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Pay with Points
Use your Points to receive a credit back on almost anything you buy.
Pay with Points
Use your Points to receive a credit back on almost anything you buy.
Watch how it works
Enjoy the freedom of redeeming your Points with Pay with Points.
Everyday purchases
Use Pay with Points for everyday purchases.*
Travel
Don’t be bound by frequent flyer reward flights. Use Pay with Points on any flight you like.
Features and benefits
Easy
Enjoy the ease of Pay with Points for almost any purchase, anytime, anywhere.
Flexible
Use all your Points or some of them. Note: Partial Pay with Points is only available in the Citi Mobile® App.
Fast
Receive a credit back within two business days.
How to redeem
Conveniently redeem your favourite purchases using your accumulated Points via the Citi Mobile® App, Citi Online or SMS.
Step 1:
Sign on to your Citi Mobile® App. Tap on your Reward Points on the top screen which will take you to the Rewards Dashboard.
Step 2:
Tap on 'Pay with Points'.
Step 3:
Select the transactions you wish to redeem. You can select up to five transactions to redeem at a time. Adjust the points bar to select how many Points you want to use to redeem your transaction and hit ‘Save’.
Step 4:
Review and tap on ‘Pay with Points’ to proceed with the redemption. Upon successful confirmation of the redemption, a credit will be posted to your credit card account within two business days.
Step 1:
Sign on to your Citi Online account. Click on 'Rewards' from the menu bar on top of the screen, which will direct you to the 'Rewards Home' page.
Step 2:
Tap 'Redeem now' on the Pay with Points tile.
Step 3:
Select the transaction you wish to redeem. Review and tap on 'Continue' to proceed with the redemption.
Step 4:
Agree to the ‘Terms and Conditions’ and click on ‘Continue’ to complete the redemption. Upon successful confirmation of the redemption, you will receive a statement credit within two business days.
Step 1:
From time to time, you will receive an SMS in real time when you make a purchase.
Step 2:
Simply click on the link in the SMS, which will direct you to the redemption screen.
Step 3:
Review the purchase and the number of Points required to redeem for that transaction. Tap 'Redeem Now' to proceed with the redemption.
Step 4:
Upon successful confirmation of the redemption you will receive a statement credit within two business days.
Conversion rate
Citi Rewards Card
2,500 Points
$10
Citi Premier Card
2,500 Points
$10
Citi Prestige Card
2,500 Points
$10
More ways to redeem your points
Explore the many ways you can use your Points with our Citi Rewards Program.
Download the Citi Mobile®️ App
- Log in securely and quickly with Face ID®, Touch ID® or your fingerprint
- Activate your new cards, pay your bills and check your balance or recent transactions
- Access personalised offers and benefits
- Receive alerts so you can be notified of activities on your account
Pay with Points FAQs
Pay with Points FAQs
How does Pay with Points work? What purchases are eligible with Pay with Points? Is there a service fee to use Pay with Points? Who is eligible to use Pay with Points?
Can I use Pay with Points for a purchase I don’t have enough Points to cover the entire purchase?
Where can I view my statement credit for Pay with Points redemption?
How long will it take to receive my Pay with Points statement credit?
Is there a limit on the amount of Pay with Points statement credits I can receive?
Can I cancel my Pay with Points redemption?
Do I still have to pay the required Minimum Payment Due and/or Overdue Amount on my credit card account if I receive Pay with Points statement credits?
Do I still have to make the full payment on my credit card account if I receive Pay with Points statement credits amounting to my current months outstanding amount payable?
How will the Pay with Points statement credit appear on my credit card statement?
If I make a purchase, how long do I have to redeem for a Pay with Points statement credit?
Important information
Terms and Conditions for using Pay with Points or Spend and Redeem
- In order to use Pay with Points or Spend and Redeem to redeem your reward Points for statement credits to cover recent eligible purchases, you must have a credit card enrolled in the Citi Rewards Program and agree to the following terms and conditions. Customers who are enrolled in the Citi Qantas Rewards Program will not be eligible for Pay with Points or Spend and Redeem.
- Pay with Points statement credits can be requested online through the Citi Mobile® App and Citi Online. Spend and Redeem can only be accessed through a unique link contained in a text message that will be sent to your mobile device registered with us.
- Your credit card account must not be cancelled or suspended at the time you use Pay with Points or Spend and Redeem.
- An eligible purchase is a transaction we will present to you in your Citi Mobile® App, Citi Online or via SMS that can be paid by redeeming your reward Points. The types of transactions that may be paid by redeeming your reward Points may change and we will present these to you in the Citi Mobile® App, Citi Online or via SMS.
- The amount of reward Points you use to redeem for statement credits to cover your eligible purchases, whether in full or partially, will be deducted from your reward Points balance. You may select to pay for an eligible purchase with points (in full or partially) up to your available balance. There is a maximum limit of five eligible purchases at any one time.
- The Spend and Redeem offer is valid for 14 days after you receive a text message that contains instructions on how to redeem. Only the primary cardholder can redeem these Points.
- If you make a request to redeem Points for Pay with Points or Spend and Redeem, this request cannot be reversed, cancelled or changed after it has been accepted.
- Pay with Points or Spend and Redeem statement credits will post to your credit card within two business days of redemption and will appear in your next month's credit card statement or on Citi Online.
- Pay with Points or Spend and Redeem statement credits cannot be used towards your current month's minimum or total payment due. The required minimum and total payment reflected on your credit card statement must be paid pursuant to the terms of your credit card Agreement.
- If you receive a refund for the transaction, your statement credit will not be affected.
- There is no fee to use the Pay with Points or Spend and Redeem feature to redeem your reward Points.
- Citi Rewards may set minimum and/or maximum reward Points redemption requirements for Pay with Points or Spend and Redeem.
- Citi Rewards has the right to change the reward Points to dollar conversion rate for Pay with Points or Spend and Redeem statement credits or any other changes to these programs at any time. We will provide at least 30 days prior notice of changes, unless we reasonably consider the change to be non-material in nature. For any changes we consider to be non-material, we will publish this on our website and may notify you at the time you redeem your Reward.
- These Terms and Conditions are pursuant to your Citi Rewards Program Terms and Conditions.