Demo — invented data, read-only. Nothing here is anyone’s real spending.
RewardsMaxx
CITI REWARDS WORLD MASTERCARD
•••• 9336
+ Add screenshot
Last upload 12 Aug · statementLast transaction 6 Aug
ThankYou Points
0
Earned this cycle
Balance 135,512 ThankYou Points

3 pairs to check

Same merchant, same amount, close together. Both are still counted, so the figures below include them until you say. Nothing is deleted either way.
S$72.00THE RIDE SIDE2025-08-28 · statement 7e244df4
S$76.34SHOPFRONT ASIA2025-08-28 · statement 7e244df4
amounts within 2% on one day, both posted
S$12.18ZERO12026-06-19 · statement 8f0bd378
S$14.71ZERO12026-06-19 · statement 8f0bd378
same merchant, amount and day within one source
S$10.98PEATIX2026-07-01 · statement 8f0bd378
S$14.70WORLDPAY2026-07-01 · statement 8f0bd378
same merchant, amount and day within one source
Decided one wrongly? Every decision is reversible from the duplicates list.

This cycle

24
24 days left
8 Aug – 7 Sepstatement · monthly · by posting date
Spend
S$0.00
Qualifying
S$0.00
Earned
0 mi
Transactions
0
Left to bonus cap
S$1,000.00
Online spend (excluding travel)S$0.00 of S$1,000.00

Every cycle so far

Earned (ThankYou Points)
95,341
Worth (miles)
38,135
Blended rate
2.60 mpd
Spend
S$14,667.11
Cycles
16
Lost to rounding
S$0.00
Blended rate divides by every dollar spent. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.
S$2,846.92 of spend has no known payment method — 19% of the total. This card's bonus depends on HOW you paid, and statements never print that, so those rows earn the base rate here. Set the method on a transaction below and tick “remember” to fix every future one from that merchant. It is left blank rather than guessed: calling an in-store tap a mobile payment would invent a rate you never earned.
Average S$938.98 over 15 cycles, excluding the cycle still running
  • Online spend (excluding travel) · 4.00 mpd62%
  • Everything else · 0.40 mpd22%
  • Earned nothing16%
CycleSpendStatement · ThankYou PointsTotal rewards · milesHighest tierRateWasted
8 Jul – 7 AugS$582.343,4591,38459%2.38 mpdS$236.44
8 Jun – 7 JulS$655.173,9601,58459%2.42 mpdS$267.46
8 May – 7 JunS$706.597,1052,84293%4.02 mpdS$51.40
8 Apr – 7 MayS$1,533.4710,4814,19265%2.73 mpdS$533.47
8 Mar – 7 AprS$587.763,6761,47059%2.50 mpdS$239.73
8 Feb – 7 MarS$862.537,5433,01786%3.50 mpdS$121.67
8 Jan – 7 FebS$834.985,0332,01358%2.41 mpdS$349.03
8 Dec – 7 JanS$852.766,8362,73473%3.21 mpdS$228.72
8 Nov – 7 DecS$861.425,4122,16550%2.51 mpdS$427.01
8 Oct – 7 NovS$1,685.8910,5864,23459%2.51 mpdS$685.89
8 Sep – 7 OctS$916.455,9062,36264%2.58 mpdS$329.27
8 Aug – 7 SepS$1,006.579,2863,71493%3.69 mpdS$69.95
8 Jul – 7 AugS$1,730.579,6053,84253%2.22 mpdS$812.56
8 Jun – 7 JulS$985.763,1621,26532%1.28 mpdS$671.07
8 May – 7 JunS$850.773,2771,31137%1.54 mpdS$533.46
8 Apr – 7 MayS$14.0814 *60%0.43 mpdS$14.08
Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed. A figure marked * has no statement yet and is what we compute.

Where this cycle went

No spend in this cycle yet.

