I am a foreign national in Singapore, do I choose a CITI Reward Card and why?

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

My mother has been using this Citibank rewards card for many years and says what she loves about it is the 10X Rewards points on her shopping all year long, either it be online, offline or overseas. It simple makes her shopping more rewarding. Plus Citibank has an amazing range of merchandise for her to redeem using her rewards points, her favourite being to use her reward points to get Takashimaya vouchers which has no expire date to it too.

Citibank has generally been very prompt and hassle free in waiving annual fee and also late payment finance charges. Additionally it is the best in the market right now when paired with Apple Pay to give 20x Citi Dollars, with no cap, and 10x Citi Dollars on a good range of stuff. This is my number one card of choice right now, and if you have an iPhone, I highly recommend adding this card into your Apple wallet right now.

I hate to cast a dark shadow on this card but the only downside i notice is that bonus points are capped at $12,000 worth of spending per year, while points across all Citi cards don't pool, but please let that not be a reason to avoid the card as the benefits greatly outweigh the costs and I strongly recommend this card if you want to gain miles at an unbelievable speed.

I really regret that I had chosen this card in the first place as it is not what I bargained for. I have actually never received the so-called vouchers for all the points I accumulated so far, even after I have raised the issue several times over the phone and even in person. Sadly all my efforts have been to no avail. This is bye-bye for me and any Citibank credit cards again.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

First of all, unlike other loyalty programmes, the American Express Personal Card membership rewards points do not expire. Furthermore, with no restriction on the number of points you can stand to accumulate, you just need to choose the reward you want and you'll have time to get it, pretty much the skies can be your limit as you can use the points the way you want from redeeming shopping, travel and entertainment rewards to offsetting purchases made on your Card.

A 5% cash rebate on fuel purchases and a 16% instant discount is a great deal for me I must say, the HSBC VISA Platinum Credit Card indeed makes driving more fun for me as i always look forward to the 16% instant discount plus 5% cash rebate on all fuel spend at Caltex and Shell stations

Seldom would you find a card that has your best interest at heart as the AMEX Express Platinum Reserve Credit Card with its Emergency legal and medical assistance even when you are anywhere in the world. You can enjoy privileges around the globe with Live the World and American Express with all round protection against accidental damage or theft for your purchases.

I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

The welcome bonus with this card is quite mouth-watering. Simply spend S$1,500 in the first 3 months to receive 24,000 Membership Rewards points. That you will find to be enough points to redeem for S$110 cash credit. Plus you can see the points add up with 100% bonus points on all spend in your first 3 months of Card Membership. I have been using this card now for 6 months and am yet to find reasons to complain.