FASTER REWARD FULFILMENT | EARN UP TO 5% SMRT$
Citi SMRT Card is an daily groceries and commuting cashback credit card with great benefits. This Visa card requires a low minimum spend of just S$500 for you to earn maximum cashback, while also offering you the option to redeem points for either cash rebates or vouchers.
5% Savings
on Online Purchases, Groceries, Taxi, Ride-hailing & Public Transport
0.3% Savings
on Other Retail Spend
S$500
Min. Spend per month to earn max rebates
MoneySmart Exclusive

[UP TO S$420 CASH REWARDS!]
Get S$370 Cash or 5,040 SmartPoints , and a Circles.Life 3-month 150GB 4G Plan + 1TB 5G Local Data (worth S$65) in as fast as 5 weeks when you spend S$500 within 30 days. Get an EXTRA S$50 Cash or 700 SmartPoints when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months from card approval date! T&Cs apply.
 
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 12,280 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!

Valid until 28 Feb 2025 - See more details below

Are you eligible?

    • Promotion is valid from 17th February 2025 to 28th February 2025

    • Applicable for New-to Citibank Cardmembers only

    • Activate the approved Eligible Card via the Citi Mobile App and spend a minimum of S$500 which falls under “Qualifying Spend” within a 30-day period inclusive of account approval date.

    • Log into your MoneySmart account and submit your claim by 28th March 2025

What you need to know

  1. Get EXTRA S$50 Cash or 700 SmartPoints on top of your baseline gifts when you spend any amount with a participating merchant with recurring expenses for 3 consecutive calendar months!

  2. Spend any amount with a participating merchant and spends have to be on a recurring basis for 3 consecutive calendar months from your card approval date

  3. Only recurring payments to eligible merchants listed in the T&Cs will be deemed eligible for this promotion. Refer to the T&Cs for more information on the participating merchants.

  4. Get FREE 3 month of Circles.Life 150GB 4G plan (worth S$45) and 1TB of 5G Local Data with no expiry* (worth S$20)

  5. The Circles.Life Plan expires after the third month and the bill reverts to S$15. For any plan cancellation requests kindly contact Circles Life at +65 8808 6868 from Monday - Sunday, 9am - 6pm to submit your termination request.

  6. *Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.

  7. Use 5,040 SmartPoints to redeem any product on our Rewards Store such as:
    - Apple iPad (10th Gen) | Top up S$110
    - Apple iPad (9th Gen) | Redeem in full
    - S$430 GrabGifts Vouchers | Redeem in full
    - Apple AirPods Pro (2nd Gen) | Redeem in full
    - Secretlab TITAN Evo Lite | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  8. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  9. [Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 6,140 SmartPoints.

  10. [Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.

  11. [Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this Citi Credit Card, submit the claim form, and have it successfully approved.

  12. [Rollin’ Rewards] That's a total of up to 12,280 SmartPoints in total!

  13. [Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.

  14. Use Citi PayAll which allows you to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your rent, insurance premiums, education expenses, taxes, utilities and more.

  15. MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Spending at least S$500 monthly across groceries, online shopping, taxi rides (including private hire operators such as Grab and Gojek) and SimplyGo transactions.

Good for

Daily Singaporeans; young and budget-conscious individuals who love online shopping

Categories to maximise this card

Almost anything from groceries, online shopping, taxi rides (including private hire operators such as Grab and Gojek) and SimplyGo transactions

What people use it for

SimplyGo transactions, Groceries

Get if

You are looking for a low spend cashback card and you spend heavily on online shopping, groceries and take public transport frequently

All Details

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Find Out More About The Citi SMRT Credit Card In Our Blog Review!