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Citibank SMRT Card Review

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Earn up to 5% cash back on your daily spends, whether it's online shopping, groceries, SMRT rides or movies 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.

S$0 annual fee for 2 years - S$192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameCitibank SMRT Card
RewardUp to 5% savings on groceries, fast food, movies, and coffee. Plus, 3% savings on online shopping
Effective Interest Rate26.9%
Interest Free PeriodUp to 25 days
Maximum Credit LimitUp to 4X of monthly income
Minimum Monthly RepaymentThe higher of S$50 or 1%.
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Expert review

Zyane Tan

Review by

Zyane 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

The Citibank SMRT card allows you to maximise savings on your daily spends, offering savings on groceries, fast food and coffee, movies, online shopping and more. Savings are dished out in the form of SMRT$, which may be redeemed at any participating merchants, for vouchers, rides and even cash rebates.

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 is 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. Ends 31 January 2021.
  • Daily savings. Get up to 5% savings on groceries (7.3% for FairPrice Xtra Kallang Wave), dining and movies, up to 3% discount on online shopping and up to 2% off on EZ-Reload top-ups.
  • Refer-a-friend bonus. Receive S$50 per successful referral and up to S$1,200 bonus for further successful referrals. T&Cs apply. Ends 30 Nov 2020.

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 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.
  • SimplyGo card. This credit card now doubles as a SimplyGo card for your daily commute. Alternatively, you could get up to 2% 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

Required documents

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