Citi Mastercard Million Dollar Giveaway: Win a S$20K Dream Vacation and Capella Hotel staycations

With the year-end shopping and travel season just around the corner, Citi Mastercard has launched a Million Dollar Giveaway, where 10 lucky winners will each receive S$20,000 to plan their Dream Holiday anywhere in the world.

In addition to this, cardholders can also look forward to a spend-and-redeem promotion in November, which will offer 700x 1-night Capella Singapore staycations, complete with breakfast and late check-out.

All you need to do is charge your purchases to an eligible Citi Mastercard Credit Card between now and the end of the promotion period.

Win a Dream Holiday

From 1 October to 31 December 2025, eligible Citi Mastercard Cardmembers can win a Dream Holiday (worth up to S$20,000) by accumulating lucky draw chances from their card spending.

A minimum qualifying spend of S$3,000 is required to participate, and chances are awarded as follows:

For example, a regular cardmember who spends S$3,000 will receive 6x chances, while a cardmember with Citigold or Citigold Private Client status would receive 12x chances.

A few important points to note:

• There is no limit on the total chances that can be earned
• Spending can be combined across multiple eligible cards
• Spending made on supplementary cards will be counted as part of the principal cardholder’s

The lucky draw will be conducted in March 2026, and a total of 10 prizes awarded. Winners will be announced by 20 March 2026 and will be notified via the Citi Mobile App.

How does the Dream Holiday prize work?

Lucky draw winners will get the chance to customise their own Dream Holiday with Trip.com, with a budget of S$20,000 to cover flights, hotels, trains, airport transfers, car rentals, attractions and tours. 

Who you want to bring, where you want to go, and what you want to do are completely up to you. You could see the Northern Lights in Iceland, catch Carnival in Rio de Janeiro, go on safari in the Serengeti, or go hot air ballooning over Cappadocia. And if you’re struck by decision paralysis, the Trip.com team can help put something together too.

Capella Singapore staycation

On 1 November 2025, Citi will be launching a separate giveaway of 700x 1-night Capella staycations, under a spend-and-redeem promotion. The stay includes a Premier Garden King Room, 2 p.m late check-out, and daily breakfast for up to two adult guests and two children under the age of 12. 

To qualify, enrol and spend at least S$10,000 on your eligible Citi Mastercard Credit Card from 1 November to 31 December 2025. Enrolment can be done by sending the following SMS to 72484.

Qualifying spend can be accumulated across multiple eligible cards, and the spending of the supplementary cardholder will be added to the principal cardholder.

Which cards are eligible?

The following Citi Mastercard Credit Cards are eligible for the Million Dollar Giveaway.

The three main cards that miles chasers will usually focus on using include the Citi Rewards Card, Citi PremierMiles Card and Citi Prestige Card.

Citi Rewards Card
Min. Income	S$30,000
Annual Fee	S$196.20 (First Year Free)
Key Features	10X ThankYou points per S$1 (4 miles per S$1) on online spending (excluding travel and in-app mobile wallet) 10X ThankYou points per S$1 (4 miles per S$1) on offline spending at department stores, and stores selling bags, shoes and clothes
Welcome Offer (Ends 28 Feb 2026)	40,000 bonus ThankYou points (16,000 miles) with a minimum qualifying spend of S$800 within the first 2 months of approval T&Cs

Citi PremierMiles Card
Min. Income	S$30,000
Annual Fee	S$196.20 (First Year Free)
Key Features	1.2 Citi Miles per S$1 for spending in SGD 2.2 Citi Miles per S$1 for spending in FCY 7.2 Citi Miles per S$1 for Agoda bookings 10 Citi Miles per S$1 for Kaligo bookings 2x Priority Pass visits per calendar year Complimentary travel insurance with up to S$1M coverage (for trips up till 31 March 2026)
Welcome Offer (Ends 30 Sep 2025)	Up to 30,000 bonus Citi Miles and S$100 Trip.com gift card for spending S$800 within the first 2 months of approval T&Cs (30,000 miles) T&Cs (S$100 Trip.com gift card)

Citi Prestige Card
Min. Income	S$120,000
Annual Fee	S$651.82
Key Features	3.25 ThankYou points (1.3 miles) per S$1 for spending in SGD 5 ThankYou points (2 miles) per S$1 for spending in FCY 4th Night Free on hotels booked through the Citi Prestige Concierge 6x complimentary golf games 12x Priority Pass visits per calendar year 2x complimentary airport limo rides with min. spend of S$12,000 in a calendar quarter
Welcome Offer (Ends 31 Jan 2026)	142,500 ThankYou points (57,000 miles) for spending S$2,000 within the first 2 months of approval T&Cs

What counts as qualifying spend?

Qualifying spend is defined as online and offline retail purchases made in SGD or FCY, excluding the following.

Key exclusions to highlight include education, government services, insurance premiums, charitable donations, prepaid account top-ups and Citi PayAll transactions. I’ve also confirmed with Citi that CardUp and ipaymy transactions will not count towards qualifying spend as well, as they run afoul of clause (iii).

Minimum spend and qualifying spend will be tracked by transaction date based on Singapore time. Therefore, you can safely spend up to the last day of the promotion period. 

Terms & Conditions

The T&Cs for this promotion can be found here.

Conclusion

The Citi Mastercard Million Dollar Giveaway has now kicked off, and Citi Mastercard Credit Cardmembers can start accumulating chances towards the Dream Holiday lucky draw. Remember, you need to spend at least S$3,000 to be eligible for the draw, and customers with Citigold/Citigold Private Client status will earn double the chances.

Be sure to check the Citi Mastercard Million Dollar Giveaway webpage on 1 November for updates on how to win one of the 700x 1-night Capella Singapore staycations.