Citi has upsized its SingSaver sign-up reward. New Citi customers who apply between 29 October and 2 November 2026 can get S$480 cash via PayNow after spending S$500 within 30 days of card approval. That is the highest Citi cash reward this month, up from S$400 earlier in October, and it effectively pays you back almost all of your minimum spend.

Click HERE to apply for the Citi Rewards Card and get S$480 cash!

Choice of Rewards

S$480 Cash via PayNow
S$500 Shopee Vouchers
28,000 Max Miles
Dyson Airstrait (worth S$799)
Dyson V8 Cyclone cordless vacuum (worth S$559)

The 28,000 Max Miles work out to about 1.7 cents per mile compared with the cash. Unless you value miles more highly than that, I would take the S$480, which is guaranteed and flexible.

Apply for Citi Rewards Card here!

Eligible Cards

The promotion covers five Citi cards. Do note that the Citi SMRT Card is not included this time.

Citi Rewards Card: my pick, and one of my recommended miles cards. It earns 4 mpd on online spending (excluding travel and in-app mobile wallet payments) on up to S$1,000 per statement month, and is now issued as a Mastercard only. Pair it with the Amaze Card to earn 4 mpd on in-store spending too, since all Amaze transactions are processed online, which means they will be eligible for the online spending bonus with the Citi Rewards Card. The annual fee is S$196.20, waived for the first year.

Citi PremierMiles: a general spending miles card for everything your 4 mpd cards do not cover. Citi Miles never expire.

Citi Cash Back+: for those who prefer cashback with no fuss, with unlimited 1.6% cashback on all eligible spend with no minimum spend.

Citi Cash Back and Citi M1: niche picks for drivers and M1 customers respectively.

You can only receive one reward per person, so pick the card you would actually keep.

How to Qualify

Be a new Citi credit cardholder. You must not currently hold a principal Citi credit card, or have cancelled one in the last 12 months. A Citi card that is approved but not yet activated, or a pending Citi application, also counts against you.
Apply through SingSaver between 29 October and 2 November 2026, then complete the SingSaver Rewards Redemption Form emailed to you within 14 days of applying.
Activate the card and spend at least S$500 within 30 days of approval. Instalment plans, cash advances, bill payments, fees and refunded transactions do not count.
Keep the card for at least 12 months, as the reward may be clawed back if you cancel early.

Is It Worth It?

If you do not already hold a Citi card, this is one of the best sign-up offers of the year: S$500 of spending gets you S$480 back. The window is only five days, so do not wait until the weekend. For miles chasers, I would pick the Citi Rewards Card, as it is a card worth keeping in your wallet long after the cash lands. Already a Citi customer, or want to compare with other banks? See my Best Credit Card Sign-Up Bonuses page, which updates automatically as promotions start and end.