Referral Codes · Cards
Citi credit card referral code for Singapore
What a Citi referral code gives you and its owner, each card’s welcome offer and deadlines, and when SingSaver or MoneySmart pay you more.
Citi credit card referral code, from Citi’s 2026 referral terms and card offer terms, read 14 Nov 2026
Citi referral code t75035241411A earns Numbers.sg S$150 if you’re new to Citi credit cards and Citi approves your card by 31 Dec 2026. You get Citi’s usual welcome offer for your card, the same as without a code.
t75035241411ASmall letter t at the start, capital A at the endRight now, comparison sites pay S$400 or more in cash to new Citi customers who apply through their own links instead. A code can’t add that, so compare the routes before you apply.
We earn from this. The code comes from our editor’s own Citi card, generated on 14 Nov 2026. Citi pays S$150 into that card account, as card credit, for each friend who qualifies, up to 10 friends. Nobody has used it yet, so we haven’t seen a payment. Already hold a Citi card? Make your own code.
Our code, SingSaver or MoneySmart?
There are three ways to apply for a Citi card as a new customer, and they don’t pay the same people. A referral code pays the person whose code it is. SingSaver and MoneySmart pay you, with their own cash gift, when you apply through their link. Citi’s own welcome offer is the same whichever code you use, or none.
| How you apply | Extra for you | You need | Citi’s welcome offer too? | Citi pays the code’s owner |
|---|---|---|---|---|
| Citi’s referral page with our code | Nothing | Approval by 31 Dec 2026 for the referral | Yes: Citi’s referral page says so | S$150 to us |
| Citi’s own site, no code | Nothing | — | Yes | Nothing |
| MoneySmart Exclusive | S$400 cash by PayNow; S$420 for the first 200 claimsUntil 17 Nov 2026 | S$500 of spending in 30 days. New-to-Citi main cardholders who apply through MoneySmart; claim form by 17 Dec 2026. MoneySmart says its gifts don’t stack with other third-party offers. | Not stated by Citi or the site | Nothing |
| SingSaver Exclusive Offer | S$400 cash by PayNow, or a gift; S$500 cash if you also hold a Citi Plus, Citigold or Citigold Private Client account by the end of the month after approvalUntil 30 Nov 2026 | S$500 of spending in 30 days. New Citi credit cardmembers who apply through SingSaver for a card it lists | Not stated by Citi or the site | Nothing |
| SingSaver Flash Deal | S$80 cash on top of the Exclusive OfferUntil 16 Nov 2026 | S$500 of spending in 30 days. Only the first 7 eligible applicants at 2pm and at 8pm each day | Not stated by Citi or the site | Nothing |
While these run, applying through SingSaver or MoneySmart puts S$400 or more in your pocket that no referral code gives you, ours included. Whether Citi’s welcome offer also pays out on those applications isn’t written down anywhere we looked: SingSaver’s help notes only say its guide “does NOT cover the bank’s own welcome gifts”. If the welcome offer matters to you, ask the site before you apply. One application goes through one link, so a site’s gift and a referral can’t both apply to the same card.
Who gets what
Most posts about Citi referral codes mix up three rewards. Only one of them depends on the code.
| Reward | Who gets it | For | Amount | Ends |
|---|---|---|---|---|
| Citi’s welcome offer | You | Being new to Citi credit cards and spending S$800 in the window (S$14,000 on Prestige) | Cash back, miles or points, depending on the card | By card, in the table below |
| Referral reward | Whoever’s code you use: us, with ours | Each friend Citi approves by 31 Dec 2026 who makes one transaction within 30 days | S$150 card credit each, up to S$1,500 | 31 Dec 2026 |
| MoneySmart Exclusive | You | Applying through MoneySmart’s link and spending S$500 in 30 days | S$400 cash by PayNow; S$420 for the first 200 claims | 17 Nov 2026 |
| SingSaver Exclusive Offer | You | Applying through SingSaver’s link and spending S$500 in 30 days | S$400 cash by PayNow, or a gift; S$500 cash if you also hold a Citi Plus, Citigold or Citigold Private Client account by the end of the month after approval | 30 Nov 2026 |
Each card’s welcome offer
A friend who applies with a code gets one welcome offer, for the card they pick; Citi’s referral page says so in as many words. The cards below are the ones Citi’s referral terms list and its application page still shows. Each offer comes from that card’s own terms, linked in the last column.
