Current Phase
Local Spend Guide
CITI REWARDS + AMAZE STACK ACTIVE · HSBC REVOLUTION REPLACES ALL LOCAL CONTACTLESS WHEN IT ARRIVES
⚠ APPLE PAY IN-APP = 0.4 mpd on Citi Rewards. Never tap Apple Pay button inside Grab, Tada, Foodpanda, McDonald's app. Save Citi Rewards card number directly in each app. See Apple Pay tab.
AMAZE 1% LOCAL FEE RULE: Amaze charges 1% (min $0.50) on SGD transactions. Break-even vs Citi PM = ~$14 per transaction. Use Amaze + Citi Rewards for physical spend above $15 only.
| Category | Monthly $ | Best — Now | mpd | After HSBC | mpd | Notes |
|---|---|---|---|---|---|---|
| ONLINE & IN-APP — CITI REWARDS EARNS 4 MPD DIRECTLY (NO AMAZE NEEDED) | ||||||
| Grab rides & GrabFood app | Varies | CITI REWARDS saved card · NO Apple Pay | 4 mpd | HSBC REV | 4 mpd | Save CR card number in Grab payment settings. Do NOT use Apple Pay button in-app. |
| Tada & Gojek | Varies | CITI REWARDS saved card | 4 mpd | HSBC REV | 4 mpd | Card number directly saved in app. Not Apple Pay. |
| Foodpanda, Deliveroo | Varies | CITI REWARDS saved card | 4 mpd | HSBC REV | 4 mpd | Food delivery MCC qualifies. Save card directly. |
| McDonald's app | ~$35 | CITI REWARDS saved card | 4 mpd | HSBC REV | 4 mpd | MCC 5814. Save CR card number directly. Verify 4 mpd after first order in Citi app. |
| Shopee, Lazada, Taobao | Occasional | CITI REWARDS | 4 mpd | CITI REWARDS | 4 mpd | Online retail — CR earns 4 mpd directly. No Amaze needed (Amaze adds 1% SGD fee for zero benefit here). |
| iHerb (every ~2 months) | Varies | CITI REWARDS | 4 mpd | CITI REWARDS | 4 mpd | Online international purchase. CR earns 4 mpd. No Amaze needed. |
| Claude subscription ~$30/mo | ~$30 | CITI REWARDS | 4 mpd | HSBC REV | 4 mpd | Online subscription MCC 5818. CR earns 4 mpd. |
| PHYSICAL IN-STORE — AMAZE RECODES TO ONLINE FOR 4 MPD (USE ABOVE $15) | ||||||
| Restaurants, family dinners | ~$60 | CITI REWARDS+ AMAZE tap Amaze | 4 mpd −1% fee | HSBC REV | 4 mpd | Each visit ~$60 — above $15. Net ~3% return vs 1.56% Citi PM. Worth using Amaze. |
| Cigarettes — 7-11, NTUC, Giant | ~$300 | CITI REWARDS+ AMAZE | 4 mpd −1% fee | HSBC REV | 4 mpd | Individual buys ~$16–19 = above $15 threshold. Use Amaze tap. Dedicated tobacco shops (MCC 5993) = 0 mpd on all cards. |
| KTV (if card terminal) | ~$300 | CITI REWARDS+ AMAZE | 4 mpd −1% fee | HSBC REV | 4 mpd | $400 KTV = huge Amaze win. $400 × 4mpd – 1% = ~$16.80 value vs $6.24 Citi PM. Always use Amaze for large spend. |
| Petrol — Caltex / Sinopec SG | ~$70 | CITI REWARDS+ AMAZE | 4 mpd −1% fee | HSBC REV | 4 mpd | Tap Amaze at pump terminal. $70 × 4 mpd – 1% = net 3% return vs 1.56% Citi PM. |
| Mall shopping, retail | ~$100 | CITI REWARDS+ AMAZE | 4 mpd −1% fee | HSBC REV | 4 mpd | Department stores + clothing earn 4 mpd on CR direct. All other retail: use Amaze. |
| TRANSPORT | ||||||
| SimplyGo MRT & Bus | ~$50 | CITI PM Apple Pay | 1.2 mpd | HSBC REV + HEYMAX | 4 mpd + Max Miles | Amaze $0.50 min fee on $1.50 fare = terrible. Use Citi PM direct now. Never mix Apple Pay + physical card same journey. |
| Anytime Fitness — $110/mo | $110 | CITI REWARDS set as billing card — VERIFY | 4 mpd? ⚠ AUDIT | HSBC REV | 4 mpd ✓ | AUDIT NOTE: Citi Rewards earns 4 mpd on online/e-commerce MCCs. AF is MCC 7997 (health clubs) — not explicitly listed. Community reports mixed. Set CR as billing card, check Citi app after first charge. If 1X points: switch to Citi PM (1.2 mpd confirmed) until HSBC arrives (HSBC = 4 mpd confirmed). |
