5%

Cash Back on Eligible Spend

^S$600

Cash Back Cap per year

^S$300

Min. Spend per month

All Details

• Key Features

  • No monthly rebates cap, although rebates are capped at S$600 per year

  • Minimum spend of S$300 per month to earn maximum rebates across groceries, fast food, coffee, movies, and public transport

  • Up to 2% rebates on EZ-Reload transactions via the EZ-Link App or automated GIRO top-up. Transactions above S$30

  • Every S$1 spent gives you 1 SMRT$. Redeem your Citi SMRT$ Rewards for cash rebates and vouchers via Citibank Online

  • 2 years fee waiver for principal cardholder and 2 supplementary cards

  • Visit bus or MRT ticketing machines to activate this card via TransitLink’s SimplyGo function to use it as an everyday EZ-Link card. Transactions via TransitLink do not qualify for rebates

Grocery

Excellent

Supports Grocery stores such as NTUC FairPrice, Sheng Siong, Giant

• Grocery transactions in stores below S$50 awarded 2.7% rebate

• Grocery transactions in stores above S$50 awarded 4.7% rebate

• If you spend above S$300 on your card per statement month, you enjoy an additional 0.3% rebate to the above transactions

• Rebates eligible at FairPrice, Giant, Sheng Shiong, and Pet Lovers Centre

• Enjoy 7% rebate at FairPrice Xtra Kallang Wave. Rebate increases to 7.3% if you spend above S$300 on your card per statement month

Entertainment

Very Good

Earn savings on Movies

• Movie ticket transactions awarded 4.7% rebate when purchased in stores. Rebate increases to 5% if you spend above S$300 on your card per statement month

• Cinemas: Golden Village, Cathay Cineplexes, Shaw Theatres, Filmgarde

Bill Payment

Very Good

• Sync your card to the Citibank One Bill portal to pay selected bills to enjoy a 0.7% rebate on all transactions. Rebate increases to 1% if you spend more than S$300 per month on your card – Telcos: M1, Singtel, StarHub

• Telcos: M1, Singtel, StarHub

• Town Councils: Marine Parade, Ang Mo Kio, Aljunied Hougang, Bishan Toa Payoh, Choa Chu Kang, East Coast-Fengshan, Holland Bukit Panjang, Jurong, Jalan Besar, Pasir Ris-Punggol, Sembawang, Tanjong Pagar, Tampines, West Coast, Nee Soon

• Insurance: Chubb

• Others: Community Chest, SPH

Shopping

Very Good

Earn savings on Stationeries, Health & Beauty and Online spend

• Popular Bookstores, Toys”R”Us: Enjoy 4.7% rebate on your transactions in stores. Rebate increases to 5% if you spend above S$300 on your card per statement month

• Health and beauty transactions in stores awarded 1.7% rebate. Spend S$300 on your card per statement month to enjoy an additional 0.3% rebate, which gives you a total of 2% rebate

• Health and beauty retailers: Watsons, Guardian, GNC, NTUC Unity Healthcare, Nature’s Farm

• Movies - Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres only Toys & Books - POPULAR Bookstores, Toys'R'Us Health & Beauty - GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's

• Exclusions: travel-related merchants including airlines, car rental, lodging, railways, taxicabs, limousines, bus, cruise, etc.

Dining

Very Good

Earn savings on Fast Food & Coffee

• Dining transactions in stores awarded 4.7% rebate

• Spend above S$300 on your card per statement month to enjoy an additional 0.3% rebate to your dining transactions

• Bakery: BreadTalk

• Fast Food: Burger King, KFC, McDonald’s, Pizza Hut, Subway

• Restaurants: PastaMania, Sakae Sushi

• Coffee: Starbucks Coffee, Coffee Bean & Tea Leaf, Toast Box, The Connoisseur Concerto (tcc), Coffee Club, Dome Café, Gloria Jean’s Coffee

Online Shopping

Very Good

Supports all Online spends except travel-related merchants

• Online transactions entitled to a rebate of 2.7%, which increases to 3% if you spend above S$300 on your card per statement month

• All online transactions in categories listed above – groceries, dining, shopping, movies – will be subject to this 2.7% (or 3% if you spend S$300 on your card) rebate instead of the in-stores rebates rates

• Exclusions: travel-related merchants including global airlines, car rentals such Sixt, Hertz, Europcar and more, lodging in the likes of hotels, and resorts, railways, taxicabs like Grab and Gojek, limousines, bus, cruise, etc. EZ-Reload transactions qualify for rebates for this credit card

Petrol

Very Good

Best for: Petrol transactions at Esso & Shell

• Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively

• Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively

Annual Interest Rate and Fees

Annual Principal Fee	S$192.60
Supplementary Annual Fee	S$96.30
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	1% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$42,000

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Citi Pay