5%

Cash Back on Eligible Spend

^S$600

Cash Back Cap per year

^S$500

Min. Spend per month

All Details

• Key Features

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

  • Minimum spend of S$500 per statement month to earn maximum rebates across groceries, online shopping, taxi rides (including private hire operators such as Grab and Gojek) and SimplyGo transactions.

  • Earn up to 5% SMRT$ on groceries [0.3% (base rate) + 4.7% (bonus rate)]

  • Earn up to 5% SMRT$ on online shopping [0.3% (base rate) + 4.7% (bonus rate)]

  • Earn up to 5% on taxis and private hire cars [0.3% (base rate) + 4.7% (bonus rate)]

  • Earn up to 5% SMRT$ for SimplyGo transactions [0.3% (base rate) + 4.7% (bonus rate)]

  • Earn 0.3% SMRT$ on all other retail spends

  • 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

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Grocery

Very Good

• 5% with monthly min. statement spend of S$500

• Note: online groceries transaction will only earn 1 x 5%

Online Shopping

Very Good

• 5% with monthly min. statement spend of S$500

• Exclusions: travel-related transactions

Annual Interest Rate and Fees

Annual Principal Fee	S$194.40
Supplementary Annual Fee	S$97.20
Fee Waiver	Available
Interest Free Period	25 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	Current balance if current balance is between S$0 to S$50. For current balance S$50 & above, (i) 1% of the current balance; plus (ii) 1% of any outstanding unbilled instalment amounts; plus (iii) all interest charges (including interest charged under instalment plans); plus (iv) all upfront service fees for instalment plans; plus (v) late payment charges; or S$50 plus any overdue amounts.
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

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	6 months
Work Permit Validity (Foreigners)	6 months
Utility or Telephone Bill	With Full Name and Address
Income Tax Notice of Assessment
Latest Original Computerised Payslip

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Citi Pay