Citi SMRT Credit Card Review (2023): Save 5% On Transport, Groceries & Online Shopping With No Monthly Cap

SingSaver team

SingSaver team

Last updated 28 May, 2024

The Citi SMRT Card isn’t just great for public transport. You can enjoy savings of up to 5% on your online shopping spend and groceries, too.

Contrary to what its name may suggest, the Citi SMRT Credit Card is more than just a credit card designed for those who take public transport on a regular basis. Everyday Singaporeans can utilise the Citi SMRT Credit Card to their advantage as long as they play their cards right. 

As a matter of fact, maximising the amount of cashback you can earn on your everyday purchases isn’t exactly rocket science with the Citi SMRT Credit Card. All you have to do to earn 5% cashback (0.3% base cashback and 4.7% bonus cashback) in the form of flexible SMRT$ is spend a minimum of S$500 each statement month.

Table of contents


What the Citi SMRT Credit Card can do for you

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Citi SMRT Credit Card product summary: 

  • 5% savings on taxi & public transport rides, online and supermarket purchases
  • 0.3% savings on all other qualifying retail spend
  • Minimum S$500 spend per month required to earn 5% cashback on selected categories
  • Annual income requirement: S$30,000 (Singaporeans/PR), S$42,000 (Foreigners)
  • Minimum age: 21
  • Annual fee: S$196.20 (First 2 years waived)
Pros ✅ Cons ❌
5% savings on online and grocery purchases Min. spend of S$500 per statement month required to earn 5% cashback
5% savings on taxis and ride-hailing services Total rebates capped at 600 SMRT$ per year, starting from the date your card is issued
5% savings on SimplyGo transactions for public transport Only earn 0.3% SMRT$ if monthly spend is below S$500
0.3% savings on all other qualifying retail spend SMRT$ or SMRT Reward Vouchers can only be redeemed in multiples of SMRT$10
No monthly cap on how many SMRT$ you can earn  
Redeem SMRT$ earned for shopping vouchers or instant cash rebates  

CITI_CC_EURO_BLOGARTICLE_800x250

🎉SingSaver x Citi CC Euro Summer Kickoff Lucky Draw🎉: Be one of the 10 lucky winners to win 120k Max Miles each (enough for a pair of economy-class round-trip tickets to anywhere in Europe) when you sign up for an eligible Citibank Credit Card on SingSaver. A total of 10x pairs of tickets will be given away for over 2 weeks, with 5x pairs given weekly. Valid till 23 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:

📣ONLY AVAILABLE ON SINGSAVER📣: Citi PremierMiles Card and Citi Prestige Card:

Citi PremierMiles_Campaign_BLOGARTICLE_800x250 (1)

Get a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or an Apple iPad 10th Gen 10.9 WiFi 64GB (worth S$529) or S$450 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Citi CC_BLOGARTICLE_800x250 (1)

Other Citi Credit Cards: Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.


Why should you choose the Citi SMRT Credit Card?

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#1: Earn up to 5% rebates on your public transport, Grab, Gojek and taxi rides

Find the cost of owning a car in Singapore too ridiculous to stomach? The Citi SMRT Credit Card can help you save on SimplyGo transactions, taxi and ride-hailing rides all year round. If you can hit the minimum spend of S$500 per statement month, expect to save 5% on all of the above-mentioned types of transactions. 


#2: Earn up to 5% rebates on online purchases

This cashback credit card lets you save up to 5% on your online purchases, excluding travel and mobile wallet transactions. Regardless of whether you tend to spend on Lazada, Shopee, Ezbuy, Amazon, Love Bonito, Zalora, Book Depository or any other e-commerce site, you can potentially save 5% on anything and everything you purchase online by charging them to your Citi SMRT Credit Card. 

#3: Earn up to 5% rebates at supermarket and grocery stores

Another stellar aspect of this credit card is that you can enjoy up to 5% savings when shopping for groceries no matter whether you favour going to Sheng Siong, Cold Storage, NTUC FairPrice or Giant. 

This versatility that the Citi SMRT Credit Card affords also translates into utmost convenience for cardmembers — you can earn rewards on your day-to-day grocery expenses wherever you may be without the need to shop at a particular supermarket chain or grocery store. 

Read more:
4 Reasons You Should Shop For Groceries Online Instead of Visiting Supermarkets
Which is the Cheapest Online Grocery in Singapore?