| ZERO EARN — STRUCTURAL (NO WORKAROUND ON ANY CARD) | ||||||
| Hawker / kopitiam (PayNow) | $400–600 | PAYNOW = 0 MILES | 0 | PAYNOW = 0 MILES | 0 | Buy Grab/NTUC vouchers via HeyMax with CR card for partial conversion on planned orders. |
| Insurance, telco, season parking, NETS cashcard | ~$239 | 0 MILES — ALL EXCLUDED | 0 | 0 MILES | 0 | MCC 6300/4813/9311 + NETS all excluded. Keep on existing autopay. |
JB + Travel
Overseas Spend Guide
AMAZE OVERSEAS = NO 1% FEE · CITI PM FALLBACK AT 2.2 MPD FCY
Amaze overseas = zero fee. The 1% local SGD fee does NOT apply to foreign currency (MYR, THB, JPY etc). Overseas Amaze + Citi Rewards = 4 mpd + ~2.1% FX spread. This is your best combo for JB and all overseas travel.
| Category | Est. $ | Option 1 — Best | mpd + FX | Option 2 — Fallback | mpd + FX | Notes |
|---|---|---|---|---|---|---|
| JB — REGULAR TRIPS | ||||||
| JB restaurants, cafes, massage | ~$150 MYR | CITI REWARDS+ AMAZE | 4 mpd no Amaze fee ~2.1% FX | CITI PM | 2.2 mpd 3.25% FX | Tap Amaze (Apple Pay or physical card) at terminal. No 1% fee overseas. Best JB combo. |
| JB Shell petrol | ~$60 MYR | CITI REWARDS+ AMAZE | 4 mpd ~2.1% FX | CITI PM | 2.2 mpd | Shell JB excluded on UOB cards. Amaze or Citi PM only. |
| JB 7-Eleven cigarettes | ~$30 MYR | CITI REWARDS+ AMAZE | 4 mpd | CITI PM | 2.2 mpd | 7-Eleven = MCC 5912 (not 5993). 4 mpd via Amaze. Dedicated tobacco shops = 0 mpd. |
| JB hawkers, cash-only | ~$30 MYR | YOUTRIP | 0 mpd 0% FX | CASH MYR | 0 | No terminal. YouTrip for best FX on cash needs. |
| JB highway tolls (2nd Link / Causeway) | Varies | TNG RFID | 0 | TNG RFID | 0 | RFID mandatory. Top up TNG via DBS debit. E-wallet top-ups = 0 miles on all cards. |
| TRAVEL BOOKINGS (ONLINE) | ||||||
| Flights — direct airline (SQ, Scoot, AirAsia) | Per trip | CITI PM | 2.2 mpd FCY | HSBC REV (when ready) | 4 mpd | Citi Rewards excludes travel MCC — Amaze cannot bypass. Citi PM best now. HSBC when available. |
| Hotels — direct hotel website | Per trip | CITI PM | 2.2 mpd FCY | HSBC REV (when ready) | 4 mpd | HSBC earns 4 mpd on MCC 7011. Until HSBC: Citi PM. |
| Agoda, Booking.com, Trip.com, Expedia | Per trip | CITI PM | 2.2 mpd FCY | CITI PM | 2.2 mpd | HSBC excludes MCC 4722 (OTAs). Citi PM is best for OTAs regardless of what other cards you have. |
| Klook | Per trip | CITI PM | 2.2 mpd FCY | CITI PM | 2.2 mpd | Klook = MCC 4722 — 0.4 mpd on HSBC. Always use Citi PM for Klook. |
| Airbnb | Per trip | HSBC REV (when ready) | 4 mpd | CITI PM | 2.2 mpd FCY | Airbnb = MCC 7011 (lodging) — earns 4 mpd on HSBC. Use Citi PM until HSBC arrives. |
| OVERSEAS GENERAL — BKK, JAPAN, BALI ETC | ||||||
| Restaurants, shops with Visa terminal | Per trip | CITI REWARDS+ AMAZE | 4 mpd ~2.1% FX | CITI PM | 2.2 mpd FCY | Amaze overseas = always best for in-store retail. No fee + lower FX + 4 mpd. |
| Local transport, cash needs | Per trip | YOUTRIP | 0% FX | CASH LOCAL | — | YouTrip for ATM + transit. Never credit card cash advance (27.9% p.a. interest immediately). |
Critical
Apple Pay Rules
ONLY AFFECTS CITI REWARDS · CITI PM EARNS 1.2 MPD ON APPLE PAY EVERYWHERE — NO ISSUE
Citi PM + Apple Pay = always fine. No restrictions whatsoever. Apple Pay rules below ONLY apply to Citi Rewards (bonus-category card).
