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Citi SMRT Card
Citi SMRT Card
- 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
Get S$370 Cash or 6,140 SmartPoints in as fast as 5 weeks when you spend S$500 within 30 days.
PLUS 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.
Are you eligible?
MoneySmart Exclusive Promotion is valid from 01-April 2025 to 14-April-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 14th May 2025
What you need to know
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!
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.
*Faster Rewards Redemption: Receive your Reward as fast as 5 weeks from meeting the "Eligible Spends" criteria. T&Cs Apply.
Use 6,140 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
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.
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.
MoneySmart exclusive rewards do not stack with external or third party promotions, unless otherwise stated. See T&Cs for details.
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.
Citi SMRT Credit Card Benefits 2025
Customer Reviews on MoneySmart Credit Card Applications
Review by TJ. Hoo
"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "
As seen on Google
Review by D. Ng
"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."
As seen on Google
Review by A. Koh
"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as am currently reviewing my own financial expenses. Good job, Guys!"
As seen on Google
Pros & Cons of Citi SMRT Card
Pros ✅
Cons ❌
Is the Citi SMRT Card perfect for everyday wins or just overhyped?
Learn more in our full review of the Citi SMRT Card.
Comparison: Citi SMRT Card vs POSB Everyday Card vs OCBC 365 Card
As the adage goes, “a little goes a long way”. The Citi SMRT Card earns a consistent 5% fuel savings on eligible everyday expenses like groceries, public transport, ride-hailing services and taxis, and select online transactions (excluding mobile wallet and travel-related). These everyday savings are what help contribute significant savings over time.
But how does this credit card fare against its other cashback credit card peers like the POSB Everyday Card and OCBC 365 Card? Let’s compare their annual fees, minimum annual incomes, cashback benefits, and more.
| Credit Card | Citi SMRT Card | POSB Everyday Card | OCBC 365 Card |
|---|---|---|---|
| Interest Rate | 27.9% p.a. | 27.8% p.a. | 27.78% p.a. |
| Annual Fee | $196.20 (First 2 years waived) | $196.20 (First year waived) | $196.20 (First 2 years waived) |
| Minimum Annual Income |
$30,000 (Singaporeans/PRs) $42,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
$30,000 (Singaporeans/PRs) $45,000 (Foreigners) |
| Cashback Benefits |
• 5% SMRT$ on groceries, online, transport & ride-hailing • 0.3% SMRT$ on all other spend • 1 SMRT$ = $1 • Min. $500 spend/month |
Min. $800 spend • 10% on food delivery • 5% on dining • 10% on offline Malaysian Ringgit spend • 10% on public transport (SimplyGo) • 5% on online shopping (TikTok Shop, Taobao, Shopee, etc.) • 8% at POPULAR Note: Varying Daily$ caps apply |
No min. spend • 5% on groceries (capped at $30/month) • 6% at SPC, 2% at SpeedyCare • 3% at Pet Lovers’ Centre (min. $15) • 0.3% on all other spend • 6% cashback on petrol • Up to 29.5% fuel savings (Caltex, Esso, Sinopec) • 5% on dining and food delivery • 3% on groceries, transport, Watsons, streaming, EV charging, utilities Min. $800 spend = $80 cashback cap Min. $1,600 spend = $160 cashback cap Otherwise: 0.25% cashback |
Although the Citi SMRT Card offers simpler cashback offerings compared to other high-tier cards, this can actually be one of its biggest strengths—in the sense that the cashback is relatively fuss-free and straightforward to earn. This strips away complicated tiers, complex categories, or tricky exclusions (beyond the usual fine print). This makes it ideal for cashback newbies or anyone who wants a reliable card that rewards everyday spending without the mental gymnastics.
Citi SMRT Card Requirements
| Singapore Citizens / PRs | Foreigners | |
|---|---|---|
| Age | 21 and above | 21 and above |
| Minimum annual income | $30,000 | $42,000 |
| Documents required | Salaried employee Self-employed |
Frequently Asked Questions About Citi SMRT Card
How do I redeem my SMRT$ for the Citi SMRT Card?
- To redeem your SMRT$ for cash rebate, you can do so via SMS by sending "RWDS [space] [last 4 digits of card number] [space] [corresponding redemption amount]" to 72484. It should look something like this: RWDS [space] Last 4 digits of Citi SMRT Card number [space] SMRT10
Alternatively, you can also redeem SMRT$ via the Citi Mobile App for statement credits to your Citi SMRT Card. What are the fees payable when I apply for the Citi SMRT Card?
- The Citi SMRT Card charges an annual fee of $196.20 with the first 2 years waived for free. Other fees to take note of include cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, overlimit fees, and more.
Am I eligible for the Citi SMRT Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $42,000 (Foreigners), you’re eligible to apply for the Citi SMRT Card.
If I’m late for my monthly Citi SMRT Card bill payment, how much do I have to pay?
- A late payment charge of $100 applies.