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
3 Offers Available
Get 1x chance to win a VIP Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
  • SingSaver Giveaway promotion runs from 16 April 2025, 9:00 AM SGT to 4 May 2025.
  • Promotion is valid for new applicants of American Express / Citi / HSBC / Standard Chartered credit cards or IG / Longbridge / Webull stock brokerages only.
  • Apply for participating credit card or stock brokerage products during the promo period to receive 1x chance to win a VIP Suite Concert Experience!
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply
S$400 Cash via PayNow
SingSaver Exclusive Offer
S$400 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 4 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.
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
SingSaver Exclusive Offer
2x Poh Heng Treasures 1gm Gold Bar in Yellow Gold (999) (worth S$460 as of 14 Mar 2025)
  • SingSaver Exclusive Offer promotion is valid until 4 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 4 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.
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499)
  • SingSaver Exclusive Offer promotion is valid until 4 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 4 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.
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
SingSaver Exclusive Offer
DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  • SingSaver Exclusive Offer promotion is valid until 4 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 1 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  %
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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

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