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.
You can get quite a lot of $rebate if you are shopping with giant or shengsiong. Once I was charged $200 for late payment because I changed bank and giro was suspended. Paid the outstanding payment and called Citibank but they refused to withdraw the late payment charges. Was quite disappointment by their customer service.
The SMRT$ 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.
LOUSY CARD. PL AVOID this CITI bank SMRT Card. They said this card is not entitled for fee waiver which I did not know (at least when I applied for the card). No point in requesting for fee waiver. So I have to pay late charge Fee which is S$100.How can they earn money in such an awful way? Even during covid-19. I just forgot to pay the bill once for 2 days. If you were in my shoes, ask yourself pl whether you want to earn those little rebate while be penalized at S$100 at one shock. Other banks are more flexible in the fee waiver.
great card! suit my lifestyle as i shop online frequently (3% rebate), and shop for groceries mainly at fairprice (5% rebate). fuss free when it comes to earning those rebate as there is not really a min spend - if you spend less than $300 for a month then the rebate percentage would be cut by 0.3%, not much diff imo.