Which Is The Best Citi Credit Card

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There are many aspects to maximizing your credit card rewards, including taking advantage of the best welcome bonuses, spending categories, and card benefits. Admittedly, some of us overextend the credit card, by having multiple cards.

Which Is The Best Citi Credit Card

Which Is The Best Citi Credit Card

Sometimes I think it’s interesting to break down card strategy by issuer, so in this post I want to share my Citi credit card strategy. Citi has some great credit cards, especially those that earn Citi ThankYou points.

Best Credit Cards Perks & Rewards Comparison In Singapore

Here’s a summary of what you need to get approved for a Citi card, a summary of my strategy, and then which Citi cards I’m most interested in applying for.

There is no formal limit on the number of Citi credit cards you can have. I “only” have three Citi credit cards, although I know many people who have more Citi cards than that. Often, the limiting factor with Citi is the total amount of credit that will be extended to you, rather than the number of cards.

It’s quite simple. Citi will approve you for a minimum of one card every eight days, and a maximum of two cards every 65 days. If you’re thinking about applying for multiple Citi cards, you’ll want to pay attention to timing. Note that this does not include cards you apply for with other issuers.

Citi has 24 and 48 month rules for earning welcome bonuses, and the timeline depends on the card you’re applying for:

Citi M1 Card

As you can tell, the timeline here refers specifically to when you got the bonus on a card, rather than when you applied for the card. In addition, it also refers to when you actually closed a card – an open card does not mean that you are not eligible to earn a bonus in the future.

I have the first two cards to maximize my Citi ThankYou points, although I have the last card for lounge access, so let me go over that in detail.

The Citi AAdvantage Executive Card has a $450 annual fee, and it’s worth it for the incredible lounge access benefits it offers:

Which Is The Best Citi Credit Card

Getting Admirals Club access for up to 11 people (including guests) is a great deal. I consider it one of the best cards for authorized users, and it’s also one of my favorite credit cards in terms of value of benefits.

Citi Simplicity Credit Card Review

In general, I like to earn cash transferable points for my credit card spending whenever possible, as they offer the most flexibility. Within each point currency “ecosystem” (be it Amex Membership Rewards, Capital One, or Chase Ultimate Rewards), there is a possibility to create a portfolio of cards so that you can maximize your points earnings.

When it comes to earning Citi ThankYou, I have the Citi Prestige Card and the Citi Double Cash Card.

The Citi Prestige Card is no longer open to new applicants, but below are the main features of the card:

No annual fee Citi Double Cash Card, which I consider one of the best cards for everyday spending. The card offers 1x ThankYou point when you make a purchase, and 1x ThankYou point when you pay for a purchase. Having 2x thank you points after paying your bill is a great return on spend, and this card is a keeper.

Bon Appetit Singapore

As mentioned above, the Citi Prestige Card is no longer open to new applicants. The other “premium” card that earns Citi ThankYou points is the Citi Premier® Card (review). I went on and on about whether I was better off with Citi Premier or Citi Prestige.

For a little background on the Citi Premier Card’s $95 annual fee, which I think is incredibly fair:

Although the Citi Prestige has a $495 annual fee, it also offers a $250 annual travel credit, so I consider the card to “cost” me $245 per year. That’s $150 more than I’d pay for Citi Premier. Is it really worth it to get 5x food points instead of 3x points? I need to do some shakes after…

Which Is The Best Citi Credit Card

Honestly, I don’t have the strongest portfolio of Citi credit cards (even compared to my Chase cards), but ultimately I can only have so many credit cards across all issuers . There are a few other Citi credit cards that are good to have:

Best Citibank Credit Cards

I actually had the Citi Rewards+ Card in 2020, but my account was closed due to inactivity. Oops.

I currently have three Citi credit cards, which allow me to maximize my Citi ThankYou points and access the American Admirals Club.

I maximize my Gratitude points by having the Citi Prestige Card and the Citi Double Cash Card – the former gets me 5x points at restaurants and the latter gets me 2x points on day-to-day -day spending.

Then I have the Citi AAdvantage Executive Card, which is great for Admirals Club lounge access. Not only does this grant the primary Admirals Club card member membership, but it also grants access to the Admirals Club for up to 10 authorized users. Compare all Citibank credit cards available in Singapore based on how much you get for your spending, whether it’s cash back, rewards, petrol, groceries, shopping, buffet, air miles or no annual fee.

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If you are a Citibank credit cardholder, log into Citibank Online using your debit or credit card details to view and claim your rewards. Alternatively, you can download the Citibank SG mobile app to view your Citibank credit card statements and bills.

Which Is The Best Citi Credit Card

To find out more about Citi credit card application status, features, benefits, rewards, overseas activation application or annual fee waiver for your Citi credit card, call 24 hours which is Citibank’s customer service hotline at 6225 5225.

Ringgitplus Citi Credit Card Sign Up Gifts For August 2021

There is no dedicated Citibank credit card hotline, but the general Citibank customer service hotline (as above) operates 24-7. You can expect a response within 2 business days and an update within 14 business days. If the hotline officer cannot help you, you can ask (politely, of course!) to speak to a hotline manager and/or be referred to the Customer Experience Unit.

If you have a Citibank credit card, you will know that there are many Citibank credit card promos available. Ongoing promotions and discounts include Shopee, Lazada, Taobao, Qoo10, RedMart, Zalora, Harvey Norman, Esso, FoodPanda, GrabFood, Agoda, Marina Bay Sands, 1-for-1 Hotel Dining Treats and more. Visit Citi World Privileges online to see them all. Visit Citi World Privileges online to see them all.

How to apply for a Citibank credit card? Visit the Citibank credit card website, click on your chosen credit card, read the Citibank credit card eligibility requirements. Select the “Apply Now” option and you will be guided through a series of questions and online application forms.

To review your Citibank credit card application, call the Citibank customer service hotline at 6225 5225. Once you receive your credit card, you will need to follow the instructions in the welcome booklet to activate your new Citibank credit card. Note that Citibank credit card requirements for foreigners may be different from Singaporeans.

Citi Prestige Credit Card Guide

Citibank users can also use PayNow. To activate PayNow, log into Citibank Online or the Citi Mobile app to link your mobile number or NRIC/FIN to your Citibank account. Once that’s done, you’ll be able to receive and send money instantly via a QR code or your phone number.

How is Citibank credit card interest calculated? The interest rate for Citibank credit cards is 26.9% per annum. That means, if you don’t pay your credit card bill in full this month, interest will be charged on the amount you didn’t pay on time each month you continue to pay. How much is the interest? Citibank credit card interest rate is 26.9%

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