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Citi SMRT Card

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  • Reviews (57)
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Credit Cards/Citi SMRT Card
Credit Cards/Citi SMRT Card
3.8
57 reviews
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USER RATINGS

Speed of Approval

4.4

Ease of Fee Waiver

3.7

Customer Support

3.9

Citi SMRT Card

Up to 5% at selected grocery stores

CASHBACK

$600

CASHBACK CAP

$500

MINIMUM SPEND

Citi SMRT Card

Up to 5% at selected grocery stores

CASHBACK

$600

CASHBACK CAP

$500

MINIMUM SPEND

Details

Product Page Transparency

  • Pays to access additional features

Citi SMRT Card Review 2021

Here are the highlights of Citi SMRT Credit Card:

  • Rebates in the form of SMRT$ which can be used to redeem cash rebates and vouchers
  • Up to 5% off Groceries (7.3% at FairPrice Xtra Kallang Wave)
  • Up to 5% off Fast food, Movies, and Coffee
  • Up to 5% off online shopping
  • Up to 5% off EZ-Link Auto Top-Up SimplyGo
  • Up to 2% off Health & Beauty
  • These rebates already include the base rebate rate of 0.3%
  • Doubles as an EZ-Link Card with an automatic top-up function
  • If your total monthly statement of retail purchases falls below S$500, the eligible rebate rates will be reduced to 0.3%

Find out about the card's complete host of benefits, charges, and promotions below.

Read More about Citi SMRT Card
Reviews (57)

3.8

57 Reviews

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    18
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    Most HelpfulMost RecentLow to HighHigh to Low
      Posted 23 Aug 2021

      Purchased

      Citi SMRT Card

      Super useful card for public transport, especially for folks who travel to and from office daily on commute. the cashback is great

      0

      What are your thoughts?

      Reply

      26 Jun 2021

      Purchased

      Citi SMRT Card

      I didn't realize that SMRT$ expires in a year until recently... no wonder I was thinking why I didn't get much back in rebates. The UI could have done a lot better to display the expiry date of the points in the App, this info is actually only shown in your PDF statements (which you need to download). I mainly used it for public transportation and the infrequent groceries. There are too many criteria to meet in my opinion e.g. for ezload the extra % only applies if you load >$30. $30 is the default amount, so you have to painstakingly change it to $40 on the ezlink app etc. After the T&C changed in May, there's a min spend of $500. I definitely don't spend that much anyway since COVID, so I'll be canceling the card.

      0

      What are your thoughts?

      Reply

      13 May 2021

      Purchased

      Citi SMRT Card

      I have this card for many years. in May 2021, there will be a change of T&C which you have to spend more. Thus my usage should be reduced. Citibank has improved with live chat but some customer service agents are still weak in their information if you ask on promotion details.

      0

      What are your thoughts?

      Reply

      01 May 2021

      Purchased

      Citi SMRT Card

      You can get quite a lot of $rebate if you are shopping with giant or shengsiong. Once I was charged $200 for late payment because I changed bank and giro was suspended. Paid the outstanding payment and called Citibank but they refused to withdraw the late payment charges. Was quite disappointment by their customer service.

      0

      What are your thoughts?

      Reply

      19 Apr 2021

      Purchased

      Citi SMRT Card

      The SMRT$ expires every year. It is hard to accumulate to offset my current spendings. Need to be very careful to avoid late payment as they are very uncompassionate to consumers who missed payment, even if its their first time.

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      Key Benefits of Citi SMRT Card

      These are some highlights of the Citi SMRT EZ-LINK Card and the cashback benefits on offer.

      Citi SMRT Card Benefits

      What You'll Get (in cash rebates, or SMRT$) assuming

      Groceries

      • For monthly statement spend >$500: 5%
      • For monthly statement spend <$500: 0.3%
      • Valid at NTUC FairPrice, Giant and Sheng Siong

      Coffee, Movies and Fast Food

      • For monthly statement spend >$500: 5%
      • For monthly statement spend <$500: 0.3%
      • Valid at McDonald's, KFC, Subway, Burger King, Pizza Hut, Starbucks, Coffee Bean, Gloria Jean's, Coffee Club, Sakae Sushi, Pasta Mania, BreadTalk and Toast Box, Cathay, Shaw Theatres, Golden Village (GV) and Filmgarde

      Online shopping

      • For monthly statement spend >$500: 5%
      • For monthly statement spend <$500: 0.3%
      • Excludes OTAs, air tickets, accommodation booking

      Public Transport

      • For monthly statement spend >$500: 5%
      • For monthly statement spend <$500: 0.3% (via EZ-Link SimplyGo)

      Lifestyle

      • For monthly statement spend >$500: 5%
      • For monthly statement spend <$500: 0.3%
      • Valid at Pet Lovers Centre, POPULAR Bookstores, Toys R Us
      • For monthly statement spend >$500: -
      • For monthly statement spend <$500: 0.3%

      Citi SMRT Card: Benefits

      Individual SMRT$ Rebate Rate Breakdown

      How does Citi SMRT Card Work?

