Citibank SMRT Card

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Key Features

5%
Cash Back on Eligible Spend
^S$600
Cash Back Cap per year
^S$500
Min. Spend per month

Promotion

Grocery

5% with monthly min. statement spend of S$500
Note: online groceries transaction will only earn 1 x 5%

Online Shopping

5% with monthly min. statement spend of S$500
Exclusions: travel-related transactions

Other Features

Rebates are not subject to a monthly cap, but there is an annual cap of 600 SMRT$.
To earn the maximum rebates for groceries, online shopping, taxi rides (including private hire operators such as Grab and Gojek), and SimplyGo transactions, a minimum spend of S$500 per statement month is required.
You can earn up to 5% SMRT$ on groceries, which includes a base rate of 0.3% and a bonus rate of 4.7%.
You can earn up to 5% SMRT$ on online shopping, which includes a base rate of 0.3% and a bonus rate of 4.7%.
You can earn up to 5% SMRT$ on taxi and private hire car rides, which includes a base rate of 0.3% and a bonus rate of 4.7%.
You can earn up to 5% SMRT$ on SimplyGo transactions, which includes a base rate of 0.3% and a bonus rate of 4.7%.
For all other retail spends, you can earn 0.3% SMRT$.
Every S$1 spent earns you 1 SMRT$. You can redeem your Citi SMRT$ Rewards for cash rebates and vouchers via Citibank Online.
The principal cardholder and two supplementary cardholders are eligible for a two-year fee waiver.
LOANPANDA strives to provide accurate and up-to-date information, but the information may differ from what you see on financial institution, service provider, or specific product sites. LOANPANDA will not be liable for compensation if the information is not as updated as our partner’s.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$42,000

Fees and Charges

Annual Principal Fee: S$194.40
Supplementary Annual Fee: S$97.20
Fee Waiver: Available
Interest Free Period: 25 days
Annual Interest Rate: 26.90%
Late Payment Fees: S$100
Minimum Monthly Repayment: Current balance if current balance is between S$0 to S$50. For current balance S$50 & above, (i) 1% of the current balance; plus (ii) 1% of any outstanding unbilled instalment amounts; plus (iii) all interest charges (including interest charged under instalment plans); plus (iv) all upfront service fees for instalment plans; plus (v) late payment charges; or S$50 plus any overdue amounts.
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6% or $15, whichever is higher
Overlimit Fee: S$40

Review

By LOANPANDA

The Citibank SMRT Card is a great option for those who want to earn cash back on their everyday purchases. With a 5% cash back rate on eligible spend, including groceries, online shopping, taxi and private hire car rides, and SimplyGo transactions, this card is perfect for those who frequently make these types of purchases. However, it’s important to note that there is a minimum spend of S$500 per statement month required to earn the maximum rebates.

Additionally, the annual cap of 600 SMRT$ may limit the total amount of cash back that can be earned in a year. Overall, the Citibank SMRT Card is a solid choice for those looking to earn rewards on their everyday spending.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.