Citi Rewards World Mastercard
citi · KrisFlyermiles
How it earns
4.00 mpd Online spend (excluding travel)
onlineCapped at S$1,000.00 of spend per statement cycle · then falls to 0.40 mpd
0.40 mpd Everything else
baseUncapped
Mechanics that decide real outcomes
- Period basis
- statement cycle
- Bins by
- posting date
- Accrual
- per_dollar, floor
- Settlement
- points balance
- Credit lag
- immediate
- Native unit
- ThankYou Points → 0.40 miles each
- Conversion
- S$27.25 per 25,000 units
- Expiry
- 60 months
Exclusions
excluded mcc
23 MCCs: 6010, 6011, 6012, 6051, 6300, 6513, 6529, 6530…not a purchase
non-purchase transactionsTerms and sources
Official terms and conditions ↗
- “Citi Rewards Card Cardmembers' Agreement.”
- “Citi Cards – Rewards Promotion Terms and Conditions.”
- “Citi ThankYou Rewards Terms & Conditions — points validity.”
- “Clause 13: For every 10X Points Eligible Transaction charged to the Eligible Card, an Eligible Cardholder shall earn (i) 1 Base Point for every S$1 ("Base Points"); and (ii) 9 Bonus Points for every S$1 ("Bonus Points"). Points shall be calculated on the amount of each transaction, rounded down to the nearest S$1. Base Points are not subject to any cap. However, Bonus Points are subject to a cap of 9,000 Bonus Points per statement month.”
- “Your Citi ThankYou Points will expire 60 months from your Citi Rewards Card approval date.”
- “1 Base Point for every S$1 plus 9 Bonus Points for every S$1; Base Points are not subject to any cap, Bonus Points are capped at 9,000 Bonus Points per statement month.”
Notes
HOW IT EARNS - 10X (4 mpd) on online spend, made of 1 base + 9 bonus points per S$1. - Capped at 9,000 BONUS points per statement month = S$1,000 of spend. - Everything else 1 mpd. Points expire on a rolling 60-month block from card approval, plus 3 months' grace. WATCH OUT - Travel is excluded from the 10X tier. - Mobile wallet transactions are excluded from 10X. - Expiry needs the card's approval date (user_cards.opened_on). Without one no estimate is shown, rather than one anchored on a guess. NOT MODELLED - 10X also applies IN STORE at MCCs 5311, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5691, 5699, 5948. Adding it needs a cap SHARED with the online tier. Department-store and clothing spend is therefore UNDER-rewarded. - The points-to-miles ratio and conversion fee are unconfirmed. EVIDENCE - Verified 2026-07-28 against Citi's 10X Rewards Promotion T&C: base/bonus split and the 9,000-point cap exactly as modelled. - The statement reports base and bonus separately, so the canary reconciles each independently.