Citi Rewards Card — 4 mpd on Online & Offline Shopping
A versatile miles card earning 4 mpd on online shopping, ride-hailing, food delivery and offline department store spend, with a S$1,000 monthly cap.
Citi Rewards Card
Citi
Annual Fee
S$196.20
Minimum Income
S$30,000
Key Conditions
- •4 mpd on online shopping, ride-hailing, and food delivery
- •4 mpd on offline shopping at department stores and clothing stores
- •Combined cap of S$1,000/month for bonus categories
- •Excludes travel and mobile wallet transactions for bonus points
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View card details → [Affiliate]Earning Rates
mpd = miles per dollar spentCard information based on publicly available data as of April 2026.
| Category | Rate |
|---|---|
| OnlineOnline shopping, food delivery, and ride-hailing (excludes travel) (capped at S$1,000/mo) | 4 mpd |
| ContactlessOffline shopping at department and clothing stores (capped at S$1,000/mo) | 4 mpd |
| All other spend | 0.4 mpd |
Set your spend per category. Caps applied automatically.
Total
S$2,950
Reachable destinations (economy, one-way)
Citi Rewards Card vs DBS Woman's World Card vs HSBC Revolution Card
| At S$3,000/mo | Citi Rewards Card | DBS Woman's World Card | HSBC Revolution Card |
|---|---|---|---|
| Annual miles | 40,320 | 30,240 | 40,320 |
| Dining | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Groceries | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Transport | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Online | 1,200 (4 mpd) | 1,200 (4 mpd) | 1,200 (4 mpd) |
| Travel | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Contactless | 1,200 (4 mpd) | 120 (0.4 mpd) | 1,200 (4 mpd) |
| Overseas | 120 (0.4 mpd) | 360 (1.2 mpd) | 120 (0.4 mpd) |
| bills | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| insurance | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| general | 120 (0.4 mpd) | 120 (0.4 mpd) | 120 (0.4 mpd) |
| Annual fee | S$196.2 | S$196.2 | S$0 |
| Min income | S$30,000 | S$80,000 | S$30,000 |
Based on publicly listed rates as of April 2026.
About Citi Rewards Card
The Citi Rewards Card is a highly popular card that earns 4 miles per dollar (10 ThankYou Points) on virtually all online spend, as well as offline shopping at department and clothing stores. The bonus rate is capped at S$1,000 per statement month (combining all eligible categories). Unlike many straightforward 4 mpd cards, it strictly excludes travel-related transactions (like flight and hotel bookings) and mobile wallet payments. With an annual fee of S$196.20 and a minimum income requirement of S$30,000, the card remains accessible and provides flexible transfer options through the Citi ThankYou Rewards program.
Key Features
- •4 miles per dollar on most online transactions (excluding travel)
- •4 miles per dollar on offline retail shopping
- •Combined bonus cap of S$1,000 per month (yielding 4,000 miles maximum)
- •0.4 miles per dollar base rate on other spend
- •Citi ThankYou Points transfer to multiple airline partners
Miles Earning Breakdown
With a monthly spend of S$3,000, assuming you max out the S$1,000 cap on eligible online or offline shopping (4 mpd) and spend the remaining S$2,000 on general non-bonus categories (0.4 mpd), the card could earn approximately 4,800 miles per month. Since the base rate is incredibly low, putting general spending on this card beyond the S$1,000 cap drastically reduces the effective miles-earning capacity, suggesting it is best paired with a general flat-rate card like the Citi PremierMiles or UOB PRVI Miles.
Citi Rewards Card vs DBS Woman's World Card vs HSBC Revolution Card
Compared to the DBS Woman's World Card, which also offers 4 mpd on online spend but with a higher combined cap of S$2,000, the Citi Rewards may feel slightly restrictive for large online purchases. However, it compensates by including offline department store shopping in its 4 mpd array. Against the HSBC Revolution, the Citi Rewards excludes travel online spend, but includes ride-hailing and food delivery effortlessly without needing contactless offline usage.
Where Does Citi Rewards Card Earn the Most?
Online spending (e-commerce, food delivery apps like GrabFood and Foodpanda, and ride-hailing apps like Grab and Gojek) paired with physical department/clothing stores will earn the top 4 mpd rate. Everyday groceries, dining, and travel transactions will only earn the 0.4 mpd base rate.
Frequently Asked Questions
Does mobile wallet spend count towards the 4 mpd bonus?
No, transactions made via mobile wallets (like Apple Pay or Google Pay) at physical stores usually do not earn the 4 mpd bonus unless it is specifically at eligible offline merchants like clothing stores.
Can I use Citi Rewards to book flights online for 4 mpd?
No, travel transactions are heavily excluded from the online bonus category and will only earn the base rate of 0.4 mpd.
Last verified: April 2026
SGfi provides general information and comparison tools for educational purposes only. This does not constitute financial advice. Please consult a licensed financial advisor before making financial decisions. SGfi may receive compensation from partners featured on this site. Rates shown are based on publicly available information and may change.
SGfi is not a licensed financial advisor under MAS regulations. All miles values are KrisFlyer Saver Award Chart estimates. Actual availability may vary.