Originally Posted by
Savage25
I've exceeded my 10X annual cap on my Citi Rewards Visa, but when I used it on Apple Pay at DFS Changi, its given me 10X for the last 3 transactions. So it looks like the 10X using Apple Pay at 10X merchants is not subject to the 10X annual cap. If that makes sense.
Are you sure? This 10X cap is based on membership year, not calendar year.
I called Citibank and they confirm that further spendings using at 10X merchants will earn only 1X after the cap is hit - whether you use the card itself or Apple Pay. Anyway the CSO said will check with the product manager and call back to confirm.