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Citi Rewards Card cashback rate, cap and annual fee

Citi Rewards Card pays 2.27% at department stores, clothing, shoes and bags, in store — on the first SGD 1,000 you spend on it each month, which is where the SGD 22.70 cap stops it. The card costs SGD 196.20 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Citibank · Singapore · catalogue v117

Read from Citibank's own published terms on 29 Oct 2026.

SGD 196.20Annual fee
SGD 1,000Spend at the top rate, a month
2.27%Best rate

What it pays, by category

SpendingRateMonthly cap
department stores, clothing, shoes and bags, in storeretail and department stores2.27%SGD 22.70reached at SGD 1,000 of spend10 points per S$1 at department stores and clothing, shoe, bag and luggage stores (MCC 5311, 5611 to 5699, 5948), in store. 9,000 bonus points a state
online, not travel or walletsonline and delivery2.27%SGD 22.70reached at SGD 1,000 of spend10 points per S$1 online, excluding mobile wallets and anything travel-related (airlines, hotels, car rental, travel agents, transport). Shares the 9,
everything else0.23%—1 ThankYou Point per S$1 on all other qualifying spend.
Valued through Citi ThankYou (440 points = S$1), so the 10X is 2.27% and the base 0.23%. 10X at shoe, bag and clothing stores and department stores and on online spend that is not travel, sharing 9,000 bonus points a statement month (S$1,000 of spend); 1X elsewhere. Points last 60 months. S$196.20 a year including GST, first year waived. Foreign currency administrative fee 3.25%. Issued as Visa Signature and World Mastercard; the Visa is recorded. Source: citibank.com.sg Citi Rewards page, the 10X Rewards Promotion terms and the Pay with Points page, read 29 Oct 2026.

Questions people ask

What cashback does the Citi Rewards Card pay?

2.27% at department stores, clothing, shoes and bags, in store, 2.27% at online, not travel or wallets and 0.23% on everything else. The top rate is capped at SGD 22.70 a month.

Is there a cap on the Citi Rewards Card?

Yes. department stores, clothing, shoes and bags, in store is capped at SGD 22.70 a month; online, not travel or wallets is capped at SGD 22.70 a month.

What is the annual fee on the Citi Rewards Card?

SGD 196.20 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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