Citi SMRT Card Reviews and Comparison - Seedly
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Citi SMRT Card

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  • Reviews (48)
  • Questions (0)
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5% at selected grocery stores

    Citi SMRT EZ-LINK Card

    5% at selected grocery stores


Citi SMRT Card Review 2020

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 3% off online shopping
  • Up to 2% off EZ-Reload and Auto Top-Up
  • 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$300, the eligible rebate rates will be reduced by 0.3%
  • For Groceries, the 5% rebate will be awarded for transactions of at least S$50. Transactions below S$50 will enjoy a lower 3% rebate rate.

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

Read More about Citi SMRT Card
Reviews (48)


48 Reviews

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  • Updated 16h ago


    Citi SMRT EZ-LINK Card

    [Customer Service] Their reply on the secure messages on any enquiry is very fast! This card is good. High cashback if your spendings fall into the categories - Fast food, NTUC Finest... Besides that, Phone bill (M1, Starhub, Singtel) 0.7% - 1% cashback also available when you sign up for OneBill - recurring payment incorporate into the credit card bills. Redemption of the cashback is FAST AND EASY. SMS to 72484 on the amount you want to redeem (min. $5), they will reply you within minutes on the successful redemption. Take note: the amount is to trade off the spending on your next credit card bill instead of paying off your current credit card bill.
  • Updated 2w ago


    Citi SMRT EZ-LINK Card

    The is the best and most convenient and flexible credit card in Singapore. Can be used for almost anything and get fair rebates. Even if you don't hit spending target, the rebates already more than other cards with lower spending. This is very good for the wallet. Can even get credit rebates. Although their customer service a bit hard to reach, they will try their best to help you. Whenever you top up for ez-link card, there will be SMRT points rewarded which is awesome.
  • Updated 2w ago


    Citi SMRT EZ-LINK Card

    This is the best transitlink card that gives you rebates when you travel too! It’s a necessary card and I highly recommend it
  • Updated 2w ago


    Citi SMRT EZ-LINK Card

    Frankly speaking this card not very useful besides the auto top-up function for ezlink. Their customer service is horrible which took months to just cancel my cancel my card. They will find excuses and say to call you back for the cancellation which they didn’t do so. In fact, they can cancel it on the spot.
  • Updated 2w ago


    Citi SMRT EZ-LINK Card

    Good card with decent cash rebate for selected categories, considering there is no minimum spend requirement
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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


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

Coffee, Movies and Fast Food

  • For monthly statement spend >$300: 5%
  • For monthly statement 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, Cathay, Shaw Theatres, Golden Village (GV) and Filmgarde

Online shopping

  • For monthly statement spend >$300: 3%
  • For monthly statement spend <$300: 2.7%
  • Excludes OTAs, air tickets, accommodation booking

Public Transport

  • For monthly statement spend >$300: 2%
  • For monthly statement 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.

Health & Beauty

  • For monthly statement spend >$300: 2%
  • For monthly statement spend <$300: 1.7%
  • Valid at Watsons, Guardian, Nature's Farm, GNC and Unity


  • For monthly statement spend >$300: 5%
  • For monthly statement spend <$300: 4.7%
  • Valid at Pet Lovers Centre, POPULAR Bookstores, Toys R Us

All Other Eligible Spend

  • For monthly statement spend >$300: -
  • For monthly statement spend <$300: 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$300. There are further conditions in the minimum spend per transaction to earn the most rebates:

  1. Groceries : 4.7% SMRT$ is awarded for transactions of $50 and above. 2.7% SMRT$ is awarded for transactions less than $50.
  2. EZ-Reload: 1.7% SMRT$ is awarded for EZ-Reload transactions of more than $30. 0.7% SMRT$ is awarded for EZ-Reload transactions of $30 or less.

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%.

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.



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

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

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.