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), EZ-Link Auto Top-up 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 EZ-Reload and 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

  • 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

  • Information is accurate at time of publish. Please refer to Citibank (https://www.citibank.com.sg/gcb/credit_cards/credit-card.htm) for the latest updates.

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$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

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