The Two Scenarios
❌ In-App Apple Pay Button = 0.4 mpd on Citi Rewards
Tapping the "Pay with Apple Pay" button inside an app routes through Apple's wallet layer. Citi Rewards explicitly excludes in-app mobile wallet payments from the 4 mpd bonus. You earn 0.4 mpd. Waste of a card.
Grab → Apple Pay ✗
McDonald's app → Apple Pay ✗
Foodpanda → Apple Pay ✗
Shopee → Apple Pay ✗
Tada → Apple Pay ✗
✓ Physical Terminal Tap via Apple Pay = Works (depends on MCC)
Tapping your phone at a physical checkout terminal = Apple Pay works fine on Citi Rewards. The merchant's MCC determines earn rate. Department stores / clothing = 4 mpd. Restaurants = 0.4 mpd normally. That's why you use Amaze instead of Citi Rewards direct for most physical taps.
Uniqlo / Zara tap (CR direct) = 4 mpd ✓
Restaurant tap (CR direct) = 0.4 mpd → use Amaze instead
✓ Amaze via Apple Pay at Physical Terminal = 4 mpd
Add Amaze virtual card to Apple Pay. Tap Amaze (via Apple Pay) at any physical terminal → Amaze recodes the MCC → Citi Rewards sees it as online → 4 mpd. The in-app Apple Pay exclusion does NOT apply here.
Amaze (Apple Pay) tap at 7-11 → Citi Rewards = 4 mpd ✓
Quick Decision Tree
Paying in-app (Grab, McDonald's, Foodpanda)?Save CR card number directly — NOT Apple Pay
Saved card option available in app?Use CR saved card → 4 mpd ✓
Physical terminal (restaurant, 7-11, petrol)?Tap Amaze via Apple Pay → 4 mpd ✓
Physical department store / Uniqlo / Zara?CR direct Apple Pay OR Amaze → both 4 mpd ✓
SimplyGo MRT/bus?Citi PM Apple Pay — Amaze fee kills small fares
Stacking Rewards
Loyalty Stack — All Points to Miles
HEYMAX · ATOME+ · YUU POINTS · ALL CONVERT TO KRISFLYER
Every dollar you spend can earn from multiple programmes simultaneously. Credit card miles + Atome+ points + HeyMax Max Miles + Yuu points on the same transaction where applicable. Here's how each flows to KrisFlyer.
Your Full Loyalty Stack
HeyMax (Max Miles)
Stacks on top of card miles via portal shopping, voucher purchases, and Visa Card Maximiser (when HSBC Revolution arrives). Transfers FREE to KrisFlyer 1:1 instantly. Best transfer route — always use HeyMax over Citi's $27.25 fee.
Atome+ Points
Earned on every Atome BNPL purchase. Best route: convert via HeyMax (1.6 Atome+ = 1 Max Mile = 1 KrisFlyer mile, free). Direct to KrisFlyer is worse (2.4 Atome+ = 1 KrisFlyer mile).
Yuu Points (POSB Passion)
You have ~6,000 Yuu points accumulated. Convert FREE: 3.6 Yuu = 1 KrisFlyer mile. Your 6,000 points = ~1,667 free KrisFlyer miles. Do this now if not done.
Citi Miles (Both Cards)
Citi PM = 1.2 mpd local, 2.2 mpd FCY. Citi Rewards = 4 mpd on eligible online + in-store via Amaze. Both earn Citi Miles / ThankYou Points. Transfer to KrisFlyer via Citi direct ($27.25/transfer) or accumulate in Citi and transfer via HeyMax (free).
