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Citibank SMRT Card Review
Earn up to 5% cash back on your daily spends, whether it's groceries, online shopping, taxis and EZ-Link Auto Top-up/SimplyGo with Citibank SMRT card.
If you love to shop and get rewarded with points as you spend, you can compare the rates, fees and features of the Citibank SMRT Credit Card in further detail below. Let’s take a closer look.
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S$0 annual fee for 2 years - S$192.60 thereafter
Annual Fee
26.9%
Effective Interest Rate
S$30,000
Min Income - Singaporean and PR
Details
| Product Name | Citibank SMRT Card |
|---|---|
| Reward | Up to 5% savings on groceries, online shopping, taxis (including private hire rides), and EZ-Link Auto Top-up/SimplyGo. Plus, 0.3% savings on all other spend |
| Effective Interest Rate | 26.9% |
| Interest Free Period | Up to 25 days |
| Maximum Credit Limit | Up to 4X of monthly income |
| Minimum Monthly Repayment | The higher of S$50 or 1%. |
| Go to site More Info |
Review by
Zyane Tan
zyane.tan@finder.comZyane Tan is an associate editor at Finder. An experienced copywriter and content creator, Zyane enjoys writing on a wide array of subjects. When she’s not busy typing away, she’s reading and musing over a pint.
Expert review
Benefits of using the Citibank SMRT Card
When you shop using the Citibank SMRT Card, you get to enjoy a number of unique benefits:
- Welcome gift. All new cardholders are qualified to receive S$120 cash back, as long as you meet the S$1,200 qualifying spend. This offer is only available within three months from card approval. Terms and conditions apply and offers are subject to change from time to time at the bank’s discretion. Valid until 30 Nov 2021.
- Daily savings. Get 5% savings on groceries, supermarkets, online purchases (excluding mobile wallet and travel-related transactions), taxi (including private-hire rides), public transport rides (island-wide) and EZ-Link Auto top-up SimplyGo. Minimum required spend of S$500 per statement month for full cashback redemption. Otherwise, your earn rate falls to 0.3% for all categories. No monthly rebates cap, although rebates are capped at S$600 per calendar year. T&Cs apply.
- Refer-a-friend bonus. Receive S$100 per successful referral and up to S$500 bonus for further successful referrals. T&Cs apply. Ends 31 July 2021.
Features of the Citibank SMRT Card
Here are the features you should consider when looking at the Citibank SMRT Card.
- Annual fee. After the first 2 years waiver, the Citibank SMRT Card will incur an annual fee of S$192.60 for the primary card and S$96.30 for every supplementary card.
- Easy redemptions. Redeem SMRT$ for cash rebates or vouchers via SMS or Citibank online where you earn 1 SMRT$ for every S$1 spend on eligible purchases.
- Shopping and travel deals. Besides earning SMRT$, you can also access exclusive Citi offers such as shopping or hotel discounts from participating merchants.
- EZ-Link card. This credit card now doubles as an EZ-Link card for your daily commute with no convenience fee for auto top-ups. Plus, get up to 5% savings via EZ-Reload transactions.
- Visa payWave. Equipped with a contactless payment feature, you can make fast and hassle-free payments for purchases under S$100 by simply tapping it on any contactless transaction reader.
How to apply
Applying for the Citibank SMRT Card takes around 10 to 15 minutes online. Before you apply, make sure you meet the eligibility criteria and organise the necessary documents:
Eligibility criteria
- Earn at least S$30,000 p.a if you’re a Singaporean or permanent resident, or S$42,000 if you’re a foreigner
- Have a good credit rating
- Be at least 21 years or older