| Card | Welcome offer | To get it | Annual fee | Minimum income | Offer ends |
|---|---|---|---|---|---|
| Citi Cash Back CardUp to 8% cash back on dining, groceries, petrol and private rides; 0.2% on other spend | S$300 cash back | Spend S$800 by the end of the second month after the month the card opens | S$196.20 a year; first year free | S$30,000; S$42,000 for foreigners | 31 Mar 2027Terms |
| Citi Cash Back+ Card1.6% cash back, no minimum spend and no cap | 8% cash back on the first S$4,000: the usual 1.6% plus a 6.4% bonus, up to S$256 | Spend S$800 by the end of the second month after the month the card opens | S$196.20 a year; first year free | S$30,000; S$42,000 for foreigners | 31 Mar 2027Terms |
| Citi PremierMiles Card1.2 Citi Miles per S$1 in Singapore, 2.2 per S$1 in foreign currency; the miles don’t expire | 8,000 Citi Miles, or 30,000 if you pay the annual fee | Spend S$800 by the end of the second month after the month the card opens | S$196.20 a year; first year free | S$30,000; S$42,000 for foreigners | 31 Mar 2027Terms, second offer |
| Citi Rewards Card10X points on online and in-store shopping, 1X on everything else | 40,000 Citi ThankYou points | Spend S$800 by the end of the second month after the month the card opens | S$196.20 a year; first year free | S$30,000; S$42,000 for foreigners | 31 Mar 2027Terms |
| Citi SMRT Card5% savings on online shopping, groceries, taxis and SimplyGo rides; 0.3% on other spend | S$300 cash back | Spend S$800 by the end of the second month after the month the card opens | S$196.20 a year; first 2 years free | S$30,000; S$42,000 for foreigners | 31 Mar 2027Terms |
| Citi M1 CardUp to 5% rebates on entertainment, up to 3% on M1 bills and at M1 shops | S$300 cash back | Spend S$800 by the end of the second month after the month the card opens, and charge an M1 bill or M1 shop purchase | S$196.20 a year; first year free | S$30,000; S$42,000 for foreigners | 28 Feb 2027Terms |
| Citi Prestige Card5 points per S$1 overseas, 3.25 per S$1 in Singapore, plus hotel nights and airport transfers | 112,500 Citi ThankYou points: 50,000 for paying the annual fee, 62,500 for the spending (162,500 for Citigold clients with S$300,000 or more at Citi) | Pay the annual fee, and spend S$14,000 by the end of the second full month after approval | S$651.82 a year, from the first year | S$120,000 | 30 Nov 2026Terms, second offer |
Annual fees include GST at 9%. Citi’s card pages still show S$194.40, which is S$180 plus GST at the old 8%; Citi’s own PremierMiles offer terms charge S$196.20, S$180 plus 9%, and that’s the figure we use.
The referral terms also list the Citi Lazada Card. Citi’s application page doesn’t show it any more, and we found no current offer terms for it, so it isn’t in the table.
Who counts as a new customer
Every welcome offer above, and the referral, is for new customers. Term 2(b) of each offer spells it out. You count as new if all of these are true:
- You apply online.
- You don’t hold a Citi credit card as the main cardholder. The terms count main cards only, so a supplementary card on someone else’s account isn’t one.
- You haven’t closed a main Citi credit card in the 12 months before you apply.
- You have no other Citi credit card application waiting for an answer.
The Prestige card is the exception. Its offer only asks that you don’t hold, haven’t recently closed and aren’t waiting on another Prestige card, and the referral terms let a current Citi cardholder be referred for a Prestige. Citi’s staff can be referred for a Prestige only.
The welcome offers also need Citi to approve and open the card within 30 days of the application (term 3(a)). The referral terms leave out people living in the European Union, the UK, Switzerland, New Zealand and a few other places (term 3(d)).
What counts towards the S$800
Retail purchases, in shops and online, by you or a supplementary cardholder. Each offer’s terms (term 3(b)) leave out:
- Instalment plans, Citi PayLite and FlexiBill, Quick Cash and balance transfers
- Bill payments, and Citi PayAll payments with no service fee
- Cash advances and quasi-cash, interest, fees and GST charges
- Anything refunded or disputed; a refund also comes off what you’ve spent
The Prestige terms add wallet and prepaid card top-ups, naming GrabPay, EZ-Link and YouTrip.
The window is counted in calendar months. It runs from the month Citi opens the card to the end of the second month after it. Citi’s own example: a card opened on 12 August has until the end of October. So a card opened on the 1st has about three months, and one opened on the 30th a little over two. If S$800 will be a stretch, an application early in the month gives you more time. For Prestige the window starts on the day Citi approves the card and ends with the second full month after it. Citi goes by the date of each purchase, in Singapore time.
