This card offer is currently unavailable through! However, click here to check out Citibank Rewards Card VISA.

Are you someone who loves to shop and are looking for extra ways to save money on your shopping without crimping your budget? Citi Rewards World MasterCard is a card that gives you 10X rewards points per $1 spent on shopping and that is 10 times more than with other credit cards out there! In fact, after comparing more than 100 cards, we at have picked Citi Rewards World MasterCard as the winner of the Best Credit Card for Shopping category.

In this review, we'll share with you what you need to know about Citi Rewards World MasterCard, as well as any potential downsides of it.

Things We Like About Citi Rewards World MasterCard

Up to $120 bonus cash back as you spend. You can receive $20 bonus cashback every month for your first 6 months as a cardholder, as long as you spend at least $200 monthly on purchases for the first 6 months using your new Citi card.

Earn 10 times Rewards points. For every $1 you spend on your clothes, bags, shoes, or shopping at departmental stores, you will earn 10 points (as Citi Dollars). You also earn these 10 points per dollar when you shop at online shops that sell clothes, shoes and bags as their main business activity. Use these points to offset your next purchase at over 500 instant rewards outlets. You can also redeem them for over 300 rewards choices from Citibank's online catalogue, or simply get cash rebates. And there's no geographical restriction. You will earn these high points for both local and overseas shopping in the eligible categories.

This is an example of how much you can get after a year: if you buy $12,000 worth of clothes, shoes or bags (at departmental stores or eligible online websites) in one year, you will earn 120,000 points. Let's say you spend another $15,000 in other categories, you will earn another 15,000 points. These add up to 135,000 points, which you could redeem for one of these rewards:

  • $600 shopping vouchers
  • $560 worth of beverages
  • $450 cash rebate
  • 70 free movie tickets
  • 54,000 miles
  • $520 jewellery vouchers

There's a wide array of things you can redeem with your points, so you will most likely find something that will save you money.

Enjoy MasterCard privileges. This MasterCard version of the rewards card comes with a long list of MasterCard privileges. Deals like a 1 for 1 main course at Buyan, Masons, J's Restaurant, Copper Chimney and many more will appeal to you food lovers. If you're looking to spoil yourself, beauty spa deals like 1-for-1 60 minute De-Stress Body Massage at Spa Elements, 1-for-1 60 minute Matcha Infusion Spa Ritual at RN Spa, 1-for-1 Hidara Signature Power Facial at Hadara Aesthetics Boutique and other deal let you get double the relaxation for your money. Just note that all deals are limited, so if you see an offer you like, make sure to book it as soon as possible. Deals are regularly updated and include dining, entertainment and shopping.

Enjoy Citi Privileges. You will get to enjoy extra privileges as a Citibank cardholder. Earn up to 20 times points for travel purchases from Kaligo and Expedia. Enjoy exclusive offers from Agoda, Emirates, and Save up to 14% on fuel at Esso and Shell and benefit from free travel insurance.

Get a 0% interest rate on your balances transferred to this card from any other bank's. When you transfer your debt from another bank's credit card or credit line, you can enjoy 0% interest for the first 6 months. After that the standard 24% interest per annum applies. You will have to pay an upfront service fee equal to 2.5% of the amount you transfer, and the debts you transfer to this account can't come to more than 90% of your Citibank credit limit. This is a nice perk if you carry debt, as you can enjoy 6 months of 0% interest. Just make sure to pay your debt off before the 6 month period ends.

Our Least Favourite Things About Citi Rewards World MasterCard

There's a cap for 10X points. Even if you shop at the right places and buy the right stuff, you won't always get 10X points. The maximum points you can earn for shopping in the 10X categories is capped at 120,000 per card anniversary year. So you will only earn these high points for the first $12,000 you spend on eligible purchases of clothes, bags, or shoes every year. For every dollar that exceeds that amount, you will only earn the standard 1 point. Keep this in mind if you spend more than $1000 on fashion every month.

Annual fee. The annual fee for the principal card ($192.60, waived the first year) is not competitive compared to what you pay for some other credit cards. Neither is the fee ($96.30, waived the first year) for supplementary cards. If you use the benefits and spend a lot on fashion, the annual fee is still worth it in my opinion.

High rewards only at certain stores. Not everyone shops online. Even for the new generation that does, they don't just go to fashion websites. Most of us do a fair bit of our online shopping at online discount stores that sell all kinds of stuff. Guys, tell me I'm not the only one who does that! But this is a good card if you do buy your clothes, shoes and bags at online stores that fall under those categories.

If you spend a lot on fashion, this card would reward you handsomely. Because of its substantial rewards programme, Citi Rewards World MasterCard is the winner of the Best Credit Card Card for Shopping in Singapore!

If you spend a lot on shopping, but in many different categories, then some other cashback cards may suit your needs better. You can consider The American Express® True Cashback Card, which offers you a flat rate of 1.5% cashback on all your spending, or OCBC 365 Credit Card, which gives you high cashback in many different categories.

If you prefer the Visa version of this card, which comes with almost the same benefits as this MasterCard, you can choose between the two after you click on the 'Apply Now' button.

This card offer is currently unavailable through! However, click here to check out Citibank Rewards Card VISA.