[SURE WIN S$450 CASH]
Get S$400 Cash or 5,040 SmartPoints + a 5GB Eskimo Global eSIM (worth US$25) in as fast as 5 weeks when you spend S$500 within 30 days. Plus spend monthly on your card for 3 months and get EXTRA S$50 Cash!
Stand to get additional prizes like a Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart! T&Cs apply.
MoneySmart Exclusive Promotion is valid from 09-June 2025 to 15-June-2025
Applicable for New-to Citibank Cardmembers only
Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.
Log into your MoneySmart account and submit your claim by 15th July 2025
Get EXTRA S$50 Cash on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!
Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.
Get an additional 5GB Eskimo eSIM on top of your baseline gift if you are the first 800 to meet the spend criteria and submit the claim form!
Earn 1 chance to get additional prizes: Panerai Quaranta 40mm PAM01572 (worth S$8,500) or S$5,000 Cash or an Apple 14" MacBook Pro (worth S$2,199) on top of your baseline gift when you sign up through MoneySmart and meet the spend criteria! T&Cs apply.
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "
As seen on Google
"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
As seen on Google
"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as am currently reviewing my own financial expenses. Good job, Guys!"
As seen on Google
Learn more in our full review of the Citi SMRT Card.
Credit Card | Citi SMRT Card | POSB Everyday Card | OCBC 365 Card |
---|---|---|---|
Interest Rate | 27.9% p.a. | 27.8% p.a. | 27.78% p.a. |
Annual Fee | $196.20 (First 2 years waived) | $196.20 (First year waived) | $196.20 (First 2 years waived) |
Minimum Annual Income |
$30,000 (Singaporeans/PRs) $42,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
Cashback Benefits |
• 5% SMRT$ on groceries, online, transport & ride-hailing • 0.3% SMRT$ on all other spend • 1 SMRT$ = $1 • Min. $500 spend/month |
Min. $800 spend • 10% on food delivery • 5% on dining • 10% on offline Malaysian Ringgit spend • 10% on public transport (SimplyGo) • 5% on online shopping (TikTok Shop, Taobao, Shopee, etc.) • 8% at POPULAR Note: Varying Daily$ caps apply |
No min. spend • 5% on groceries (capped at $30/month) • 6% at SPC, 2% at SpeedyCare • 3% at Pet Lovers’ Centre (min. $15) • 0.3% on all other spend • 6% cashback on petrol • Up to 29.5% fuel savings (Caltex, Esso, Sinopec) • 5% on dining and food delivery • 3% on groceries, transport, Watsons, streaming, EV charging, utilities Min. $800 spend = $80 cashback cap Min. $1,600 spend = $160 cashback cap Otherwise: 0.25% cashback |
Singapore Citizens / PRs | Foreigners | |
---|---|---|
Age | 21 and above | 21 and above |
Minimum annual income | $30,000 | $42,000 |
Documents required | Salaried employee Self-employed |