MileWise Card Rating (1-4)
1️⃣ Core Card to Use 🔥 |
2️⃣ Use Only When There Is a Promotion 🎯 |
3️⃣ Apply Only for Sign-Up Bonus (SUB) 💰 |
4️⃣ Don't Bother Applying 🚫 |
MileWise Commentary: The Citi Rewards Card is a must-have for savvy miles chasers, offering 4 mpd on almost all online transactions and offline via Amaze. With 11 transfer partners, it provides exceptional flexibility for travel redemptions. However, exclusions like travel and mobile wallet transactions mean careful spending is key. For everyday online spend, this card remains one of the best in the game! 🚀
Card Summary
4 mpd on most online transactions (excluding travel and in-app mobile wallets)
S$1,000 cap per statement month
Extendable to offline transactions with Amaze
No pooling of points among Citi cards
No issues getting the annual fee waived
Recap: What does Amaze card do, and how does it help?
Linking a card to Amaze means that instead of directly charging your transaction to your credit card, you first add (or "link") that card to the Amaze app. When you make a payment with the Amaze card, it automatically routes the charge to one of your linked Mastercard cards. This allows you to unlock extra benefits, such as:
FCY Savings – Overseas transactions are converted to SGD with an implict ~2% foreign currency transaction (FCY) fees added to Amaze’s FX spread.
Category Retention – The transaction's Merchant Category Code (MCC) remains unchanged, which helps preserve category-based rewards on your linked card.
Online Spend Classification – All Amaze transactions are coded as online, even if they were made in-store. This means you could dine at a restaurant or shop at a physical store, pay with the Amaze card linked to a Citi Rewards Mastercard (CRMC), and still earn 4 mpd on your spending!
Essentially, linking a card allows you to use Amaze as an intermediary that enhances the way your transactions are processed while still earning rewards from your underlying credit card!
Card Technical Specifications
🏷️Annual Fee: | $196.20/year (Free for the 1st Year) |
|---|---|
💰 Income Requirement: | $30,000/year |
🌍 Foreign Currency Fee: | 3.25% |
⏳ Points Expiry: | Up to 5 years |
✈️ Transfer Partners: | 11; including Krisflyer and Asia Miles |
🔄 Transfer Ratio: | 25,000 TY points: 10,000 miles |
📦 Transfer Block: | 25,000 TY Points (10,000 miles) |
💳 Transfer Fee: | $27.25 |
🔗 Points Pooling: | No |
📌 How/When Points Are Credited: | Base & bonus points are credited when the transactions post. |
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