Citibank SMRT Card
- 5%
- Cash Back on Eligible Spend
- S$600
- Cash Back Cap per year
- S$300
- Min. Spend per month
Quick Facts
Get the maximum value by
Spending at least S$300 monthly across groceries, fast food, coffee, and movies to enjoy 5% rebates
Good for
Everyday Singaporeans; young and budget-conscious families with pets
Categories to maximise this card
Almost anything from grocery shopping, fast food, coffees, movies, public transport and online shopping
What people use it for
EZ-Link card; every general spend card
Get if
You spend heavily on groceries at Fairprice, Giant, and Sheng Shiong, Pet Lovers Centre, Popular Bookstore, Toys”R”Us, and EZ-Link top-ups
All Details
No monthly rebates cap, although rebates are capped at S$600 per year
Minimum spend of S$300 per month to earn maximum rebates across groceries, fast food, coffee, movies, and public transport
Earn up to 2% SMRT$ for EZ-Reload transactions of more than $30. 1% SMRT$ for EZ-Reload transactions of $30 or less
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
To apply for EZ-Reload Auto Top-up facility, please download the EZ-Link mobile app and register your card. For more details on how to apply and activate EZ-Reload, visit https://www.ezlink.com.sg/ez-reload-on-ez-link-app
Supports Grocery stores such as NTUC FairPrice, Sheng Siong, Giant
Earn up to 5% SMRT$ at these supermarkets: Fairprice, Giant and Sheng Siong
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
Earn savings on Movies
Earn up to 5% on movie tickets at Cathay Cineplexes, Filmgarde, Golden Village and Shaw Theatres
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
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
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
GNC, Guardian, Nature's Farm, NTUC Unity and Watson: Health and beauty transactions in stores awarded up to 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 transactions in stores awarded 1.7% rebate. Spend S$300 on your card per statement month to enjoy an additional 0.3% rebate, which gives you a total of 2% rebate
Health and beauty retailers: Watsons, Guardian, GNC, NTUC Unity Healthcare, Nature’s Farm
Movies - Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres only
Toys & Books - POPULAR Bookstores, Toys'R'Us
Health & Beauty - GNC, Guardian, Nature's Farm, NTUC Unity Healthcare, Watson's
Exclusions: travel-related merchants including airlines, car rental, lodging, railways, taxicabs, limousines, bus, cruise, etc.
Best for: Petrol transactions at Esso & Shell
Esso: 5% Esso site discount + 5% Esso Smiles discount + 4% Citi card discount = Total of 14% savings effectively
Shell: 5% Shell site discount + 5% Shell Escape discount + 4% Citi card discount = Total of 14% savings effectively
Supports all Online spends except travel-related merchants
Earn up to 3% SMRT$ Online
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$300 on your card) rebate instead of the in-stores rebates rates
Exclusions: travel-related merchants including global airlines, car rentals such Sixt, Hertz, Europcar and more, lodging in the likes of hotels, and resorts, railways, taxicabs like Grab and Gojek, limousines, bus, cruise, etc. EZ-Reload transactions qualify for rebates for this credit card
Earn savings on Fast Food & Coffee
Earn up to 5% SMRT$ at participating dining & coffee merchants
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
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 Singaporean/PR Minimum Income S$30,000 Non-Singaporean Minimum Income S$42,000 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 Visa Visa Contactless Apple Pay Samsung Pay Citi Pay
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