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Pay Citibank Credit Card Bill With Reward Points – Last time I checked Citi Rewards, Grab gives 4 miles per dollar as an add-on, it’s listed in the Visa options, and Covid isn’t even mentioned. Needless to say, things have changed a bit and it’s time to update some old card reviews that are still relevant today.
The Citi Rewards Card offers 10x points per dollar spent on apparel and in-store as well as online retail transactions (excluding mobile wallet and travel transactions). While spending on clothes is a fairly specific category, online spending is much more widespread and convenient because we can buy almost anything online these days.
Pay Citibank Credit Card Bill With Reward Points
With the Amaze Card, Citi Rewards also becomes an offline card. In fact, when you add your Citi Rewards card to your Instarem Amaze app and charge your Amaze card to it, the transaction goes online, even if you physically use your Amaze card at a retail store. This gives 10X points as online deals. Note that DBS stopped doing this for their cards a few months ago, and although they’ve been quiet so far, there’s always the possibility that Citi will ban it too.
Citi Prestige Credit Card Guide
At least for now, you can use Citi Rewards as an all-in-one online and offline card for most types of spending and earn 10x points per dollar spent.
⚠️ Fill out the SingSaver Rewards form in the email to choose your reward. No form completion = no prize
Earn 10x Thank You Points (4mpd or 2.27% cashback) on online transactions and purchases. Read the reviews here
Most points cards are quickly labeled as miles cards, and Citi Rewards is certainly a favorite among mile chasers. Earning rate of 10X points per dollar equals 4 miles per dollar, which is the highest earning rate you can earn for miles. So Citi Rewards is often used almost exclusively by stoners.
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However, points have always been a versatile and flexible form of currency, and you can also redeem the Thank You points you earn through Citi Rewards at a value of 0.227 cents per point. This means that the 10X earning rate is about 2.27% cashback.
It’s certainly not a great rate, but it’s better than the 1.5% cash back cards that some people still use.
If you redeem your points for a check, your discount percentage will increase depending on what you redeem.
With a 10x earning rate, you can easily get around 3% off if you exchange your points for redeemable coupons. It’s not as versatile as straight cash back, but the range of coupons available is wide enough that you can consider Citi Rewards a 3% discount card for most people.
Citi Thankyou Points Guide: How To Earn And Use Points In 2023
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Many still use Citi Rewards as a way to collect miles, and Citi Points are great for that. Citi has the largest number of airline partners that allow you to convert your Citi points into various airline frequent flyer programs. While any miles/points card in Singapore works with Singapore Airlines, there are times when you may want to use a different airline for promotions and/or better flight routes, and having Citi Points is a versatile option. provides you with
Citi Rewards earns reward points quickly – once the transaction is posted, it usually takes a few days after your actual transaction.
Aside from quick gratification, earning early rewards points has several significant benefits: your points may be limited for certain redemptions, and earning points quickly allows you to redeem your redemptions quickly. Second, you may have reservations about certain types of transactions that receive a 10x payout rate, and nothing confirms this better than seeing bonus points credited to your account so you can feel more confident about making your next transaction. .
Coming Soon: Earn Credit Card Rewards When Paying Bills On Axs
In a world where almost every loyalty card awards bonus points at the end of the month or later, having bonus points days after a transaction is a great thing, and Citi Rewards gives you that.
Like the Citi Card, Citi Rewards is also eligible for Citi PayAll. By itself, paying 2% for only 1X points (0.4 mpd) is a terrible value, but Citi often runs promotions that increase the earning rate. The last one increases the interest rate by 6.25 times (or 2.5 miles per day). This is a good price to redeem your miles.
Unfortunately, the card also has some problems, and according to Citi’s usual procedure, the points earned are kept in separate silos and are not aggregated. This creates problems, as there is a minimum number of points that must be redeemed for an item, and redeeming miles incurs a conversion fee.
You can earn 23,000 miles with your Citi Rewards card and 17,000 miles with your Citi PremierMiles card. For banks like UOB and DBS, such points can be redeemed together and you pay a $25 conversion fee to get 40,000 miles in your airline account. However, with Citi, you can only redeem 20,000 miles from Citi Rewards and 10,000 miles from Citi PremierMiles. That leaves 3,000 points and 7,000 miles in both accounts, plus you have to pay the $25 conversion twice because each account must be converted separately from the other.
Citi Is Really Generous
Not very customer friendly and I’m very surprised that Citi has continued to do this for the past few years.
Citi Rewards, a few months ago, had an annual limit of 120,000 points under the 10X earning rate, meaning $12,000 in qualifying spend during the year would max out that earning rate.
Since then, 10,000 points have been converted for each reporting month, meaning that spending just $1,000 that month maximizes the earning rate by 10x. That means, for example, buying an iPhone 14 Pro Max from Apple isn’t a good idea, as high-end phones today sell for $2,000 or more. In comparison, the DBS Women’s World Card offers a wider limit of $2,000 for online transactions.
Spending $1,000 more per month is comparable to UOB Preferred Platinum ($1,110) and HSBC Revolution ($1,000), which offer high earning rates on Paywave and online transactions. A $1,000/month online or offline spending card is more in line with the competition, which leads me (completely uninformed) to believe that Citi will pursue Amaze’s “synergies” or allow contactless payments for profit. to earn 10X points, thus completely eliminating the need to use Amaze.
Detailed Statement: Citibank Rewards Platinum Card
Travel transactions do not count towards the 10X Citi Rewards earning rate, and I find this exception somewhat confusing. This isn’t a blanket exception for other cards, but Citi has something against this category of fees. Even Citi SMRT removes it.
Ironically, for a travel card, you need to look beyond the Citi Card to get a decent return on your travel spend.
Unlike many other cards that expire a year or two after points are earned, Citi’s way of handling point expiration deserves its own post.
Points you earn at the beginning of your 5-year window have a very long validity period, and points earned at the end expire quickly. As such, it’s not a pro or a bug, but something to watch out for.
The Curse Of The Citi Rewards Mastercard
As it stands, Citi Rewards is a great all-around card for many who don’t want to keep close track of their credit cards. All you have to do is add it to Instarem Amaze and then use the Amaze card for your purchases, not travel expenses, as long as it doesn’t exceed $1,000 a month. 10X points, which is great for miles, or if you don’t go miles, you get a nice 2-3% discount for a no-hassle card.
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Citi Rewards Credit Card: $400 Cashback With $2,000 Spent On Eligible Purchases Via Apple Pay In 90 Days, $99 First Year Fee
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