Citibank SMRT Card

5%
Cash Back at Selected Grocery Stores
S$600
Cash Back Cap per year
S$300
Min. Spend per month
Available
Excellent
Very Good
Very Good
Very Good
Very Good
Very Good
Citibank SMRT Card

Citibank SMRT Card

Promotion
Promotions
Key features
Key features
  • Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300)
  • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300)
  • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
  • Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers
  • 2 years fee waiver for Principal and two (2) Supplementary cards
Grocery
Grocery
Excellent
  • Supports Grocery stores such as NTUC FairPrice, Sheng Siong, Giant
    • Up to 5% savings on Groceries. 4.7% (For transactions above $50. If transaction is $50 and below, 2.7% awarded instead) + 0.3% (If monthly card spend is at least $300)
    • Grocery - NTUC FairPrice, Giant, Sheng Siong, NTUC FairPrice Xtra Kallang Wave (up to 7.3% savings) only
    • Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
    Cash back
    Cash Back
    Very Good
    • Up to 5% savings on on Groceries. 4.7% (For transactions above $50. If transaction is $50 and below, 2.7% awarded instead) + 0.3% (If monthly card spend is at least $300)
    • Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
    • Up to 3% savings on Online Shopping. 2.7% + 0.3% (If monthly card spend is at least $300)
    • Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300). Including GNC, Guardian, Nature's Farm, NTUC Unity Healthcare & Watson's
    • Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead)
    • Up to 5% savings for the following with monthly spend of at least $300. 5% at POPULAR Bookstores and Toys"R"Us, 5% at selected Town Councils for Service and Conservancy Charges, 1% savings on Telecommunication bills, 1% on selected Insurance providers, 1% on SPH Newspaper Subscriptions. If monthly spend is less than $300, SMRT$ earn rate will be 0.3% less.
    • Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
    • 0.3% awarded on all other spend categories
    Petrol
    Petrol
    Very Good
  • Best for: Petrol transactions at Esso & Shell
    • 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% Citicard discount
    • 15% discount at Shell stations - 5% Shell site discount + 5% Shell Escape discount + 5% Citi Rebate (applies after Shell discount)
    Online shopping
    Online Shopping
    Very Good
  • Supports all Online spends except travel-related merchants
    • Up to 3% savings on Online Shopping*. 2.7% + 0.3% (if monthly card spend is at least $300)
    • *Excludes all travel-related merchants worldwide - Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services
    • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period
    Dining
    Dining
    Very Good
    • Earn savings on Fast Food & Coffee
    • Up to 5% savings on Fast Food & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300)
    • Fast Food - BreadTalk, Burger King, KFC, McDonald's, Pizza Hut, PastaMania, Sakae Sushi, Subway, Toastbox only
    • Coffee - Starbucks, Coffee Bean, Gloria Jean's, Coffee Club, Dome Cafe, TCC only
    • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period
    Shopping
    Shopping
    Very Good
  • Earn savings on Stationeries, Health & Beauty and Online spend
    • Up to 5% savings on Fast Food, Movies, Coffee, Toys, and Books. 4.7% + 0.3% (If monthly card spend is at least $300)
    • Up to 3% savings on Online Shopping*. 2.7% + 0.3% (if monthly card spend is at least $300)
    • Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300)
    • Movies - Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres only
      Toys & Books - POPULAR Bookstores, Toys'R'Us
      Health & Beauty - GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's
    • *Excludes all travel-related merchants worldwide - Airlines, Air Carriers, Car Rental Agencies, Lodging, Travel Agencies & Tour Operators, Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines and Other Transportation Services, Direct Marketing Travel-Related Arrangement Services
    • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period
    Entertainment
    Entertainment
    Very Good
  • Earn savings on Movies
    • Up to 5% savings on Fast Food, Movies, Coffee, Toys, and Books. 4.7% + 0.3% (If monthly card spend is at least $300)
    • Up to 2% savings on Health & Beauty. 1.7% + 0.3% (If monthly card spend is at least $300)
    • Movies - Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres only
      Toys & Books - POPULAR Bookstores, Toys'R'Us
      Health & Beauty - GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's
    • Savings awarded in SMRT$, capped at 600 SMRT$ every 12 month period
    Terms
    Terms and conditions
    Interest Rate & Late Payment Fees

    Annual Principal Fee

    $193

    Supplementary Annual Fee

    $96.30

    Fee Waiver

    Available

    Interest Free Period

    25 days

    Annual Interest Rate

    26.90%

    Late Payment Fees

    $100

    Minimum Monthly Repayment

    1% or S$50, whichever is higher

    Foreign Currency Transaction Fee

    3.00%

    Foreign Check Fee

    N/A

    Cash Advance Transaction Fee

    6% or $15, whichever is higher

    Overlimit Fee

    $40
    Eligibility

    Singaporean Minimum Income

    $30,000

    Non-Singaporean Minimum Income

    $42,000
    Other

    Card Association

    Visa

    Wireless Payment

    Visa payWave, Samsung Pay, Citi Pay