 Medium.jpeg){kind=small}
Citi SMRT Card
Apply now and redeem any of these:
Product Carousel
MoneySmart Exclusive
Guaranteed S$380 Cash via PayNow
Guaranteed S$380 Cash via PayNow
FREE with SmartPoints
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
Apple 11-inch iPad Wi-Fi (A16, 2025, 128GB Silver)
6140 SmartPoints
worth S$499
FREE with SmartPoints
Shopee Voucher $450
6075 SmartPoints
worth S$450
Shopee Voucher $450
6075 SmartPoints
worth S$450
FREE with SmartPoints
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
LEVEL8 Adventure Trolley Luggage Case (28-inch, Black)
5805 SmartPoints
worth S$829
Only $86 with SmartPoints
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Apple Watch Series 11, 42mm (GPS, Jet Black Aluminium Case with Black Sport Band)
6995 SmartPoints
worth S$599
Only $1173 with SmartPoints
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
Apple iPhone 17 Pro (256GB, Cosmic Orange)
17865 SmartPoints
worth S$1749
View more rewards
View more rewards
Get S$380 Cash Reward or 6,140 SmartPoints (worth up to S$499 of Gifts) when you charge a min. of S$500 within 30 days!
PLUS, win a S$15,000 Dream Holiday to your preferred destination! T&Cs apply.
Valid till 09 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 05-June 2026 to 09-June-2026
Applicable for New-to Citibank Cardmembers only
Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.
This Promotion is only valid for Citibank Rewards, Cashback, SMRT and M1 credit cards.
Log into your MoneySmart account and submit your claim by 9th July 2026
WHAT YOU NEED TO KNOW
[MoneySmart Baseline Gift]
Choose between S$380 Cash via PayNow OR 6,140 SmartPoints when you meet the criteria above.[MoneySmart S$15,000 Getaway Lucky Draw]
Grab an extra gift! Stand a chance to win a S$15,000 Dream Holiday to your desired destination when you apply and meet the spend criteria! T&Cs apply.*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use the SmartPoints earned to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
Card Details
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
What Makes MoneySmart Trustworthy 👉
Citi SMRT Platinum Visa Card Benefits & Features
The Citi SMRT Card is a practical cashback credit card that turns everyday spending into tangible savings. Instead of only seeing small rebates here and there for specific categories, enjoy racking up value across daily essentials like your grocery runs, online shopping sprees, and daily commutes—expenses that matter most for students, young adults, and families alike.
- 5% savings on Malaysian Ringgit Spend on eligible retail and online spend. Valid from 1 Sept 2025 to 28 Feb 2026
- 5% cashback (in SMRT$) on eligible groceries
- 5% cashback (in SMRT$) on public transport rides and private hire via SimplyGo bus/MRT rides and ride-hailing services/taxis
- 5% cashback (in SMRT$) on eligible online shopping on major e-commerce platforms
- 3% cashback (in SMRT$) on eligible dining at local cafes and restaurants
- 0.3% cashback on all other eligible spend
- Minimum $500 qualifying spend per statement month required
- No monthly cap, but SMRT$ rebates are capped at SMRT$600 per year
- SMRT$ may be redeemed for reward vouchers (valid for 3 months) issued in multiples of SMRT$10, or as cash rebate via SMS
With this mix of SMRT cashback perks, this credit card makes routine expenses work harder for you. It’s a well-rounded option for maximising daily essentials while keeping costs low.
Is the Citi SMRT Card Great For Everyday or Overhyped?
Learn more in our full review of the Citi SMRT Card.
Pros & Cons of Citi SMRT Platinum Visa Card
Pros ✅
Cons ❌
Citi SMRT Platinum Visa Card Eligibility Requirements
| Singapore Citizens / PRs | Foreigners | |
|---|---|---|
| Age | Singapore Citizens / PRs21 and above | Foreigners21 and above |
| Minimum annual income | Singapore Citizens / PRs$30,000 | Foreigners$42,000 |
| Documents required | Singapore Citizens / PRsSalaried employee Self-employed | Foreigners |
How to apply for the Citi SMRT Platinum Visa Card?
