Citi SMRT Card Reviews and Comparison - Seedly
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Citi SMRT Card

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Credit Cards/Citi SMRT Card

Citi SMRT Card

3.8
36 reviews

Citibank SMRT EZ-LINK Card

5% at selected grocery stores
CASHBACK
$600
CASHBACK CAP
$300
MINIMUM SPEND

    Citibank SMRT EZ-LINK Card

    5% at selected grocery stores
    CASHBACK
    $600
    CASHBACK CAP
    $300
    MINIMUM SPEND

Details

Highlights of the Citibank SMRT Card

  • 5% off groceries (7.3% at FairPrice Xtra Kallang Wave)
  • 5% off fast food, movies and coffee
  • 3% off online shopping
  • Redeem SMRT$ for cash rebates and vouchers
  • No convenience fee for EZ-Reload Auto Top-up transactions

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

Read More about Citi SMRT Card
Reviews (36)

3.8

36 Reviews

  • 5
    10
  • 4
    17
  • 3
    2
  • 2
    5
  • 1
    2

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public transport

link card

auto reload

credit card

minimum spend

fast food

card cashback

card not

spend 300

ezlink card

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  • Updated on 03 Feb 2020

    Purchased

    Citibank SMRT EZ-LINK Card

    [Cashback Card] [Useful For general spending and you are a low maintance person] the minimum of $300 to hit is very easily achieved. Public transport $80 to $100, bills about $60 (phone and internet), then the rest in situational expenses like household and food. One of the go to card for discounts.
    0 comments
    0
  • Posted on 30 Dec 2019

    Purchased

    Citibank SMRT EZ-LINK Card

    It's very useful for ezlink card top up when it's linked to the ez-reload. This is a very good credit card everyday use (ie 7eleven, McDonald's, Sheng Shiong, etc.) that can be used to collect rebates. The app is also easy to use and navigate for points tracking and redemption.
    0 comments
    0
  • Posted on 28 Nov 2019

    Purchased

    Citibank SMRT EZ-LINK Card

    Been using it for a few years now. I like the auto top up feature especially for people who always forget to top up, its also hassle-free. Like that there is rebate!
    0 comments
    0
  • Posted on 21 Nov 2019

    Purchased

    Citibank SMRT EZ-LINK Card

    High rebates for purchases made in NTUC and can also be use together with NTUC link card. High rebates for taking public transport as well.
    0 comments
    0
  • Posted on 20 Nov 2019

    Purchased

    Citibank SMRT EZ-LINK Card

    Overall citi bank card is great for everyday commute. It can act as EZ link and credit card as well. Very convenient. Great customer service and the balance transfer promotion is AWESOME!
    0 comments
    0
Questions (5)

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Standard Chartered

Citibank

Standard Chartered Spree Credit Card

Citi SMRT Card

SG Budget Babe

Cashback

Credit Cards

Leslie Koh
Leslie Koh
Level 6. Master
Updated on 20 Oct 2019
You should consider getting the UOB one card, consolidate your recurring payments and cap it to $500 to earn the first tier of cashback, while the remaining payments, you divide to whichever card gives you the best cashback or rebate depending on your type of purchase šŸ˜Š
šŸ‘ 3

Citi SMRT Card

Grab

Citibank

Shopping

Credit Cards

You will need to check the MCC against the credit card that you are using. In most cases, it is not considered as online shopping. Here is everything about me and what I do best.
šŸ‘ 0

Cashback

SG Budget Babe

Citi SMRT Card

Credit Cards

You may do this via internet banking: https://www.citibank.com.sg/SGGCB/JSO/signon/DisplayUsernameSignon.do Alternatively, you can do this via SMS: To redeem $5 cash rebate, you will need to have 5 SMRT$. SMS Keyword: SMRT5 To redeem $10 cash rebate, you will need to have 10 SMRT$. SMS Keyword: SMRT10 SMS to 72484: RWDS space Last 4 Digits Of Your Cardnumber space SMRT10 Here is everything about me and what I do best.
šŸ‘ 2

