Citi SMRT Card

Last updated: Jul 2023
S$
30,000

Min. Annual Income

5
%

Cashback on groceries

at FairPrice, Giant, and Sheng Siong
With a min. total spend of S$500 per statement month
5
%

Cashback

for online purchases, excluding travel-related transactions
With a min. total spend of S$500 per statement month
BENEFITS
ELIGIBILITY
APR/ FEES
Daily Expenses
First Timers
Dining & Entertainment
Annual Fee Waiver

Great for

  • Up to 5% savings at supermarkets, including Giant, Sheng Siong, and FairPrice
  • Up to 5% savings on online purchases
  • Up to 5% savings on taxis and private hire rides
  • Up to 5% savings on SimplyGo transactions
  • 0.3% savings on other retail spend
  • Redeem SMRT$ earned for shopping vouchers or instant cash rebates
  • Two-year annual fee waiver for principal cardmember and up to two supplementary cardmembers

Need to know

  • Min. spend of S$500 per statement month required for full bonus earn rate
  • Redemption for shopping vouchers and cash rebates has to be performed online or via SMS
  • Rebates capped at 600 SMRT$ per year, starting from the date your card is issued

Year-round rewards

CASH REBATE
Supermarket Spending
5 %
With a min. total spend of S$500 per statement month
Online Shopping Spending (Local)
5 %
With a min. total spend of S$500 per statement month
Online Shopping Spending (Overseas)
5 %
With a min. total spend of S$500 per statement month
Retail Spending
0.3 %
Excluding accelerated cashback categories

Eligibility

Minimum Age
21
Min. Annual Income
S$30,000
Monthly Spend Required
S$500

Fees

Annual Fee
S$194.40 (First Two Years Fee Waiver)
Foreign Currency Transaction Fee
3.25%

Repayment

Minimum Payment
1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.
Late payment charge
S$100 if Minimum Payment Due is not received on or before the Payment Due Date.
Interest On Purchases
27.9% (Effective 24 July 2023. Current annual interest rate is 26.9%)
Interest On Cash Advance
28.0%
Interest Free Repayment Period
25 Days

Other information

Supported Payment Type
Apple Pay
Google Pay
Samsung Pay
Credit card type
Visa Platinum

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