#4: No monthly cap on how many SMRT$ you can earn

While you need to hit the reasonable minimum spend of S$500 per statement month to earn 5% cashback on your groceries, public transport, private hire and online shopping transactions, it is nice to know Citi SMRT Credit Card does not limit the number of SMRT$ you can earn per month, unlike other rewards credit card on the market. 

Instead, your rebates are capped at 600 SMRT$ per year, starting from the date your card is issued.

This means you don’t need to shy away from using this card when making big-ticket purchases such as work-from-home essentials like Secretlab chairs and Omnidesks, or any other online purchase. Each 1 SMRT$ is equivalent to S$1 in cash value.

Following this, your accumulated SMRT$ can be redeemed in the following denominations:

Cash rebate redemption amount SMRT$ required SMS keyword
S$10 10 SMRT10
S$50 50 SMRT50
S$100 100 SMRT100

So yes, you'll need at least SMRT$10 in your card account balance before you're allowed to redeem any rebate.


What fees and charges should you look out for?

  • Annual fee: S$194.40 (First 2 years waived)
  • Cash advance fee: S$15 or 8% of amount drawn, whichever is higher
  • Late payment charge: S$100
  • Minimum monthly payment: 1% of current balance, plus 1% of outstanding unbilled instalment amounts and relevant upfront service fees, plus all interest charges, plus late payment charges, or S$50 plus any overdue amounts
  • Overlimit fee: S$40
  • Interest on purchases: 27.9% p.a. 
  • Interest on cash advance: 27.9% p.a.
    • Potential promo rate for prevailing interest rate and cash interest rate may be issued as 21.9% p.a. based on good conduct of account or 30.9% p.a. if account is past due in the month

Eligibility criteria

  • At least 21 years of age
  • Minimum annual income for Singapore Citizens and PRs: S$30,000
  • Minimum annual income for Foreigners: S$42,000

CITI_CC_EURO_BLOGARTICLE_800x250

🎉SingSaver x Citi CC Euro Summer Kickoff Lucky Draw🎉: Be one of the 10 lucky winners to win 120k Max Miles each (enough for a pair of economy-class round-trip tickets to anywhere in Europe) when you sign up for an eligible Citibank Credit Card on SingSaver. A total of 10x pairs of tickets will be given away for over 2 weeks, with 5x pairs given weekly. Valid till 23 June 2024. T&Cs apply.

SingSaver's Exclusive Offer: Receive the following rewards and experience Fastest Rewards Fulfilment when you sign up for a Citi Credit Card:

📣ONLY AVAILABLE ON SINGSAVER📣: Citi PremierMiles Card and Citi Prestige Card:

Citi PremierMiles_Campaign_BLOGARTICLE_800x250 (1)

Get a Dyson Supersonic (worth S$699) or a Dyson Micro 1.5kg Vacuum (worth S$599) or an Apple iPad 10th Gen 10.9 WiFi 64GB (worth S$529) or S$450 eCapitaVoucher upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Citi CC_BLOGARTICLE_800x250 (1)

Other Citi Credit Cards: Receive a Sony Portable Theatre System HT-AX7 (worth S$759) or a Dyson Supersonic (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or S$450 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 30 June 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 30 June 2024. T&Cs apply.


How to apply?

Click on the ‘Apply Now’ button or 'Pick Your Citibank Card Here' button on this page and complete the application form on SingSaver site. You might need to prepare the following documents for the application process:

  • Front and back of NRIC/Passport/Employment Pass
  • Salaried employees: Past 12 months' CPF statement (Singaporean/PR) or latest Income Tax Notice of Assessment or latest original computerised payslip
  • Self-employed: Last 2 years' Income Tax Notice of Assessment and last 3 months' bank statements
  • Foreigners/PRs:
    • Copy of passport and work permit (min. 6 months validity)
    • Copy of utility/telephone bill or bank statement with name and address, and
    • Latest Income Tax Notice of Assessment and latest original computerised payslip

Should you get the Citi SMRT Credit Card?

All in all, the Citi SMRT Credit Card is a great rewards card option for those who commute around Singapore frequently – whether it's by public transport or by ride-hailing services. Furthermore, it earns rebates for online purchases and grocery runs, so that's a plus point too!

Young working adults and those who live alone will benefit greatly from the 5% SMRT$ rebate provided by this credit card.

Read these next: 

Best Citibank Credit Cards in Singapore
Credit Cards You Should Use As Your EZ-Link Card
Top Credit Card Promotions And Deals On SingSaver
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Best Cashback Credit Cards In Singapore

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