Citi SMRT Card

Citi SMRT Card

Enjoy 5% savings on all groceries, online purchases, and transportation spend with the Citi SMRT Card. SMRT$ points are earned when you spend, which you can redeem for cash rebates or shopping vouchers.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
S$ 500
Min. Annual Income
S$ 30,000
2 Offers Available
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson Supersonic™ hair dryer (worth S$649)
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$649)
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Dyson V12 Origin (worth S$749)
SingSaver Exclusive Offer
Dyson V12 Origin (worth S$749)
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Sony ZV-1F Vlog Camera (worth S$769)
SingSaver Exclusive Offer
Sony ZV-1F Vlog Camera (worth S$769)
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
S$450 Shopee Vouchers
SingSaver Exclusive Offer
S$450 Shopee Vouchers
  • SingSaver Exclusive Offer promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Apply for participating Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
  • Fastest Reward Fulfilment: Receive your reward in as little as 4 weeks!
  • Promotion does not stack with other welcome offers from Citibank.
  • Terms and Conditions apply.
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
  • SingSaver Exclusive promotion is valid until 14 May 2025.
  • Promotion is valid for new Citi credit cardmembers only.
  • Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for a Reward Upgrade.
  • The Reward Upgrade will replace SingSaver Exclusive promotional reward.
  • Terms and Conditions apply.

Things to consider

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Public transportation

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Grab/taxi rebate

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Online shopping rebate

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Monthly spend required

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Benefits

Cashback

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Cashback Base Rate
0.3  %
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Cashback Local
0.3  %
flight
Cashback Overseas
0.3  %
shopping_cart
Cashback Supermarket
5  %
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shopping_bag
Cashback Local Online Shopping
5  %
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Cashback Overseas Online Shopping
5  %
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commute
Cashback Transport
5  %
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Quick Facts

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5% savings on online purchases.

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5% savings at all supermarkets & grocery stores.

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5% savings on taxi & public transport rides.

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Minimum monthly spend of S$500 required to get higher cashback rates.

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Eligibility

Eligibility

Minimum Age
21  years old
Min. Annual Income
S$ 30,000
Monthly Spend Required
S$ 500
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Fees / Repayment

Fees

Annual Fee Waiver
2 years
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
8  %
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Air Miles Conversion Fee
S$ 25
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Repayment

Minimum Payment
2  %
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Late Payment Charge
S$ 100
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Interest on Purchase
27.9  %
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Interest on Cash Advance
28  %
Interest Free Period
25  days
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Others

Association

VISA Platinum

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Citi SMRT Card Citi SMRT Card

Read Singsaver’s full review of the Citi SMRT Card

Pros & cons

Pros Cons
Earn 5% cashback on qualifying spend: Earn 5% cashback when you spend on online shopping, groceries and transport (SimplyGo transactions and taxi rides). Cashback is earned as SMRT$ and can be used to redeem vouchers and other rewards. Minimum spend of $500 monthly to earn upsized cashback: Spending below $500 per month only attracts a base cashback rate of 0.3%. If you are not confident of hitting the monthly minimum spend, consider a cashback credit card with no minimum spend instead, such as the Standard Chartered SimplyCash Credit Card.
Citi World privileges: Cardholders can benefit from exclusive deals that include discounts on Taobao, RedMart, Canton Paradise, LeNu, and more. Minimum balance of SMRT$10 to redeem rewards or get cash rebates: Rewards can only be redeemed with a minimum balance of SMRT$10 in your account. In addition, once a voucher has been exchanged, it has to be used within three months of redemption.
Easily divide large bills or purchases into affordable installments: Citi PayLite allows cardholders to split their unbilled transactions into more manageable installments. Citi FlexiBill is the same option for existing credit card bills. Applications can be made via the Citi Mobile App, with instant approval. Maximum accumulation of points capped at SMRT$600 within a 12-month period: Upon expiry, points cannot be carried over or exchanged for rewards. As a result, cardholders need to be diligent about tracking and redeeming points.

 

Who is this card for

The Citi SMRT Card is perfect for Singaporean employees who commute daily to the office or worksite, whether that is by public transport or taxi. As cardholders get rewarded on SimplyGo transactions and spending on groceries, the Citi SMRT Card presents an easy way to get rewarded for everyday expenses. With a low required minimum spending of $500 per month, it also makes a great entry-level option for Singaporeans who are looking to apply for their first credit card. Shopping enthusiasts who are looking to get rewarded for the purchases they are already making will love the 5% cashback on online shopping transactions.