Before you start your Citi SMRT Card application, it’s important to check if you meet the eligibility requirements. This ensures a smoother approval process and helps you unlock the full Citi SMRT minimum spend benefits, such as 5% cashback on groceries, transport, and online shopping.
Confirm eligibility
Ensure you meet the age requirement and the annual income requirement listed in the above table.
Prepare your documents
If not retrieving your personal particulars from SingPass and applying manually, you’ll typically need the following documents (as listed in the table above):
Apply via MoneySmart
Click on the “Apply Now” button on the Citi SMRT card listing to start your application process.
Additionally, you’ll be asked to provide your active email to access our MoneySmart Rewards Claim Form. This verifies your eligibility for the card’s sign-up reward, if any.
Wait for verification
Citibank may take a few working days to review and verify your documents and eligibility. Additional checks may be requested if needed.
Approval and activation
If approved, your card will be mailed within 5–7 working days. Alternatively, you can activate it online or via the Citi mobile app and start earning SMRT$ rebates immediately.
Citi SMRT Platinum Visa Card Fees, Charges, & Rebate Caps
| Fee/cap type | Amount | Conditions |
|---|---|---|
| Fee/cap typeAnnual fee | Amount$196.20 (including GST) | ConditionsWaived for first 2 years |
| Fee/cap typeSupplementary card fee | Amount$96.30 | ConditionsGood for family use |
| Fee/cap typeLate payment fee | Amount$100 | ConditionsCharged if minimum payment is not made by due date |
| Fee/cap typeOverseas transaction fee | AmountUp to 3.25% of transaction amount | ConditionsApplies to foreign currency spend |
| Fee/cap typeCash advance fee | AmountEither minimum of $15 or 6% of withdrawn amount, whichever is higher | ConditionsApplies to ATM withdrawals; expensive and not recommended unless emergency |
| Fee/cap typeRebate cap | AmountCashback in SMRT$ is capped at SMRT$600 per year | ConditionsEquivalent to ~$50 cashback per month if maxed |
Customer Reviews on MoneySmart Credit Card Applications
Review by TJ. Hoo
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "
As seen on Google
Review by D. Ng
"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
As seen on Google
Review by A. Koh
"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as am currently reviewing my own financial expenses. Good job, Guys!"
As seen on Google
Comparison: Citi SMRT Card vs POSB Everyday Card vs OCBC 365 Card
But how does this credit card fare against its other cashback credit card peers like the POSB Everyday Card and OCBC 365 Card? Let’s compare their annual fees, minimum annual incomes, cashback benefits, and more.
| Credit Card | Citi SMRT Card | POSB Everyday Card | OCBC 365 Card |
|---|---|---|---|
| Interest Rate | 27.9% p.a. | 27.8% p.a. | 27.78% p.a. |
| Annual Fee | $196.20 (First 2 years waived) | $196.20 (First year waived) | $196.20 (First 2 years waived) |
| Minimum Annual Income |
$30,000 (Singaporeans/PRs) $42,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
| Cashback Benefits |
• 5% SMRT$ on groceries, online, transport & ride-hailing • 0.3% SMRT$ on all other spend • 1 SMRT$ = $1 • Min. $500 spend/month |
Min. $800 spend • 10% on food delivery • 5% on dining • 10% on offline Malaysian Ringgit spend • 10% on public transport (SimplyGo) • 5% on online shopping (TikTok Shop, Taobao, Shopee, etc.) • 8% at POPULAR Note: Varying Daily$ caps apply |
No min. spend • 5% on groceries (capped at $30/month) • 6% at SPC, 2% at SpeedyCare • 3% at Pet Lovers’ Centre (min. $15) • 0.3% on all other spend • 6% cashback on petrol • Up to 29.5% fuel savings (Caltex, Esso, Sinopec) • 5% on dining and food delivery • 3% on groceries, transport, Watsons, streaming, EV charging, utilities Min. $800 spend = $80 cashback cap Min. $1,600 spend = $160 cashback cap Otherwise: 0.25% cashback |
Although the Citi SMRT Card offers simpler cashback offerings compared to other high-tier cards, this can actually be one of its biggest strengths—in the sense that the cashback is relatively fuss-free and straightforward to earn. This strips away complicated tiers, complex categories, or tricky exclusions (beyond the usual fine print). This makes it ideal for cashback newbies or anyone who wants a reliable card that rewards everyday spending without the mental gymnastics.
