No Minimum Spend for Cashback
Citi SMRT Card is an everyday groceries and dining cashback credit card with great benefits like it doubling up as an EZ-Link card with an auto top-up function. This Visa card requires a low minimum spend of just S$300 for you to earn maximum cashback, while also offering you the option to redeem points for either cash rebates or rewards.
Cash Back on Eligible Spend
Cash Back Cap per year
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

Disclaimer: At, 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.