HSBC Advance Credit Card

Citi SMRT Card

Credit Cards

Gabriel Tham
Gabriel Tham
Top Contributor

Top Contributor (Feb)

Level 9. God of Wisdom
Updated on 07 Jun 2019
HSBC advance card is not an unlimited cashback card. They have a cap on the cashback per month, even for advance banking clients. Plus, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not spend at least $12k a year. Citi SMRT card is also good but its not actual cashback as in real cash credited to your account. The rebate comes in the form of SMRT$ which is a rewards program. Some people prefer to get actual cashback credit rather than collecting rewards points.
šŸ‘ 1

DBS Live Fresh Card

Citi SMRT Card

Savings Accounts

Credit Cards

Lok Yang Teng
Lok Yang Teng
Level 8. Wizard
Updated on 04 Nov 2018
Citibank SMRT Card - Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300) - Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300) - Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300) - Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead) - Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers - 2 years fee waiver for Principal and two (2) Supplementary cards DBS Live Fresh Card - 5% cashback on online shopping and when you pay using Visa payWave, Apple Pay, Samsung Pay or Google Pay through your Card - Get 0.3% cashback on everything else with no cap on rebates - Auto EZ-Reload - 1-year annual fee waiver Not sure which DBS Visa you were referring to.
šŸ‘ 0

Citibank SMRT Card

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 Sakae Sushi. You'll also enjoy discounts on shopping and dining transactions, among other things.

Eligibility for Citibank 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:Ā Minimum annual income of $30,000
  • For foreigners:Ā Minimum annual income of $42,000

Fees and Charges for Citibank 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 customerā€™s combined credit limit on any day within the statement period.

Key Features and Benefits of Citibank SMRT Card

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

Citibank SMRT Card Benefits

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

Groceries

  • For spend >$300: 5%
  • For spend <$300: 4.7%
  • Valid at NTUC FairPrice, Giant and Sheng Siong

Dining

  • For spend >$300: 5%
  • For spend <$300: 4.7%
  • 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

Online shopping

  • For spend >$300: 5%
  • For spend <$300: 4.7%
  • Excludes OTAs/air tickets

Public Transport

  • For spend >$300: 2%
  • For spend <$300: 1.7% (via EZ-Reload)
  • 2% SMRT$ is awarded for EZ-Reload transactions of more than $30. 1% SMRT$ is awarded for
    EZ-Reload transactions of $30 or less. For monthly statement retail purchases of less than $300, your
    SMRT$ earn rate will be 0.3% less.

Entertainment

  • For spend >$300: 5%
  • For spend <$300: 4.7%
  • Valid at Cathay, Shaw Theatres, Golden Village (GV) and Filmgarde

Others (Health and Lifestyle)

  • For spend >$300: 5%
  • For spend <$300: 4.7%
  • Valid at Popular, Toys 'R' Us and Pet Lovers Centre
    -
  • For spend >$300: 2%
  • For spend <$300: 1.7%
  • Valid at Watsons, Guardian, Nature's Farm, GNC and Unity

Citibank SMRT Card: Benefits

Citibank SMRT Card Promotions

  • Shopee: $7 off (new users, with min. $15 spend). Valid till 31 Dec 2019, for first 500 customers per calendar month.

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 Citibank SMRT EZ-Link Card VS SimplyGo

Citibank Contact Info

  • CitiPhone 24-hour banking hotline: +65 6224 5757

Terms and Conditions of Citibank 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 Cardmemberā€™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

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 asĀ Citibank Singapore Limited. The subsidiary is wholly owned by Citigroup.

Citibank SingaporeĀ 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.

Still unsure?Ā Find out everything you need about credit cardsĀ - including whatĀ the best credit cards in SingaporeĀ 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 theĀ Seedly Q&A platform.