How do I ascertain what Merchant Category Code (MCC) the merchant I want to transact with my Citi Rewards Card falls under?

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.

I have held this card for quite a long time and one thing I like about the card is the fact that it is used for CapitaLand malls and they are almost everywhere. So I enjoy dining taking advantage of the 10x rewards merchants to accumulate the points faster. Imagine getting close to 6.5% rebates on dining. Not to forget their sign up bonus of $60 rebates in vouchers when you spend $1,500. That's a 4% rebate excluding the points you will earn which will convert into vouchers too.

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

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 fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.

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.