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Citi Lazada Credit Card Review — Is It Only Good For Lazada Shoppers?

·11-min read
citi lazada card review
citi lazada card review

From the unexpectedly popular UOB KrisFlyer card to the newly introduced GrabPay credit card, there have been quite a few branded credit cards launched in the market. Here’s one more to add to the list: the Citi Lazada card.

As you can probably guess, this card targets those who shop on Lazada. That’s a lot of people: according to a report by Statista, Lazada is second to Shopee as the top e-commerce site in Singapore with more than 7 million monthly web visits in the first quarter of 2021.

In a nutshell, the Citi Lazada card offers a whopping 10X rewards ($1 = 4 miles) on Lazada purchases, and 5X ($1 = 2 miles) rewards for other key spending categories like dining, travel, entertainment and transport.

Is the Citi Lazada card really a godsend for Laz-addicts, or did they literally “play it up”? Here’s our take on the card.

Citi Lazada credit card overview

First, let’s look at the card benefits like bonus reward points (or air miles):

Spending category

Citi Lazada card benefits

Lazada (excludes RedMart)

10X rewards

4 mpd

Dining (fast food, restaurants, bars and clubs, caterers)

5X rewards

2 mpd

Entertainment (movie tickets, Netflix, Spotify)

5X rewards

2 mpd

Transport (bus, MRT, taxi, Grab, Gojek)

5X rewards

2 mpd

Travel (flights, hotels, cruises, car rental, travel agencies, tour operators)

5X rewards

2 mpd

Everything else

1X rewards


Citi Lazada credit card promotions

Those who sign up for the card get $250 welcome gift of Lazada and RedMart vouchers. This is provided you meet the minimum spend of $250 on Lazada.

You also get to benefit from the “Refer-a-friend” programme to get $120 cash for every successful credit card application.

Citibank logo
Citibank logo

Shipping Rebates on Lazada

Citi Lazada Credit Card

on Lazada

10X Reward Points

on Dining, Travel, Entertainment & Commute

5X Reward Points

on Lazada

Up to 4 Free Shipping Rebates per Month

Apply Now

More Details

Key Features

  • Spend S$250 on Lazada & Redmart and get S$250 Lazada and RedMart Vouchers. T&Cs apply.

  • 5X Reward Points on Dining, Travel, Entertainment and Commute

  • Earn 1X Reward Points on everything else, no cap

  • Accelerated Rewards capped at a maximum of 9,000 Points per statement month. Bank's T&Cs apply.

  • Enjoy complimentary shipping rebates with min. spend of S$50 per transaction on Lazada, capped at 4 shipping rebates per calendar month. T&Cs apply.

  • Enjoy the freedom of redeeming your Reward Points with Citi Pay with Points or for cash rebate via SMS.

  • Get exclusive offers on Lazada throughout the year for Citi Lazada Credit Cardholders only

See all card details

Citi Lazada card review — for Lazada shopping


  • Up to 10X rewards / 4 mpd on Lazada shopping

  • Shipping rebate of $1.99 cash back when you spend at least $50 per transaction on Lazada, capped at 4 rebates per month


  • Bonus earn rate excludes RedMart orders (1X rewards / 0.4 mpd)

If you are planning to make big-ticket Lazada purchases, you could really benefit from the 10X rewards. Say you’re renovating and intend to shop for furniture and electronics online, you can consider this card to shop for what you need via Lazada.

Read also: Lazada Promo Codes — How to Use Lazada Voucher Codes in Singapore

Another huge caveat is that this 10X earn rate does not apply to RedMart orders. This is quite disappointing, and I’d imagine it to be a deal breaker for many.

citi lazada card redmart exclusion
citi lazada card redmart exclusion

In fact, RedMart orders don’t even earn the second tier of 5X rewards. It falls under “everything else” and only earns 1X rewards, which is very low.

Do note, however, that your earnings are capped at 9,000 bonus reward points per month.

Citi Lazada card review — for general spending


  • 5X rewards / 2 mpd for public transport expenses incurred via SimplyGo

  • 5X rewards / 2 mpd for travel

  • 5X rewards / 2 mpd for dining includes bars and clubs too

  • Free travel insurance (must charge flight tickets to the card)


  • Mediocre earn rate of 5X rewards / 2 mpd on key spending categories

  • Shared rewards cap of 10,000 points

The Lazada perks may sound impressive, but those don’t mean much unless you shop heavily on that one platform.

