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The Citibank Rewards Credit Card (available in both Visa and MasterCard) is my favourite card when it comes to shopping as it yields a handsome 10X rewards or 4 miles per dollar. As you can see in the diagram below, any departmental store or retail store or website selling clothes, shoes and bags with the below Merchant Category Codes (MCC) qualify for 4 miles per dollar. The only catch is there is a cap of 120,000 Rewards points per card anniversary year.

However, do note that from 4 October 2018, the Terms & Conditions will change. Instead of 120,000 Rewards points per anniversary year, this will be divided by 12 to form a cap of 10000 Rewards points per month, meaning that you can only spend a maximum of $1000/month on these items!

This is definitely disappointing as this is an excellent overseas shopping card that yields tens of thousand of miles easily with the purchase of a branded item e.g. a Chanel or Louis Vuitton bag. With this change, perhaps the OCBC Titanium Rewards card will be the better shopping card for big ticket items.

If you are still interested in applying for the Citibank Rewards credit card or other Citibank cards, click here to sign up to receive a $120 cashback now!


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