Back: Big S$400 Cash Gift For Citi Credit Cards

Until 25th November 2024, apply for an eligible Citibank credit cards below as a new cardholder and get S$400 cash! Or you can also take your pick across a few choices of hot gadgets as your sign-up gift. Update 28/11/2024: apply from 28th November 2024 and get approved by 30th November 2024 to get S$450 instead!

This is a fantastic offer that was very popular last month and it’s back for one more time. The last time we saw S$400 cash gift for Citi cards was way back in 2022!

💳 A new Citi cardholder refers to those who do not currently have a principal Citi credit card, and have not cancelled any in the past 12 months. Please read terms and conditions while applying.

Promo Details

To qualify, sign up below as a new Citi cardholder and spend at least S$500 in eligible transactions within the first 30 days of card approval. According to SingSaver, gift fulfilment will be as soon as 4 weeks after the requirements are met. 

⚠️ Make sure to fill out the SingSaver Rewards Redemption form as there will not be any gifts if this step is not done.

There are also offers directly from Citibank itself. You can only choose one sign-up offer, so make sure you tap the right button. Check out my recommended cards below or see more Citi cards here. 

Also note that Citi PremierMiles has different gift options from the other cards.

For free lounge access

Citi PremierMiles gives 2 free lounge visits per year via Priority Pass.

For groceries, dining and/or petrol

Citi Cash Back gives 6% on dining and grocery spend plus 8% cashback on petrol. There’s a minimum spend of S$800 required for its earn rate, but you can easily meet the requirements by buying vouchers from your preferred supermarket.

Easy 4 miles per dollar

Citi Rewards is an easy-to-use card that gives 4 miles per dollar on online transactions. Pair the card with Instarem Amaze and you can get 4 miles per dollar even in physical stores by using your Amaze card.

For 5% on online spend

Citi SMRT gives a decent 5% cashback rate on online transactions. Unlike many other cards with a higher earn rate, Citi SMRT does not cap the amount of cashback you earn per month.

Instead, the limit is an annual cashback cap of S$600 which is good for S$12,000 of spend, making this card great for larger transactions. You can spend up to S$12,000 at one shot and get 5% provided it is not an excluded spend.

Stacks with Citi Prestige offer from Citibank

After signing up for your first Citibank card, definitely also look at the excellent Citi Prestige deal which has been recently extended. You can score 50,000 miles by meeting the requirements, and it is an excellent card for procuring miles during Citi PayAll promos.

It’s also gives free airport transfers and hotel nights, and I have been happily renewing the card for years since I’ve gotten it.

What to spend on?

You need to meet the minimum spend to qualify for rewards. Do note that there are transactions which are excluded. Read the terms and conditions carefully when applying.

Generally, retail transactions like buying stuff or dining out are very safe. Things like bill payments, education expenses and CardUp or ipaymy become a lot iffier and depends on the bank your card is from.

Do check out this article on what you can spend on to meet the minimum spend:

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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.

He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.

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Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).