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.

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Cashback Supermarket

5 %

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With a minimum total spend of S$500 per statement month.

Monthly Spend Required

S$ 500

Cashback Transport

5 %

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With a minimum total spend of S$500 per statement month.

Cashback Base Rate

0.3 %

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Highlights

Cashback Supermarket

5 %

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With a minimum total spend of S$500 per statement month.

Monthly Spend Required

S$ 500

Cashback Transport

5 %

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With a minimum total spend of S$500 per statement month.

Cashback Base Rate

0.3 %

Things to consider when choosing this card:

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 %

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Cashback Overseas

0.3 %

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Cashback Supermarket

5 %

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With a minimum total spend of S$500 per statement month.

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Cashback Local Online Shopping

5 %

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With a minimum total spend of S$500 per statement month.

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Cashback Overseas Online Shopping

5 %

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With a minimum total spend of S$500 per statement month.

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Cashback Transport

5 %

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With a minimum total spend of S$500 per statement month.

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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

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$ 194.4

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First Two Years Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

8 %

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8% or minimum S$15, whichever is higher.

Air Miles Conversion Fee

S$ 25

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Excluding GST

Repayment

Minimum Payment

2 %

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1% of current a/c balance plus 1% outstanding amount plus late charges or S$50, whichever is higher.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.9 %

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27.9% (Effective 24 July 2023. Current annual interest rate is 26.9%).

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

Citi SMRT Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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