Citi Credit Cards Review 2021 | Citi Rewards, PremierMiles, Cashback, SMRT

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Do you like Free money? I’m sure everyone does!
But did you know that Citi actually offers one of the best sign up gifts for new credit card holders
In this video, I will review all the Citi Credit Cards I have, and analyze the good and bad about it as a user, so that you don’t have to!

00:00 Introduction
00:45 Citi Premermiles
+ 1.2 miles per S$1 spent locally
+ 2 miles per S$1 spent in foreign currency
+ Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
+ Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll
+ 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide
+ Up to S$1 million travel insurance coverage when you charge your travel tickets to this card

- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles
- Service fee applies to Citi PayAll facility

01:57 Citi Cashback
+ 6% cashback on dining at restaurants, cafes, fast food eateries, and caterers (local & overseas)
+ 8% cashback on grocery shopping, both online and at major supermarkets (local & overseas)
+ Up to 20.88% savings at Esso and Shell, inclusive of 8% cashback for petrol spending
+ Up to S$1 million travel insurance coverage when you charge your travel tickets to this card
+ 0.25% cashback for all other spending, even if you do not meet the min. monthly spend

- Min. monthly spend of S$800 required to earn bonus cashback
- S$80 combined cashback cap across all categories

- Refer to earlier Citi SMRT Card review video link here
- Min $500 per statement month to get 5% cashback on
- Groceries (MCC 5411), Online (exclude mobile wallet and travel), EZ-Link Auto top-up & SimplyGo, Taxis & Private hire rides (MCC 4121)
- Redeem in blocks of $10
- Max of $600 SMRT per annum

03:41 Citi Rewards
+ 10X rewards points (4 miles per S$1) on online spending except travel. Terms and Conditions apply
+ Online category includes online shopping, taxi/ride-hailing apps, food delivery, online groceries
+ 10X rewards points (4 miles per S$1) on offline fashion shopping and department stores.
+ 1X reward point for every S$1 on all other spending
+ No min. spend required
+ Rewards points conversion rates: 4,400 points = S$10 cash rebate, 25,000 points = 10,000 miles

- 10X rewards are capped at 10,000 points per month i.e. S$1,000 spent
- 10X rewards excludes travel purchases online and non-fashion purchases offline
* Points expire 5 years from card activation date (points earned in Year 4 will still expire by Year 5)

06:22 Citi Cashback+ (I don’t have it)
+ 1.6% cashback on all eligible spending with no min. spend and no cap
+ Cashback earned does not expire
+ Redeem cashback instantly via SMS or Citi Pay with Points.
+ Up to 14% discount at Esso and Shell petrol stations
- Cash rebates can be redeemed only in denominations of S$10, S$20 or S$50 via SMS

06:59 Citi Credit Card Sign up Bonus
- Singsaver sign-up gifts OR Cash via PayNow
- Promotion now is $350 Cash or Dyson V8 Slim Fluffy vacuum or Samsung Galaxy Tab A7
- Full disclosure on affiliate commission

#citi #singsaver #creditcard

[HoneyMoneySG]

Sign up for the following Citi Credit cards to get your $350 Cash via PayNow

[Gottakeepmovin]

Just applied for a citibank rewards card this afternoon and super thankful for this informative video 🤩

[HoneyMoneySG]

Also follow my socials!
Follow my Instagram: @HoneyMoneySG

[leslietang]

Thanks for the valuable video, learnt a lot more about Credit Cards in Singapore! Also signed up for my first Credit Card for the $350!

[MegaCHRISPANG]

which is the best credit card (cashback) for utilities such as mobile, water and electricity?

[DAVIDOFF-znne]

Hi Chris, thanks for the great content. Which cashback card would be the best one for paying monthly condo rent, tuition and car insurance? It doesn't have to be Citi cards. You can recommend any brands.

[_sam.raja_]

Hey man, can you make a video explaining about miles and like how to redeem it!

[JohnWick-prbe]

Ohh no seems like reward cards have better mile coverage. But I already have the premiles card :(
Can I stack my milage? From my prevmiles card mileage and reward cards milage

[PaanHilmi]

Hi, can you review Citi Simplicity card ?

[ynjing]

Hi Chris, thx for the efforts to make this great video!
I want to apply for citi cashback card, but I am wondering whats the coverage of dining. Does it include the online food delivery as well as local hawker stalls which accepting contactless payment? Or It is restrict to dine in at restaurant or Cafes only. Thank you

[syaficat]

Hi for the moneysmart promo for $500 eligible spend on Citi rewards card to get the iPad, do you have any idea if I can use it for hotel
Bookings?

[MrSpadeSoldier]

does the citibank+ has the same petrol benefits up to 20.88% as the normal citibank card?

[dyhawxyde]

Thanks for the video!
Something not clear sometimes, when ordering food online (grab, foodpanda, etc.) what category is it ?
Like, would the city Cashback card have eligible ordering food?
I am looking for a card that have cashback for food ordering, dining out and groceries (UOB One minimum spending is too high for me there).

Thanks!

[owariz]

Hello, any chance for metal credit cards review in future?

[annadelmundo]

Hi, thanks for sharing.
Btw, may I know if shopee SUPERMARKET is eligible for 8% cash back (citi cash back MasterCard)? TIA

[shadoween]

for the minimum spend of 500. is it allowed for accumulated transactions or must it be 500 on a single spend

[jonachan]

If I convert the points to miles, will it expire?

[dcat]

Citi bank is deceitful! Cancel credit cards!😡😡😡😡😡