Citi Rewards Card Bonus MCC Categories
The Citi Rewards Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Online Shopping — 4 MPD
All online shopping transactions earn 4 MPD. Covers e-commerce, clothing, electronics, and more.
2. Travel (Online) — 4 MPD
Online travel bookings (flights, hotels) also earn 4 MPD.
Tips to Maximize Citi Rewards Card Rewards
- Use exclusively for online purchases to maximize the 4 MPD rate
- Stack with Shopee/Lazada vouchers and coins for double dipping
- Avoid in-store purchases — online-only earns the best rate
- Check MCC before big online purchases using CheckMCC
Frequently Asked Questions
What is the Citi Rewards earn rate?
Citi Rewards earns 4 MPD on all online spend and 1 MPD on offline spend. No category restrictions for online transactions.
Does Citi Rewards cap online rewards?
Check the latest terms — Citi periodically adjusts caps. The 4 MPD rate historically has a monthly cap on bonus rewards.
Is Citi Rewards better than UOB PPV?
Both earn 4 MPD on online spend. Citi Rewards has broader online coverage while UOB PPV requires MCC whitelist. Check CheckMCC for your specific merchants.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.