Spend, last six months

Average S$792.12 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.
Record an MCC for a merchantIf your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.
418 of 418 rows
  • GIRO PAYMENT - THANK YOU+S$1,673.35
    2 Junotherearlier · 8 Maynot_a_purchase
    0 ThankYou Points▸
  • SHOPFRONT ASIAS$155.15
    2 Junonline_shopping5262onlineearlier · 8 May
    1,552 ThankYou Points10.00/$online▸
  • WORLDPAYS$11.46
    1 Junstreaming4816 ✓onlineearlier · 8 May
    115 ThankYou Points10.00/$online▸
  • PEATIXS$12.82
    1 Junstreaming4816 ✓onlineearlier · 8 May
    128 ThankYou Points10.00/$online▸
  • CAKE DEFIS$28.67
    1 Junstreaming5734 ✓onlineearlier · 8 May
    287 ThankYou Points10.00/$online▸
  • KINOKUNIYAS$6.65
    30 Mayretail_instore5942 ✓onlineearlier · 8 May
    67 ThankYou Points10.00/$online▸
  • ZERO1S$14.32
    30 Maytelco4814onlineearlier · 8 May
    143 ThankYou Points10.00/$online▸
  • BROADREACHS$69.02
    28 Maysubscriptions4816 ✓onlineearlier · 8 May
    690 ThankYou Points10.00/$online▸
  • SKYPES$9.04
    25 Maystreaming4814earlier · 8 May
    9 ThankYou Points1.00/$base▸
  • CCY CONVERSION FEE SGD 59.25S$0.59
    25 Mayotherearlier · 8 Maynot_a_purchase
    0 ThankYou Points▸
  • CCY CONVERSION FEE SGD 52.45S$0.50
    25 Mayotherearlier · 8 Maynot_a_purchase
    0 ThankYou Points▸
  • CCY CONVERSION FEE SGD 54.90S$0.50
    25 Mayotherearlier · 8 Maynot_a_purchase
    0 ThankYou Points▸
  • WELLSPRING CHEMISTS$52.81
    23 Mayonline_shopping5122 ✓onlineearlier · 8 May
    528 ThankYou Points10.00/$online▸
  • QOBUZS$16.53
    23 Maystreaming5815 ✓onlineearlier · 8 May
    165 ThankYou Points10.00/$online▸
  • TUNESS$10.35
    23 Maystreaming5735 ✓earlier · 8 May
    10 ThankYou Points1.00/$base▸
  • AMR HAIR & BEAUTYS$31.12
    22 Mayhealthcare7298 ✓onlineearlier · 8 May
    311 ThankYou Points10.00/$online▸
  • ZERO1S$11.35
    20 Maytelco4814earlier · 8 May
    11 ThankYou Points1.00/$base▸
  • ZERO1S$10.17
    20 Maytelco4814earlier · 8 May
    10 ThankYou Points1.00/$base▸
  • SHOPFRONT ASIAS$19.61
    19 Mayonline_shopping5262onlineearlier · 8 May
    196 ThankYou Points10.00/$online▸
  • THE EDITORS MARKETS$21.19
    18 Mayretail_instore5691 ✓onlineearlier · 8 May
    212 ThankYou Points10.00/$online▸

Card facts

Counted byPosting date — the day it reached the bank, not the day you paidCycleStatement month, monthly
Income Req.S$30,000 p.a.Points Validity60 months from card approval, then a 3-month grace — NOT per point
Annual FeeS$196.20 (first year waived)Min. Transfer25,000 ThankYou Points (10,000 miles)
Miles with Annual FeeN/ATransfer Partners11
FCY Fee3.25%Transfer FeeS$27.25 per conversion
Local Earn0.4 mpdPoints Pool?No
FCY Earn0.4 mpdLounge Access?No
Special Earn4 mpd on online transactions, except travel and in-app mobile wallet*Airport Limo?No
* Bonus capped at 9,000 bonus points per STATEMENT month, roughly S$1,000 of spend. Also pays 10X in store at department and clothing MCCs, which this app does not yet model.

How this card earns

TierRateCap
Online spend (excluding travel)4.00 mpdS$1,000.00 of spend
Everything else0.40 mpduncapped
ThankYou Points → miles · 25,000 minimum transfer · S$27.25 fee · expires after 60 months
Rule notes and caveats
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.

Product

Approved oni

Not printed on a statement. Yours first appears on the statement to 8 Jun, so it was approved on or before then.
Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.
3 Aug · 5 images · 32 rows read · images not kept for this upload
Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

  • 2026-08-07
    eStatement_Aug2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-07-07
    citi.pdf
    coordinatenot kept
  • 2026-06-07
    eStatement_Jun2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-05-07
    eStatement_May2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-04-07
    eStatement_Apr2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-03-08
    eStatement_Mar2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-02-08
    eStatement_Feb2026 Citi rewards.pdf
    coordinatenot kept
  • 2026-01-07
    eStatement_Jan2026 Citi rewards.pdf
    coordinatenot kept
  • 2025-12-07
    eStatement_Dec2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-11-07
    eStatement_Nov2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-10-07
    eStatement_Oct2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-09-07
    eStatement_Sep2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-08-07
    eStatement_Aug2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-07-07
    eStatement_Jul2025 Citi rewards.pdf
    coordinatenot kept
  • 2025-06-08
    eStatement_Jun2025 Citi rewards.pdf
    coordinatenot kept
The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.
RewardsMaxx