Promotions

Get 5% Cash Back with Apple Pay

5% Cash Back in terms of SMRT$ per S$1 spent on Qualifying Spend with your Citi card on Apple Pay
Overall cap of 600SMRT$ per year applies to this promotion
Valid till 31 Jul 2018

Get S$120 Cashback

Cash back awarded in denominations of S$20 with minimum spend of S$200 each month
Valid for applicants who do not have an existing Citi Credit Card account

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 $300)
5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
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

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 $300)
Grocery - NTUC FairPrice, Giant, Sheng Siong, NTUC FairPrice Xtra Kallang Wave (up to 7.3% savings) only
5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres

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 $300)
5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
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

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

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

Cash Back

Satisfactory

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 $300)
5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
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

Satisfactory

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)

Dining

Satisfactory

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 $300)
5% Cash Back in SMRT$ per S$1 spent on Apple Pay, capped at 600SMRT$ per year, excludes other promotional earn rates, valid till 31 Jul 2018
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

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$193
Supplementary Annual Fee	96.3
Fee Waiver	2 years fee waiver for Principal and two (2) Supplementary cards
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	2.80%
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

Citibank SMRT Card