Hot Deal: Get Big S$400 Cash Gift or Gadget of Choice With Citi Credit Cards
Update: Citi M1 card still gives S$400 cashback offer!
New to Citibank credit cards? Here are 400 reasons to change that: get S$400 cash or a gadget of your choice when you sign up below with SingSaver’s promo.
The last time Citibank offered as much as S$400 was in late 2022, and there are only days left to get this deal before it ends on 31st October 2024.
💳 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. SingSaver specifies a gift fulfilment of 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.
For free lounge access
Citi PremierMiles gives 2 free lounge visits per year via Priority Pass.
Citi PremierMiles
Get 1.2 mpd on eligible transactions. Get free Priority Pass membership which grants 2 complimentary lounge visits a year!
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
For groceries, dining and/or petrol
Citi Cash Back gives 6% on dining and grocery spend plus 8% cashback on petrol.
Citi Cash Back
Get 8% cashback on private commute and petrol, as well as 6% on groceries and dining! Read the review here
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
Easy 4 miles per dollar
Citi Rewards is an easy-to-use card that gives 4 miles per dollar on online transactions. In store spending? Pair it with Instarem Amaze, use your Amaze card to pay and you also get 4 miles per dollar this way!
Citi Rewards
Get 10X ThankYou Points (4 mpd or 2.27% cashback) on online and shopping transactions. Read the review here
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
For 5% on online spend
Citi SMRT gives a high 5% cashback rate on online transactions with no monthly cap! The only limit is an annual cashback cap of S$600 which is good for S$12,000 of spend, making this card great for big purchases.
Citi SMRT
One of the few high-earn cards with no monthly cap! Gives 5% cashback on online transactions with annual spend cap of S$12,000. Read the review here.
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
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 great for free airport transfers and hotel nights, and I have been happily renewing the card for years since I’ve gotten it.
Citi Prestige
If code is required, use
A3021619132Q
Complimentary hotel nights, unlimited lounge access, and airport transfers can make up for the S$651.82 annual fee. S$120,000 annual income requirement. Read the review here
💳 New Cardholders
If you are new Citibank cardholder, I would encourage you to sign up for another Citibank card first so that you can enjoy both welcome offers!
🎁 Welcome Gift
For new or existing Citi cardholders, sign up by 30th November 2026 and pay annual fee of S$651.82 to qualify for sign-up offer:
| Welcome Gift | Bonus Gift | |
|---|---|---|
| Citigold | 80,000 points (32,000 miles) | 82,500 points (33,000 miles) |
| Retail | 50,000 points (20,000 miles) | 62,500 points (25,000 miles) |
Minimum spend required in first 2 months
⚠️ Important Steps
- Apply for the card with link provided (you may need to turn off content blockers)
- Make payment for S$651.82 annual fee when it is charged to statement
- Minimum spend required in first 2 months from card approval
- Citigold Private Client: S$10,000
Citigold: S$12,000
Retail: S$14,000
For reference only; refer to exact details in terms and conditions
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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