      As demonstrated above, to earn the maximum rebate rates, the total monthly spending should be at least S$500.

      Eligibility for Citi SMRT Card

      To be eligible for the Citi SMRT card, you'll have to meet the following criteria:

      • Be at least 21 years old
      • For Singaporeans and PRs: Minimum annual income of $30,000
      • For foreigners: Minimum annual income of $42,000

      Fees and Charges for Citi SMRT Card

      • Annual Principle Fee: $192.60
      • Annual Supplementary Card fee: $96.30
      • Fee Waiver: First 2 years annual fee for Basic and two Supplementary Cards; thereafter chargeable
      • Interest-Free Period: 25 days
      • Annual Interest Rate: At the prevailing effective interest rate of 25.90% p.a. subject to compounding; or 29.99% p.a. subject to compounding in the event that your account has three or more defaults~ and/or one default~ which remains unpaid for two or more consecutive months in the last 12 months.
      • Minimum monthly payment: 1% or $25, whichever is greater
      • Late payment charge: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of $40 will be levied.
      • Cash advance fee: $15 or 6% of amount withdrawn, whichever is greater
      • Handling fee for dishonoured cheque/payment order: $25.00, if any check or other payment order tendered as payment to Citibank is dishonoured
      • Overlimit fee: $40 will be charged on the card with highest balance on the statement billing date, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period.

      The Best Cash Back Credit Cards Review 2020: How does Citi SMRT Compare?

      The Citi SMRT Card offers rebates in the form of SMRT$, which can be exchanged for shopping vouchers for use at Giant, Sheng Siong, Watsons, Shaw Theatres, Popular and Pizza Hut. You can also enjoy discounts on shopping and dining transactions, among other things.

      Citi SMRT is a great card for people who always commute via Public Transport and frequent the merchants around SMRT Exchange or Public Transport Interchanges. While its rebate per month is capped at S$50/month ($600/ a year), the low minimum spend continues to make this card attractive. To fully maximise the Citi SMRT Card, there is a minimum required spend of S$300, which is a very reasonable amount. The 5% coverage on groceries and certain food outlets might not be the best, but they are still pretty decent. Overall, this card is best for commuters with a thrifty lifestyle.

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on the Seedly Community.

      EZ-Reload vs SimplyGo: What's the Difference?

      As an aside - and if you're wondering about the differences between the EZ-Reload and SimplyGo functions - this table might serve you well.

      EZ-Reload

      SimplyGo

      Automatic EZ-Link top-up upon insufficient value (default top-up: $30)

      Allows for use of contactless debit or credit card. (No need for top-up)

      No fee charges

      No fee charges

      Auto top-ups will be charged to monthly credit card statement

      Automatically charged to monthly credit card statement

      Up to 2% SMRT$ on your EZ-Reload transactions.

      NIL

      EZ-Reload on Citi SMRT EZ-Link Card VS SimplyGo

      Terms and Conditions of Citi SMRT Card

      • Approximately 7 working days should be allowed for the processing of a cash rebate redemption request. The cash rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due, total amount due or any amount in between that is due on the Basic Cardmember’s Card account statement. The Basic Cardmember is required to settle at least the minimum amount due to avoid late charges from being billed to his Card account.
      • If the EZ - Reload By Card Facility on your Card has been activated, all refunds of the stored value remaining on the ez-link Facility (whether valid or expired) will be effected into your Card account.
      • Without prejudice to any of our rights and remedies, we are entitled to, at any time in our reasonable discretion and without giving any reason or notice, refuse to approve any proposed Card transaction notwithstanding that the total outstanding balance, if the proposed Card transaction was debited to the card account, would not have exceeded the combined credit limit.
      • You are liable for all unauthorized Card transactions, whether they are effected as a result of the unauthorized use of the Card, the PIN and/or the TBS Access Code or otherwise

      How to Apply for Citi SMRT Card

      • Apply Online or
      • Visit Citibank Branches

      About Citibank

      Citi Singapore established its presence in 1902, and is the city's largest foreign banking employer. In 2005, Citi incorporated its Global Consumer Banking (GCB) arm in Singapore - in what's today known as Citibank Singapore Limited. The subsidiary is wholly owned by Citigroup.

      Citibank Singapore offers wealth management products and services, including investments, insurance, deposits and treasury products; credit cards and personal lines of credit, and housing loans and share financing.

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