For non-Lazada benefits, it’s a mediocre 5X rewards (or 2 mpd) earn rate for dining, travel, entertainment and transport (commute) and 1X rewards (0.4 mpd) for everything else.

If you can accept the earn rate, there are some noteworthy features of the card:

First of all, public transport fares incurred via SimplyGo are eligible for 5X rewards / 4 mpd under the “commute” category (MCC 4111 — local/suburban commuter passenger transportation — railroads, ferries, local water transportation).

Read also: SimplyGo (Formerly ABT) is Here. Should You Ditch Your EZLink Card?

Next, the “dining” spending category actually refers to what some other banks call “wine and dine”. That’s because it includes not just the usual eateries, restaurants and caterers, but drinking places like bars, lounges and night clubs as well.

Lastly, it’s (sort of) not bad for travel bookings as well (5X rewards / 4 mpd). If you charge your flight tickets to your card, you will also receive complimentary (albeit very basic) travel insurance coverage.

Citi Lazada card review — as an air miles card

If you’re a miles chaser, then 12X rewards / 4.8 mpd for Lazada used to be pretty impressive. Sadly, it was for a limited, promotional period only, and the usual 10X rewards (or 4 mpd) is very “meh”.

There are many other cards that offer the same 10X on broader spending categories (like online shopping in general), making it much easier to chock up points/miles.

Another note: like all Citibank cards, the rewards earned from the Citi Lazada card must be redeemed on their own, and cannot be pooled together with other cards.

citi lazada points pooling
citi lazada points pooling

For those accumulating miles from multiple Citibank cards, this could mean paying more conversion fees.

Here’s an example: If you have points under both your Citi Rewards card and your Citi Lazada card accounts, you can’t pool them together and convert them to miles at one shot.

You’ll have to do the conversion and pay twice. Also, you must earn at least 25,000 on each card because that’s the minimum block conversion.

Although separating the redemptions is not unheard of, quite a few other banks like DBS and UOB actually do point pooling.

Read also: KrisFlyer Miles Redemption Guide — How to Start Playing the Miles Game in Singapore

Citi Lazada credit card for food delivery orders

The fact that this is a Citibank card means that it gets quite a lot of discount promo codes on any of the major food delivery platforms like GrabFood, foodpanda, Deliveroo and WhyQ. Still, by that virtue, there are other, better Citibank cards to apply for, like the Citi Cash Back+ Mastercard.

Conclusion — who should use the Citi Lazada credit card?

In my opinion, the Citi Lazada card is quite average. It’s not terrible, but for most of the key spending categories, there are better cards out there.

Alternatives to the Citi Lazada credit card

Citi Cash Back+ Mastercard

Straight up cashback is just better than rewards or points these days, which is why the Citi Cash Back+ Mastercard is excellent for your shopping and utilitarian habits. You get 1.6% unlimited cashback for nearly all spends, and this includes grocery shopping as well.

Citibank logo
Citibank logo

MoneySmart Exclusive

No Expiry on Cash Back Earned

Citi Cash Back+ Mastercard®

Cash Back on Eligible Spend


Min. Spend per month


Cash Back Cap


MoneySmart Exclusive:

Apply and spend $200 to get: $300 Cash OR Beats Studio Buds RED + $100 Cash (worth $319)


Apply and spend $500 to get MORE: $350 Cash OR the NEW 10.2-inch Apple iPad Wi-Fi 64GB (worth $499) OR Beats Studio Buds RED + $100 Cash (worth $319)!

Valid until 19 Oct 2021

Apply Now

More Details

Cash Back Features

  • Flat 1.6% cashback on all your purchases, no minimum spend

  • No caps on the cashback you can earn, and cashback earned does not expire

  • Cashback earned will be stored and specified in the monthly statement

  • Redeem your cashback with the Citi Pay with Points feature via Citibank Online or the Citi Mobile App or SMS. Redemption requires 7 working days before it’s reflected on your statement

  • Cash rebates redemption: Send “RWDS last 4 digits of the card number ” to 72484 via SMS

  • Redemption values and codes: CSHBK10 for S$10, CSHBK20 for S$20, and CSHBK50 for S$50

  • For example, to redeem $10 cash rebate, the SMS should be: “RWDS XXXX CSHBK10”

  • General exclusions apply, for e.g. annual fees, instalments, bills, payments to educational, governmental, and financial institutions, insurance premiums, and more

See all card details

Citi Rewards card

The most common comparison is with the Citi Rewards card, which offers 10X rewards / 4 mpd on all online spend (excluding travel). This means you can use it for not just Lazada, but RedMart and every other e-commerce site there is too. The rewards cap is the same, at 10,000 points per month.

