Citibank SMRT EZ-LINK Card Reviews and Comparison - Seedly
Reviews (23)
3.5
Reviews (23)
3.5
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  • Updated on 19 May 2018
    As it's name suggest, good for public transport at 2% on ez-link auto top-up! other than that, the cash back on other category is not as good as other card such as BOC family card.
    0 comments
    2
  • It is one of the great card to own it as the rebate system makes me spend even more on taking public transportation. As i spend more on public transportation, the rebates allows me to earned more at the same time.
    0 comments
    1
  • Updated on 19 May 2018
    Can't recommend this. 5% savings on fast food/movies and groceries and no convenience charge on auto reload of Ezlink but that's about it. UOB one card or YOLO card is a good alternative.
    0 comments
    1
  • Updated on 10 Jan 2019
    Signed up this card to get the $200 lazada voucher promo. Using this card for the following purposes: - my primary EZ-Link card as it gives cashback - when buying MacDonald - when I have maxed out my DBS live fresh credit card cap for online spending
    0 comments
    0
  • Updated on 25 Sep 2018
    Used to be can exchange the SMRT$ (rebate) for vouchers to top up the EZ-Link card, but they stopped that. Now only can use to exchange other kind of vouchers like Giant, Popular. But lately I noticed that they allow exchanging of the rebate for cash rebate. Which to me is the best, compared to exchanging for vouchers at shops that I don’t want to shop at. The cash rebate has to be done thru SMS. See their product page for the exact details!
    0 comments
    0
  • Good card to use as ezlink reload. No extra charge for reloading. A good card for groceries shopping as well. I always carry this card with me whereever I go.
    0 comments
    0
  • Great everyday card to use with low minimum spend. Great for those starting out. Auto ez load function could use some tweaking to make changing the auto load amount easiler
    0 comments
    0
  • Updated on 16 Jun 2018
    2% cashback on ez-link expenses. But its cashback is in SMRT$ and can be redeemed in unit of $5 or $10 only.
    0 comments
    0
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HSBC Advance Card

Citibank SMRT EZ-LINK Card

Credit Card

Gabriel Tham
Gabriel Tham
Top Contributor

Top Contributor (Jun)

Level 8. Wizard
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.

DBS Live Fresh Card

Citibank SMRT EZ-LINK Card

Bank Account

Credit Card

Lok Yang Teng
Lok Yang Teng
Level 6. Master
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.
About Citibank SMRT EZ-LINK Card
Card NameCitibank SMRT EZ-LINK Card
Cashback Rate2-5%
Monthly Cashback CapMax 600 SMRT$ per year
Monthly Min Spend$300
Highlights2% on ez-link auto top-up, 5% on groceries, fast food, movies and coffee

Fees and Charges for Citibank SMRT EZ-LINK Card

  • Annual Principle Fee: S$192.60
  • Annual Supplementary Card fee: S$96.30
  • Fee waiver: First 2 years annual fee for Basic and two Supplementary Cards
  • 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: The minimum payment amount is specified in your statement of account and is computed by taking 1% of the current balance plus 1% of any outstanding unbilled instalment amounts plus interest charges (including interest/ service charges for any recurring/instalment payments) plus late payment charge or S$25 whichever is greater, plus any overdue amounts. If the current balance is less than S$25, the minimum payment amount shall be equivalent to the current balance.
  • Late payment charge: If the Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$40 will be levied.
  • Cash advance fee: S$15 or 6% of amount withdrawn, whichever is greater.

Eligibility for Citibank SMRT EZ-LINK Card

  • 21 years old and above
  • Income of S$30,000 and above per annum for Singaporeans and PR
    Income of S$42,000 and above per annum for foreigner

Key features of Citibank SMRT EZ-LINK Card

For monthly statement spend less than $300

  • 4.7% on groceries, coffee, movies and fast food
  • 2.7% on online shopping
  • 1.7% on health, beauty and EZ-Reload Auto Top-up

For monthly statement spend at $300 or more

  • 5% on groceries, coffee, movies and fast food
  • 3% on online shopping
  • 2% on health, beauty and EZ-Reload Auto Top-up
  • 0.3% on all other spend