Using the code, step by step
- Open Citi’s referral page with the code Our button above opens it with the code already in the address. You can also go to Citi’s referral page yourself, choose “I was invited by a friend”, type the code and tap Sign up now. Either way Citi sends you to its list of cards with the code attached.
- Pick a card and apply online Citi’s referral terms cover online applications only. If the form asks for a referral code, type it there too: we haven’t seen the form with a code already filled in.
- Citi approves and opens the card For the welcome offer, that has to happen within 30 days of the application. For the referral, Citi has to approve it by 31 December 2026, and you have to agree to Citi telling the referrer that your account is open.
- Use the card once within 30 days One transaction in the first 30 days completes the referral (term 10(d)). It doesn’t affect your own offer.
- Spend for the welcome offer S$800 of retail spending in the window (S$14,000 on Prestige). Citi credits the offer within three calendar months after the window ends. Close the card or fall behind on payments before then and Citi can withhold it.
Already a Citi cardholder? Your own code
Citi’s referral page makes you a code after you give your name, mobile number and the last 4 digits of your Citi card. You get S$150 for each friend Citi approves between 1 July and 31 December 2026 who meets the conditions above, up to 10 friends.
| Friends approved | You get |
|---|---|
| 1 | S$150 |
| 2 | S$300 |
| 3 | S$450 |
| 4 | S$600 |
| 5 | S$750 |
| 6 | S$900 |
| 7 | S$1,050 |
| 8 | S$1,200 |
| 9 | S$1,350 |
| 10 | S$1,500 |
Term 5 of Citi’s 2026 referral terms caps the reward at S$1,500, reached with the 10th friend. The table on Citi’s referral page stops at 8 friends (S$1,200); the terms are what Citi pays on.
The money arrives as credit on the card you used to make the code, 12 to 16 weeks after each friend qualifies (term 8). It can’t be withdrawn as cash and doesn’t count towards your minimum payment (term 9). If you change your mobile number or close that card, make a new code: referrals on the old one aren’t paid (term 11). A friend who opens two cards still counts once.
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Questions
Is it worth using a Citi referral code?
For you, it makes no difference: Citi’s welcome offer is the same with or without one. The code only decides who Citi pays S$150. While SingSaver or MoneySmart run a cash gift for Citi cards, applying through one of them is worth more to you than any code, as the table at the top shows.
Posts say a Citi referral code gets you “up to S$300 cash back”. Does it?
That S$300 is Citi’s ordinary welcome offer on the Cash Back, SMRT and M1 cards, which new customers get after S$800 of spending, code or no code. Citi’s 2026 referral terms give the friend nothing extra.
I already have a Citi card. Can I use a code?
Only for a Citi Prestige card. For every other card, the referral terms and the welcome offers are for people with no main Citi credit card.
What if Citi approves my card in January?
Then the referral doesn’t count, because Citi’s 2026 referral period needs approval by 31 December. Your welcome offer is unaffected: most of them run to 31 March 2027, and the M1 card’s to 28 February 2027.
Can I use the code in the Citi Mobile app?
Citi’s referral terms are for online referrals, and the place to enter a code is the referral page on Citi’s website, which then takes you to the application. We haven’t found an app screen for it.
When does the welcome offer arrive?
Within three calendar months after the spending window ends, Citi’s terms say. The box above works out the date for the month your card opens.
Is the annual fee S$194.40 or S$196.20?
S$196.20. Both are S$180 plus GST: S$194.40 at the old 8%, S$196.20 at today’s 9%. Citi’s card pages still show the older figure, while its PremierMiles offer terms charge S$196.20. Most of the cards waive it in the first year, and the SMRT card for two years.
Changes to this page
No corrections yet. The first one will be listed here, with the date and what changed.
New: Citi credit card referral code. What a code gives you (Citi’s usual welcome offer, nothing extra) and what it pays its owner, every card’s welcome offer, fee and minimum income from Citi’s own terms, a box that works out whether you qualify and your spend-by and payout dates, and when SingSaver or MoneySmart pay you more than any code. See the page
How we know this
The referral rules come from Citi’s 2026 Member-Get-Member terms and its referral page. Each welcome offer comes from that card’s own offer terms, linked in the table, and the fees and minimum incomes from Citi’s card list for referred friends, all read on 14 Nov 2026. The SingSaver and MoneySmart gifts come from their Citi Cash Back Card pages on the same day; they change often, and we re-read them every week. The code is our editor’s own, made on Citi’s referral page on 14 Nov 2026. Nobody has applied with it yet, so we haven’t seen a referral paid, and we haven’t seen Citi’s application form with a code in it. The dates in the box are our arithmetic on Citi’s terms. The other apps we keep codes for, checked the same way, are on our Referral Codes page.