Citi PayAll hikes service fee to 2.6%

From 22 April 2024, all Citi PayAll transactions now incur a service fee of 2.6%, up from the previous 2.2%.

Back in April 2023, Citi PayAll hiked its admin fee from 2% to 2.2%, while simultaneously  launching a 2.2 mpd promotion on all payments. The promo ended, but the 2.2% fee remained- perhaps the best example of “give chicken wing, take back whole chicken.”

And it looks like the chickens haven’t finished coming home to roost yet, because Citi has just unveiled a second fee hike in as many years: a 2.6% service fee, effective immediately.

As expected, there’s another promo to soften the blow— 2 mpd on tax payments and 1.6 mpd on non-tax payments — but that again is a limited-time offer, while the increased fees are here to stay.

Citi PayAll hikes service fee to 2.6%

Citi PayAll

Effective 22 April 2024, 10 a.m, Citi PayAll has increased its service fee from 2.2% to 2.6%. The new service fee is already reflected in the Citi Mobile App. 

As was the case during the previous fee hike, Citi will be grandfathering in the payments set up before the cutoff, whether one-time or recurring:

  • Any Citi PayAll payment setup prior to 22 April 2024, 10 a.m (SGT): 2.2% fee
  • Any Citi PayAll payment setup from 22 April 2024, 10 a.m (SGT): 2.6% fee

Here’s how the cost per mile increases for Citi cards with a 2.6% service fee.

Card Earn Rate Cost Per Mile 
(@ 2.6% fee)
Citi ULTIMA 1.6 mpd 1.38¢
Citi Prestige 1.3 mpd 1.69¢
Citi PremierMiles  1.2 mpd 1.83¢

Citi Rewards 0.4 mpd 5.5¢

As you can see, the cost per mile has increased from 1.38-5.5 cents to 1.63-6.5 cents. Since the ULTIMA is reserved for a select few, most cardholders will be looking at paying at least 2 cents per mile outside of promotions, which I reckon is too high. 

❓ How is the cost per mile derived?

By way of illustration, suppose you setup a S$1,000 Citi PayAll transaction on your Citi PremierMiles Card:

  • A total of S$1,026 will be charged to your card (S$1,000 payment + S$26 admin fee)
  • 1,200 Citi Miles will be credited to your account (the admin fee is not eligible to earn miles)
  • You’ve paid S$26 for 1,200 miles, an effective cost of 2.17 cents per mile

For what it’s worth, fee-paying Citi PayAll transactions will continue to count towards the minimum spend for:

CardUp is now the cheaper option!

One big implication of the revised 2.6% service fee is that going forward, in the absence of a promotion, CardUp (2.25% fee) now becomes a cheaper option for paying bills than Citi PayAll- even for Citi cards.

Card CardUp
(2.25% fee)^
Citi PayAll
(2.6% fee)
Citi ULTIMA 1.38¢ 1.63¢
Citi Prestige 1.69¢ 2.00¢
Citi PremierMiles  1.83¢ 2.17¢
Citi Rewards 5.5¢ 6.50¢
Note: With CardUp, both the admin fee and amount paid earn miles. With Citi PayAll, only the amount paid earns miles
^Use code GET225 for 2.25% fee

Don’t forget that CardUp has already launched its income tax promotions for this year, which offer a fee of 1.75% (Visa) or 1.99% (Mastercard)

  Visa Mastercard
Admin Fee 1.75% 1.99%
Schedule by 31 Aug 24 31 Aug 24
Due by 25 Mar 25 11 Sep 24
Valid For One-off or recurring One-off


Citi PayAll has hiked its service fee from 2.2% to 2.6%, the second increase in as many years. This raises the cost per mile to at least 2 cents for the vast majority of cardholders, and at that price, I’m not a buyer.

Even though we all knew from the start that Citi’s insane PayAll spending spree couldn’t last forever, that doesn’t make it any less painful. It was just two years ago that we were basking in 2.5 mpd promos with 2% admin fees!

I’ve covered the details of the just-announced Citi PayAll promotion in a separate post, so be sure to have a read of that as well. 

Citi PayAll offer: 2 mpd on tax payments, 1.6 mpd on non-tax payments

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

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Does cardup payments by Citi count towards the minimum spend for Limo Rides?


That pretty much “kills” Citi Payall. It was great while it lasted. 2021 through 2023 aquiring miles under $8/1000 most of the time was fabulous. It seems the “miles game” is slowly but surely being destroyed. From Citi Payall, to lowered limits on cards with 4mpd. The list of cut-back’s and nurfs is long. A couple more years at this rate, and the only practical way to fly premium again will be to pay premium $. The miles “game” is coming to and end.