous to me still.
Yes, youโd need to pair with an Amaze card. This is to ensure the transaction is considered as an online transaction โ which qualifies for the bonus point.
See above
Are internet service providers counted as online?
Anyone else didnโt receive their 40,000 ThankYou points within the timeframe promised? Mine was approved in Nov 2023, should be credited my 40,000 by Apr 2024. Itโs May now and still nothing.
Pardon my ignorance but in short does it mean its either I get the 40,000 thank you points or the SingSaver/MoneySmart Free Gifts?
Appreciate the reply everyone thank you.
Hi Aaron, may I know if pay via Cardup is count towards the signup bonus qualifying spend? Thanks
Aaron, I just like to check something. If I just want to hit the $800 spending just to qualify for the welcome gift (equivalent to 16,000 miles), would using the card to purchase air tickets fulfils it or just canโt?