Citi SMRT Platinum Visa Card: How to Maximise Cashback & Promotions?
Since the Citi SMRT Card has a minimum monthly spend requirement of $500, here’s how to optimise your SMRT$ savings:
Groceries (5% cashback):
You spend $250 on your NTUC FairPrice supermarket runs.
Transport (5% cashback):
You spend about $100 on public transport fare for your daily commute to work.
Online shopping (5% cashback):
You succumb to your Shopee addiction and spend another $150 on your online shopping haul.
Save More on Rides and Supermarket Runs
Whether it's your weekly FairPrice haul or daily SimplyGo rides, you’re spending anyway, so why not earn from it? Find the right credit card to score cashback and rewards on them in our guide here.
Frequently Asked Questions About Citi SMRT Card
How do I redeem my SMRT$ for the Citi SMRT Card?
- To redeem your SMRT$ for cash rebate, you can do so via SMS by sending "RWDS [space] [last 4 digits of card number] [space] [corresponding redemption amount]" to 72484. It should look something like this: RWDS [space] Last 4 digits of Citi SMRT Card number [space] SMRT10
Alternatively, you can also redeem SMRT$ via the Citi Mobile App for statement credits to your Citi SMRT Card. What are the fees payable when I apply for the Citi SMRT Card?
- The Citi SMRT Card charges an annual fee of $196.20 with the first 2 years waived for free. Other fees to take note of include cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, overlimit fees, and more.
Am I eligible for the Citi SMRT Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi SMRT Card.
If I’m late for my monthly Citi SMRT Card bill payment, how much do I have to pay?
- A late payment charge of $100 applies.
What is the minimum spend for the Citi SMRT Platinum Visa Card cashback?
- You’ll need to spend at least $500 per month to qualify for the maximum SMRT$ savings on categories like groceries, dining, and transport, which in turn can be converted into cashback.
Spending below $500 would result in only earning the base 0.3% SMRT$ savings rate, and hence lower cashback. How much cashback can I earn on groceries with the Citi SMRT Platinum Visa Card?
- The card offers up to 5% cashback on groceries when you satisfy the $500 minimum monthly spend. Assuming you totally spend the $500 on groceries, that’s easily $25 cashback per month.
Is the Citi SMRT Platinum Visa Card good for transport expenses?
- Yes. The Citi SMRT Platinum Visa is especially strong for public transport and taxi rides, offering up to 5% cashback when the S$500 minimum spend is met. This makes it one of the best cards for daily commuters who want to save on MRT, bus, and ride-hailing costs.
How do I apply for the Citi SMRT Platinum Visa Card?
- Apply online via Citibank or through MoneySmart by clicking “Apply Now.” To qualify for MoneySmart Rewards, complete the rewards form after applying.
Ensure you meet the eligibility criteria (min. annual income: S$30,000 for Singaporeans/PRs, S$42,000 for foreigners) and prepare documents such as NRIC/passport, proof of income, and employment details. Can I use the Citi SMRT Platinum Visa Card overseas, and what are the fees?
- Yes, you can use the card overseas, but foreign transactions incur a 3.25% fee (including Visa’s charge). Cashback applies mainly to local categories, so overseas spending won’t earn the same benefits. It’s best to use a multi-currency card or a travel credit card abroad instead.
What promotions are currently available for the Citi SMRT Platinum Visa Card?
- MoneySmart frequently runs promotions such as cashback sign-up bonuses or SmartPoint rewards which are unlocked when you meet the minimum spend requirement within a set period after card approval.
These vary by period, so check Citi’s official promotions page or MoneySmart’s credit card offers hub for the latest deals before applying. How does the Citi SMRT Platinum Visa Card compare to other cashback cards in Singapore?
- The Citi SMRT Card stands out for transport and grocery savings, while cards like HSBC Revolution focus on online/dining and UOB EVOL on digital spend. If your lifestyle expenses are heavier on groceries and commuting, Citi SMRT is usually more rewarding.