Incredible Deal: Free Apple Watch SE ($419)!

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Update 20/11/2020: Promotion is earlier due to overwhelming demand. Last day on 22nd November!

I really like Apple and I really like credit cards, which is why I’m very happy to bring you an incredible offer: sign up for your first Citibank card, and get a free Apple Watch SE (40mm) worth $419 🤯

Alternatively, you may opt for $300 cash credited to you via PayNow.

Deal details:

• Apple Watch SE (worth S$419) or S$300 cash via PayNow for all new Citibank cardmembers (don’t have a Citibank card, or cancelled all Citi cards more than 12 months ago)
• Existing Citibank cardmembers receive S$30 cash via PayNow
• Must activate the new credit card and make a qualifying transaction within 60 days of card approval (no minimum spending!)

First year’s annual fee is waived (except for Citi Prestige Card), and there is no obligation to continue with the card if you don’t find it useful.

Existing cardholders get $30 via PayNow, and after your first card application, you are free to pick up subsequent ones for $30 per card!

Important: remember to fill in the form in your email with your application reference number.

Citi cards

Promos are for new cardholders only, except for Citi Prestige promo which also works for existing cardholders.

Please click Apply under each card to see the most up to date promo.

Personally, I would pick the Citi PremierMiles as it gives free Priority Pass membership which offers complimentary lounge visits. For 4 mpd, CitiRewards is an excellent choice for online transactions and certain retail purchases. Citi Cash Back+ Mastercard® is also a good pick for fuss-free unlimited cashback.

Apple Watch SE and LumiHealth

The Apple Watch SE was released barely over a month ago. I got my first ever Apple Watch in 2015 and have had one around my wrist ever since. Notifications are really convenient, and the device has made me a lot more conscious about my fitness levels since.

Also, it’s a nice tie-in with LumiHealth for you to earn up to $380 in HPB eVouchers! This promo couldn’t have come at a better time.

What’s the catch?

The rewards are amazing, so what’s the catch? A few simple requirements:

• Apply using the links here for your first ever Citi card (or you have cancelled all your Citi cards more than 12 months ago)
• Important: note down the application reference number and fill in the rewards form in your email
• Activate and make at least $200 in qualifying transactions within 30 days of approval
• Receive your reward within 4 months

The specified wait time is a little long, but given how attractive the rewards are, a little turnaround time isn’t too unreasonable. They require time to verify the sign-up source as well as the minimum spend. Do read through all terms and conditions.

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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