Atome+ → KrisFlyer Conversion Routes
Route
Conversion Rate
For 1,000 KF Miles need
Verdict
Atome+ → HeyMax → KrisFlyer RECOMMENDED
1.6 Atome+ = 1 Max Mile
1,600 Atome+ points
Best ✓
Atome+ → KrisFlyer Direct
2.4 Atome+ = 1 KF mile
2,400 Atome+ points
Worse ✗
How to Transfer Atome+ via HeyMax
SPEND via ATOME
→
EARN ATOME+ POINTS
→
REDEEM VOUCHER CODE in Atome app
→
PASTE CODE into HeyMax app
→
MAX MILES credited (never expire)
→
TRANSFER FREE to KrisFlyer 1:1
Yuu Points → KrisFlyer
Your current Yuu balance~6,000 points
Conversion rate3.6 Yuu = 1 KrisFlyer mile (free)
Your 6,000 Yuu points =~1,667 KrisFlyer miles FREE
How to convertYuu app → Me → Transfer to KrisFlyer
Min conversion200 Yuu points
DirectionONE WAY ONLY — never convert KF miles back to Yuu
HeyMax — Transfer Rules
HeyMax → KrisFlyer transfer feeFREE — always use HeyMax over Citi direct
Citi Miles → KrisFlyer direct$27.25 flat fee per transfer
StrategyAccumulate Citi Miles (never expire). Transfer via HeyMax to save fees.
HeyMax Max Miles expiryNever expire ✓
HeyMax → KrisFlyer1:1 instantly ✓
Cash For Miles (HeyMax)Removed June 2026 — 17 legacy airline routes also removed
KrisFlyer direct transferStill fully supported ✓
Where Each Programme Stacks
| Spend Type | Card Miles | Atome+ | HeyMax | Yuu |
|---|---|---|---|---|
| Grab app (CR saved card) | 4 mpd | No | Portal if available | No |
| Shopee / Lazada via HeyMax portal | 4 mpd (CR) | No | Yes — Max Miles ✓ | No |
| Secretlab chair via Atome (ongoing instalments) | 4 mpd (CR) | Yes — Atome+ ✓ | No | No |
| iPhone 17 via Atome (Sept plan) | 4 mpd (CR) | Yes — Atome+ ✓ | No | No |
| HeyMax voucher purchase (Grab, NTUC) | 4 mpd (CR online) | No | Yes — Max Miles ✓ | No |
| 7-Eleven cigarettes (POSB Passion debit) | Yuu points only | No | No | Yes — ~5 mpd equiv ✓ |
| NTUC FairPrice (POSB Passion debit) | Yuu points only | No | No | Yes — Yuu merchant ✓ |
BNPL Strategy
Atome Guide
SPLIT PAYMENTS · STAY UNDER 4 MPD CAP · EARN DUAL REWARDS
Why Atome + Citi Rewards = the best combo for big purchases. Citi Rewards 4 mpd is capped at $1,000/month. A $1,600 iPhone paid outright: $1,000 earns 4 mpd (4,000 miles) + $600 earns only 0.4 mpd (240 miles) = 4,240 total. Same $1,600 split 3× via Atome ($533/payment): each instalment earns 4 mpd = 6,400 total miles. Atome gets you more miles AND you earn Atome+ points on top.
Current Active Atome Plan
Secretlab Chair — 6 Instalments (from 5 July 2026)
Card linkedCiti Rewards MC (direct number)
Earn rate per instalment4 mpd + Atome+ points
Payment triggerMANUAL — must trigger in Atome app 2–3 days before each due date
Why manual?Auto BNPL billing can fail to trigger online rewards on CR. Manual = safe.
Atome+ conversionVia HeyMax route: 1.6 Atome+ = 1 Max Mile = 1 KrisFlyer mile (free)
Upcoming Atome Plan — iPhone 17
iPhone 17 via Atome — After Mid-September 2026
Plan: buy iPhone 17 after iPhone 18 Pro launches (mid-Sept 2026), likely at reduced price or via authorised reseller. Use Atome 3-month split to stay under $1,000/month cap per instalment.
Approx price~$1,299–$1,599 (iPhone 17)
Atome split (3×)~$433–$533/instalment
Miles each instalment~1,732–2,132 miles × 3 = ~5,196–6,396 total miles
vs paying outright4,000 miles max (cap kills it). Atome wins by ~1,200–2,400 miles.
ActionCheck if Apple.com SG or authorised resellers (Harvey Norman, Challenger, Courts) support Atome when it launches
Atome Rules — Always Follow These
1
Always trigger payments manually
Atome app → My Purchases → find the instalment → Pay Now. Do this 2–3 days before due date. Auto-payment may not register as an online transaction on Citi Rewards and could earn 0.4 mpd instead of 4 mpd.