Apply for the Citi Rewards Card here:

Citibank logo
Citibank logo

MoneySmart Exclusive

Earn Points for Online Spending

Citi Rewards Card

Online Spend, including Food Delivery and Groceries

S$1= 10X Points

Grab and Gojek

S$1= 10X Points

All Other Spend

S$1 = 1 Point

MoneySmart Exclusive:

Apply and spend $200 to get: $300 Cash OR Beats Studio Buds RED + $100 Cash (worth $319)


Apply and spend $500 to get MORE: $350 Cash OR the NEW 10.2-inch Apple iPad Wi-Fi 64GB (worth $499) OR Beats Studio Buds RED + $100 Cash (worth $319)!

Valid until 19 Oct 2021

Apply Now

More Details

Key Features

  • 10X Rewards on all online purchases (excludes travel-related transactions). Bank's T&Cs apply

  • 10X Rewards on Ride-hailing, Shopping and Online spends. T&Cs apply

  • 10X Citi Rewards program gives you an additional bonus of 9X Rewards points per S$1 spend on eligible categories on top of the base rate

  • 10X Rewards capped at 10,000 Points per statement month and expires every 5 years

See all card details

DBS Woman’s World card

The DBS Woman’s World card is another alternative to consider. This one offers 10X rewards for online purchases too, but in blocks of $5 spent only. If you travel often, the DBS Woman’s World card also gives you 3X rewards on overseas purchases.

The only thing is that the minimum income requirement for this card is $80,000 (instead of the entry-level $30,000).

Apply for the DBS Woman’s World Card here:

DBS logo
DBS logo

MoneySmart Exclusive

DBS Woman's World Card

Online Spend

S$5 = 10 Points

Base Earn Rate

S$5= 1 Point

Min. Spend


MoneySmart Exclusive:

Apply and spend $300 to get: $300 Cashback OR Ergotune Ergonomic Classic Chair (worth $399). T&Cs Apply.

Valid until 18 Oct 2021

Apply Now

More Details

Key Features

  • 10 DBS rewards points per S$5 local and overseas online spend

  • 3 DBS rewards points per S$5 overseas spend

  • 1 DBS rewards point per S$5 spent on all other categories

  • Online hotel booking and staycation deals with Agoda and Klook

  • Beauty deals with Laneige, Skin Inc, Strip, Browhaus, High Brow etc.

  • Online shopping promotions with Fayth, Her Velvet Vase, The Closet Lover, and Senreve etc.

  • Activate SimplyGo to use your card as an EZ-Link. Bus and MRT fares are charged directly to your card, so you don’t even need to top-up or set up auto top-up arrangements

  • DBS Points earned can be redeemed for Apple products via the DBS Apple Rewards Store, NTUC, and Takashimaya vouchers, Golden Village movie tickets, and more

See all card details

HSBC Revolution card

The HSBC Revolution card has similar earn rate of 5X rewards on dining, online and entertainment, but its key appeal lies in that there’s no rewards cap. If you intend to make really big-ticket online purchases — like order a $7,000 TV or something — then this one is better.

Apply for the HSBC Revolution Card here:

HSBC logo
HSBC logo

Online Promo

Earn Points for Everyday Spending

HSBC Revolution Credit Card


S$1= 10 Points


S$1= 4 Miles

Min. Spend


Online Promo:

Get up to $200 cashback for new HSBC cardmembers. Existing HSBC cardmembers receive $60 cashback. T&Cs apply.

Valid until 31 Oct 2021

Apply Now

More Details

Key Features

  • No annual credit card fees

  • Get 10X Rewards Points, equivalent to 4 air miles per dollar spent

  • Redeem your rewards points for home, dining, retail, travel, or charity cash vouchers online or offset cash rebates on transactions online via rewards catalogue or the HSBC mobile app

  • Travel Insurance: Enjoy up to S$300,000 coverage when you charge travel expenses to card

See all card details

What do you think of the new Citi Lazada credit card? Tell us in the comments below.

* iPrice map of e-commerce in Singapore

Forum screenshots taken from Hardware Zone.

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