Citi SMRT Card
This product is managed by Citibank.
Speed of Approval
Ease of Fee Waiver
[EXCLUSIVE REWARDS] Get an Oppo Reno 5Z or S$350 Cash. For new Citi SMRT cardmembers only. Valid from 27 May to 19 Aug 2021. Terms and Conditions apply. Find out more below.
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Here are the highlights of Citi SMRT Credit Card:
Find out about the card's complete host of benefits, charges, and promotions below.
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Get an Oppo Reno 5Z (worth S$529) or S$350 Cash
These are some highlights of the Citi SMRT EZ-LINK Card and the cashback benefits on offer.
Citi SMRT Card Benefits
What You'll Get (in cash rebates, or SMRT$) assuming
Coffee, Movies and Fast Food
Health & Beauty
All Other Eligible Spend
Citi SMRT Card: Benefits
As demonstrated above, to earn the maximum rebate rates, the total monthly spending should be at least S$300. There are further conditions in the minimum spend per transaction to earn the most rebates:
Another caveat, is that online transactions within the stipulated category (e.g. Movies and Groceries) will still be considered online shopping and only be subjected to a maximum of 3% SMRT$ rebate, not 5%.
To be eligible for the Citi SMRT card, you'll have to meet the following criteria:
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.
As an aside - and if you're wondering about the differences between the EZ-Reload and SimplyGo functions - this table might serve you well.
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.
EZ-Reload on Citi SMRT EZ-Link Card VS SimplyGo
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.