Citibank SMRT Card
Must Have Card
Compare this Card

Citibank SMRT Card

  • 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 redeeemed for cash rebate or vouchers

Credit Card Sign Up Promotions & Deals

MoneySmart Exclusive! - Free S$150 NTUC Fairprice OR Takashimaya Vouchers
  • Apply through MoneySmart between 1 Dec 2017 - 31 Dec 2017 and get a free S$150 NTUC Fairprice or S$150 Takashimaya Voucher
  • Cards applicable for this promotion are the Citi Cash Back Card, Citi PremierMiles Visa Card, Citi Rewards Card & Citi SMRT Card
  • You should receive an email from us 4-6 weeks after your card has been approved with more details about redemption of the Takashimaya promotion
  • Only New-to-Card Customers will be eligible for the promotion. For the full T&Cs, click here.
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

Grocery

  • Excellent 5/5
Grocery Discount
  • Fair Price
  • Giant
  • Sheng Siong
  • 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 $300)
  • Grocery - FairPrice, Giant, Sheng Siong, FairPrice Xtra Kallang Wave (up to 7.3% savings) only
  • Savings awarded in SMRT$. 1 SMRT$ = S$1 of vouchers. Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres

Online Shopping

  • Very Good 4/5
  • 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 4/5
Activities this card covers
    • Movies
    • Others
  • 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

Shopping

  • Very Good 4/5
  • 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

Dining

  • Satisfactory 3/5
  • 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

Petrol

  • Satisfactory 3/5
Petrol Discount Savings per Year
  • Esso $391
  • Shell $391
  • 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)

Cash Back

  • Satisfactory 3/5
Total Annual Cashback
$377 / year
  • 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

Credit Card Information

Things to look out for

  • Maximum 600 SMRT$ awarded for every 12 month period
  • Redeem SMRT$ for cash rebate instantly via SMS
  • Vouchers available for Giant, Sheng Siong, SMRT, Popular, Watsons, Shaw Theatres
  • Card can be used as an EZlink card for public transportation
  • Additional SMRT$ of up to 10% awarded for purchase at Sheng Shiong, Subway, Starbucks, Cedele and more
  • Online Spend excludes all travel-related merchants worldwide, including 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

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $42,000 per year

Interest Rate & Late Payment Fees

  • Principal Annual Fee $160.50 per year
  • Supplementary Annual Fee $85.60 per year
  • Fee Waiver 2 years fee waiver for Principal and two (2) Supplementary cards
  • Annual Interest Rate 28%
  • Late Payment Fees S$80
  • Minimum Monthly Repayment 1% or S$50, whichever is higher
  • Interest-free Period 25 days
  • Foreign Currency Transaction Fee 2.5%
  • Balance Transfer Fee N/A

Other Information

  • Card Association Visa
  • Wireless Payment Visa payWave
  • Mobile Wallet Payment N/A
Citibank SMRT Card

Apply for the Citibank SMRT Card online now!

0 Shortlisted Personal Loan Product