Compare to other cards

 

  Citi SMRT Card Standard Chartered SimplyCash Credit Card DBS LiveFresh Credit Card
Interest rate 27.9% 27.9% 27.82%
Annual fee $196.20 (first 2 years waived) $196.20 (first year waived) $196.20
Minimum annual income
  • $30,000 for Singaporeans and PRs
  • $42,000 for foreigners
  • $30,000 for Singaporeans and PRs
  • $90,000 for foreigners (must be EP holders)
  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners
Benefits
  • Unlock exclusive deals with Citi World privileges
  • Earn 5% cashback on SimplyGo transactions, taxi rides, grocery shopping and online shopping transactions, with a minimum spend of $500
  • Redeem SMRT$ for vouchers and cash rebates
  • Unlock exclusive deals with The Good Life privileges
  • No minimum monthly spend required 
  • No cap on monthly cashback amount
  • Up to 6% cashback on shopping and transport
  • Option to split transactions above $100 into three interest-free instalments
  • Exclusive Fresh dining and travel deals
  Read More Here Read More Here Read More Here

 

If you are looking for a cashback credit card that rewards you for spending on daily essentials, you can consider the Citi SMRT Card one of your top options. Working adults who commute daily should have no trouble hitting the minimum spend requirement of $500, and Citi World Privileges offer a value-added bonus into an already sweet deal. Keep in mind that not all transactions count towards the minimum spend, and this includes travel-related transactions.  

However, if the $500 minimum spend is a barrier for you, check out the Standard Chartered SimplyCash Credit Card, which comes with no minimum spending and an uncapped cashback rate of 1.5% on all transactions. Although this is lower than the enhanced rate of 5% offered on the Citi SMRT Card, the SimplyCash Credit Card is a more sensible option if you find yourself buying things you don’t need just to hit the $500 minimum spend each month. 

On the other end of the spectrum, those who are consistently spending up to $800 each month may want to consider the DBS LiveFresh Credit Card for enhanced rewards. Not only does it offer 6% enhanced cashback on qualifying shopping and transport spend, cardholders also have the option to split purchases amounting to $100 or more into three equal instalments, with no interest or processing fees.

In all, the Citi SMRT Card is a good choice for medium-income earners who consistently spend around $500 per month, especially if you commute daily or are in charge of your family’s grocery budget.

Credit card application


Step 1: Start your application on SingSaver

Click on the ‘Apply Now’ button on this page. From there, you can choose your reward (available until 14 May 2025) and continue by entering your email. This will allow you to receive a claim reward email, which will typically arrive within three calendar months after you have fulfilled all the promotion criteria.

Step 2: Fill in your personal and financial details on Citibank’s portal

Next, you will be redirected to Citibank to complete your application. For faster processing, you can choose to retrieve your details with MyInfo via SingPass. MyInfo integration will save you the trouble of uploading information such as your CPF statements and IRAS Notice of Assessment (NOA).

Step 3: Provide supporting documents

If you have chosen not to retrieve your details using MyInfo, Citibank may contact you to request the following documents:

  • Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners)
  • Payslips from the past 3 months
  • Latest Notice of Assessment (NOA) from IRAS

Step 4: Submit your application

After submitting your application, you can expect to hear back within 3 to 10 business days. If more documents are required from you, the process can take longer.

Step 5: Receive and activate your card

Upon approval, you will receive your new Citi SMRT Card in the mail. Your new card can be activated on the Citi Mobile App – simply follow the instructions that come with it.

Credit card application resources

The Citi SMRT Card isn’t the only credit card you can apply for via SingSaver. Check out our top recommendations by category:

 

Frequently asked questions about the Citi SMRT Card

What is the annual fee for the Citi SMRT Card?

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The annual fee is $196.20, which is automatically waived for the first two years.

Which transactions count as qualifying spend on the Citi SMRT Card?

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The following payments are considered qualifying transactions towards the $500 minimum spend (and enhanced cashback):

  • SimplyGo transactions
  • Taxi rides
  • Spending at supermarkets
  • Online shopping transactions

Take note that mobile wallet payments and travel-related transactions do not count as qualifying spend.

What is the income requirement for the Citi SMRT Card?

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Locals (Singaporean citizens and PRs) will need a minimum annual income of $30,000 while foreigners will need a minimum annual income of $45,000.

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