2
Link Citi Rewards MC via direct card number
Not Apple Pay. Not Google Pay. The card number saved directly in Atome ensures the transaction routes correctly for online rewards.
3
Convert Atome+ via HeyMax, not direct to KrisFlyer
1.6 Atome+ = 1 Max Mile → 1 KrisFlyer mile (free). Direct route = 2.4 Atome+ = 1 KrisFlyer mile. HeyMax saves 33% more points per mile.
4
Check Citi app after each instalment payment
Verify 10X points (4 mpd) posted. If only 1X: your manual trigger may have gone through the wrong MCC. Contact Citi Rewards customer service to investigate.
Accumulation
Miles Tracker
Current Phase — Citi PM + Citi Rewards + Amaze Stack
~3,200
MILES/MONTH
BOTH CITI CARDS
BOTH CITI CARDS
~38,400
MILES/YEAR
CURRENT PHASE
CURRENT PHASE
Never
CITI MILES EXPIRY
BOTH CARDS
BOTH CARDS
Nov '26
HSBC TARGET
OR AFTER NOA 2027
OR AFTER NOA 2027
Monthly Breakdown
JB FCY via Amaze+CR (~$210 MYR × 4 mpd)~840 miles
Physical stores via Amaze+CR (~$430 × 4 mpd – 1% fee)~1,700 miles net
Online apps (Grab, Tada, food delivery, Shopee × 4 mpd)varies
Anytime Fitness $110 × 4 mpd (if CR qualifies) or 1.2 mpd (Citi PM)440 or 132 miles
Claude $30 × 4 mpd (CR online)120 miles
SimplyGo $50 × 1.2 mpd (Citi PM)60 miles
Atome instalments (Secretlab, iPhone later) × 4 mpdbonus each month active
Est. monthly total~3,200+ miles
After HSBC Revolution
~4,000+
MILES/MONTH
ALL 3 CARDS
ALL 3 CARDS
~48,000+
MILES/YEAR
No overhead
HSBC = 4 MPD
ZERO AMAZE FEE LOCALLY
ZERO AMAZE FEE LOCALLY
Redemption Milestones
🛫 Scoot short-hop 1-way (Bali, Phuket, Chiang Mai)~6,000 miles · ~2 months
✈️ Return economy Bangkok SQ (35,000 miles)~11 months now · ~9 months with HSBC
✈️ Return economy Tokyo / Seoul SQ (54,000 miles)~17 months now · ~14 months with HSBC
✈️ Return economy Europe SQ (~100,000 miles)~31 months now · ~25 months with HSBC
Transfer Rules — All Programmes
Citi Miles → KrisFlyer (direct)$27.25 flat fee — transfer in 25,000+ batches
HeyMax Max Miles → KrisFlyerFREE · 1:1 · instant ✓
Atome+ → HeyMax → KrisFlyerFREE · 1.6 Atome+ = 1 Max Mile = 1 KF mile ✓
Yuu → KrisFlyerFREE · 3.6 Yuu = 1 KF mile ✓
KrisFlyer miles expiry3 years from transaction date
Citi Miles expiryNever (while card active) ✓
Cancel either Citi cardAll Citi Miles forfeited instantly — TRANSFER FIRST
Airport Perk
Lounge Access
CITI PREMIERMILES · PRIORITY PASS · 2× FREE VISITS/YEAR
2×
FREE VISITS/YEAR
RESETS 22 MAY ANNUALLY
RESETS 22 MAY ANNUALLY
US$32
PER EXTRA VISIT
AFTER FREE 2
AFTER FREE 2
Register Priority Pass Now If Not Done
Download "Priority Pass" app → register Citi PM card number. Cannot register at the airport. Do it at home. Takes 5 minutes.
Changi Lounges Covered
SATS Premier LoungeT1 T2 T3 T4 ✓
Plaza Premium LoungeT1 T3 ✓
How to usePriority Pass app + boarding pass at entrance. Free inside.
JB tripsNo — land crossing, no airport
Unused visitsDon't carry forward — use by 21 May 2027
Admin
Annual Fees & Key Dates
Annual Fees
Citi PremierMiles — approved 22 May 2026Year 1 WAIVED ✓
Year 2 (~May 2027)$196.20 — call 1800 225 5225 before due date
Citi Rewards World MC — approved late June 2026Year 1 FREE ✓
Year 2 (~June 2027)$196.20 — call 1800 225 5225 before due date
HSBC Revolution (when approved)$0 FOREVER ✓
Amaze / HeyMax / AtomeAll FREE ✓
Retention Call Script (for both Citi cards)
Call 1800 225 5225 ~2 weeks before anniversary. Say: "My annual fee of $196.20 is due. I'm reviewing whether to keep the card. Is there anything you can do about the fee?"
