Hot Deal: Get S$400 Cashback With Citi M1 Card
New to Citibank credit cards or haven’t had one in the past 12 months? Apply for the Citi M1 card, meet the requirements, and walk away with a cool S$400 cashback!
Citi M1 was recently revamped and it has its users even for people who aren’t M1 customers. On top of 3% cashback for M1 bills and M1 shop spend, it also gives 5% cashback for certain Entertainment expenses.
💳 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, you need to sign up for Citi M1 through Citi Promo below and spend S$800 within the first 2 months of card approval. You must also charge any amount via your M1 telco bill or at an M1 shop to qualify. M1 users shouldn’t have an issue fulfilling this criteria, and even non-M1 customers can buy some cheap phone accessory or pre-paid SIM card from M1 shops to satisfy this criteria. See terms and conditions here.
There is also an alternate promo from SingSaver and other Citi cards to choose from, but I think S$400 cashback is difficult to beat.
Citi M1
Get 5% cashback on Entertainment spending and 3% cashback on M1 bills/shop with no minimum spend required. Read the review.
🎁 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
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:
Don’t forget Citi Prestige too
After getting your Citibank credit card, remember to also sign up for Citi Prestige. The Citi Prestige promo is applicable to new and existing cardholders, so the best way to optimise it is to get another Citi card first, then apply for the Citi Prestige card to enjoy two sets of sign-up rewards.
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
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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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