CNY WHO, WHERE, HUAT | UP TO S$458 CASH
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

[CNY WHO, WHERE, HUAT 🧧 | UP TO S$458 CASH🧧]
Get S$370 Cash or 6,140 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.
 
PLUS get EXTRA S$88 Cash when you spot the correct number of Pineapple Tarts in the Who, Where, Huat challengeT&Cs apply.

Valid until 21 Jan 2025 - See more details below

Are you eligible?

    • Promotion is valid from 16th January 2025 to 21st January 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 21st February 2025

What you need to know

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

  2. Get EXTRA S$88 CASH on top of your baseline gifts when you spot the correct number of Pineapple Tarts in the Who, Where, Huat challenge! T&Cs apply.

  3. 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)

  4. 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.

  5. Use 6,140 SmartPoints to redeem any product on our Rewards Store such as:
    - Apple iPhone 16 Pro Max (256GB) | Top up $1,270 more only
    - Apple iPad (10th Gen) | Redeem in full
    - Sony WH-100XM5 Noise Cancelling Headphones | Redeem in full
    - S$430 GrabGifts Vouchers | Redeem in full
    - OR many other options available at our Rewards Store today.
    - For more information regarding SmartPoints, refer to our FAQ here.

  6. 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. 

  7. 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.

  8. 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

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

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