~70% chance they waive it outright. If not: ask if renewal miles are offered. 10,000 renewal miles (~$130 value) vs $196 fee = net $66 cost. Usually worth it if using the card actively.
Key Dates Calendar
✓ DONE — MoneySmart $380 claim submitted~Nov 2026 cash arrives via PayNow
⚠ ONGOING — Pay Citi PM bill manually by due dateSet reminder 5 days before each due date. No GIRO.
5 July 2026✓ Secretlab chair purchased via Atome (6 instalments)
~19 July 2026Anytime Fitness sign-up — link Citi Rewards, verify 4 mpd on first charge
Mid-September 2026iPhone 18 Pro launch → buy iPhone 17 via Atome
Nov 2026 or laterHSBC Revolution application — call 1800 227 8889 informally first
~May 2027Citi PM Year 2 fee — call retention to waive
~June 2027Citi Rewards Year 2 fee — call retention to waive
🚨 Before Cancelling ANY Citi Card
Transfer ALL Citi Miles / ThankYou Points to KrisFlyer first. Forfeited instantly on cancellation — no grace period, no recovery.
HSBC Revolution — Current Thinking
Three hard CBS inquiries in May–June 2026 (HSBC rejected + Citi PM + Citi Rewards). Applying again in November 2026 gives 5 months of CBS settling + 6 months of clean Citi payment history. However, if NOA for full $66k+ salary year is only filed in mid-2027, waiting for that NOA may give a significantly higher approval chance. Decision: apply November 2026 OR after 2027 NOA — evaluate situation then. Call HSBC 1800 227 8889 informally before applying either way.
One-Time Setup
Setup & App Guide
SAVE CITI REWARDS CARD NUMBER DIRECTLY IN EVERY APP — NOT APPLE PAY
App Payment Setup — Status
| App | Card to use | How | Earn | Status |
|---|---|---|---|---|
| Grab | CITI REWARDS | Saved card directly — NOT Apple Pay | 4 mpd | ✓ DONE |
| Tada | CITI REWARDS | Saved card directly | 4 mpd | ✓ DONE |
| McDonald's SG | CITI REWARDS | Saved card directly. Verify after first order. | 4 mpd | ✓ DONE |
| Shopee | CITI REWARDS | Saved card at checkout | 4 mpd | ✓ DONE |
| Taobao | CITI REWARDS | Saved card at checkout | 4 mpd | ✓ DONE |
| Foodpanda / Deliveroo | CITI REWARDS | Saved card directly | 4 mpd | ⚠ Verify done |
| Lazada | CITI REWARDS | Saved card at checkout | 4 mpd | ⚠ Verify done |
| Atome | CITI REWARDS | Card linked directly in Atome. Manual payments only. | 4 mpd + Atome+ | ✓ DONE |
| Instarem / Amaze | CITI REWARDS | Citi Rewards MC linked in Instarem app | 4 mpd (via Amaze) | ✓ DONE |
| SimplyGo | CITI PM | Apple Pay tap at gantry. No app needed. | 1.2 mpd | ✓ DONE |
| Anytime Fitness | CITI REWARDS | Set as recurring billing card ~19 July. Verify 4 mpd after first charge. | 4 mpd (VERIFY) | ⚠ ~19 JULY |
| Physical tap (in-store) | AMAZE → CITI REWARDS | Tap Amaze card (physical or Apple Pay) at terminal. Min $15 transaction. | 4 mpd – 1% | ✓ DONE |
Amaze Quick Rules
| Where | Fee | Earn | Use? |
|---|---|---|---|
| JB / overseas (FCY) | No fee ✓ | 4 mpd | Always ✓ |
| SG physical > $15 per txn | 1% (min $0.50) | 4 mpd net ~3% | Yes ✓ |
| SG physical < $15 per txn | $0.50 min = >3.3% fee | Kills value | No — use Citi PM ✗ |
| In-app purchases (Grab, Shopee) | 1% + no benefit | CR earns 4 mpd directly | No — use CR directly ✗ |
| SimplyGo taps | $0.50 min on ~$1.50 fare | Terrible | No — use Citi PM ✗ |
| Travel bookings (flights, OTAs) | — | CR excludes travel MCC | No — use Citi PM ✗ |