Citi SMRT Platinum Visa Card

Last updated:May 2019
Offers
Benefits
Eligibility
APR/ FEES

Offers

Exclusive Offer

from SingSaver

OFFER 1

Receive S$200 vouchers

$200 Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. 

  • Get $30 NTUC FairPrice vouchers upon approval for existing customers.
  • Terms and Conditions apply.
  • Promotion valid till 30 June 2019.

Need some help?

No worries, we've got you covered!

How do credit cards work?

A credit card lets you pay for purchases both in shops and online without paying cash. You usually get slightly more than a month to pay that amount back to the bank without incurring any interest. However, if you do not pay the full sum before the due date, an interest (up to 24% - 28% per annum.) is charged on the outstanding amount. Banks usually require you to pay a minimum sum each month.

What's the difference between credit cards and debit cards?

When you apply for a credit card, you get a credit limit, which is usually two to four times your monthly salary. You draw down on this credit limit when you make purchases and then repay the bank at the end of the month. With a debit card, however, the exact purchase amount is deducted directly from an account that's linked to the debit card. If there are insufficient funds in the account, the transaction will not go through.

How do I apply for a credit card?

You can apply for a credit card online or through forms available at banks or shopping malls. Fill up the personal details required, submit the relevant documents and wait for the application to be approved.

When can I apply for a credit card?

You must be at least 21 years old to apply for a credit card. Some banks allow student credit cards to be issued to those aged 18. The minimum age for a supplementary card holder is also 18 years old.

Daily Expenses
First Timers
Dining & Entertainment
Annual Fee Waiver
Daily Expenses
First Timers
Dining & Entertainment
Annual Fee Waiver

Great for

SingSaver Exclusive: Get S$200 NTUC Fairprice vouchers, Takashimaya vouchers or Grab promo codes upon approval new customers only. Promo ends 30 June 2019. Terms and Conditions apply.
SingSaver Exclusive: Get S$30 NTUC FairPrice vouchers upon approval for existing customers. Promo valid till 30 June 2019. Apply here for existing customers .
Enjoy up to 5% savings on groceries at major supermarkets, fast food, movies, coffee and online shopping, with min. monthly spend of S$300.
Redeem your SMRT$ for shopping vouchers, rides or cash rebate. 10 SMRT$ = S$10 cash rebate.
Doubles as an EZ-Link Card for daily commute with an auto top-up function.
No convenience fee for EZ-Reload Auto Top-up transactions
All other spend earns 0.3% SMRT$.
Annual Cap of SMRT$600.

Need to know

Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$42,000

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
All Spending
0.3 %
Dining Spending
5 %
Supermarket Spending
5 %
Online Shopping Spending (Local)
3 %
Retail Spending
3 %
Online Shopping Spending (Overseas)
5 %
Local Spending
5 %

Eligibility

APR/ FEES

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