Image showing Citi SMRT Card

5 ways to upsize your savings as you spend



5%* savings

at all supermarkets & grocery stores


5%* savings

on online purchases~


5%* savings

on taxi & public transport rides#,
island-wide




0.3% savings

on other retail spend


Redeem

your SMRT$ for cash rebate
or shopping vouchers


See how your savings add up with your Citi SMRT Card



Categories Base rate
on qualifying retail spend
Bonus rate
on monthly qualifying retail
spend ≥S$500
Total earn rate
Groceries 0.3% 4.7% 5%
Online (excludes mobile wallet and travel-related transactions)
SimplyGo transactions
Taxis (including private-hire rides)#
Other qualifying retail spend Nil 0.3%

Calculate your savings





Groceries
 

S$



Online purchases
 

S$



SimplyGo transactions

S$



Taxis &
private-hire rides

S$



Other retail spend
 

S$



Total Monthly Statement
Retail Spend

S$

Total SMRT$
earned

SMRT$


Top 4 credit card features



Citi World Privileges - Citi SMRT Card

Citi World Privileges
Get deals and discounts locally & in 95 other countries
Citi PayLite - Turn your big purchases into small payments with Citi SMRT Card

Citi PayLite
Turn your big purchases into small payments with Citi SMRT Card
Citi FlexiBill - Convert your credit card statement retail balance into installments

Citi FlexiBill
Convert your credit card statement retail balance into installments
 Citi Quick Cash - Instant cash to get things done right away

Citi Quick Cash
Instant cash to get things done right away

Freedom to do more with the Citi Mobile® App


SMRT Credit Card Promotions


Beauty In The Pot - Get a S$10 return voucher with any spend

Beauty In The Pot
Get a S$10 return voucher with any spend
Valid till 31 Dec 2022
Show Details
Fassler Gourmet - S$10 off with minimum spend of S$90

Fassler Gourmet
S$10 off with minimum spend of S$90
Promo code: FGxCITI
Valid till 31 Dec 2022
Show Details


ZALORA
15% off + 5% ZALORA cashback with
min. S$100 spend
Promo code: CITI2022
Valid till 31 Dec 2022
Show Details

Start your SMRT$ savings journey in less than 10 minutes

Get a new Citi SMRT Card from your phone or computer in an easy, paperless signup process




Basic fee of S$192.60
inclusive of GST
(first 2 years waived)


Min. income S$30,000
(local/PR) or S$42,000
(foreigner) a year


Age 21 or older

Receive S$300 cash back^ when you apply and spend




Salaried employee
  • A copy of your NRIC/passport
  • Latest original computerized payslip or Tax Notice of Assessment or last 12 months' CPF statements

Self-employed
  • A copy of your NRIC/passport
  • Last 2 years’ Income Tax Notice of Assessment
  • Last 3 months’ bank statements

  • A copy of your passport and work permit (with minimum 6 months validity)
  • A copy of utility/telephone bill or bank statement with your name and address
  • Income Tax Notice of Assessment and latest original computerized payslip


^Terms & Conditions apply. For new customers only.

 

Terms and Conditions

*If you spend less than S$500 per statement month, you will earn the base rate of 0.3% SMRT$ only.

~Online transactions exclude mobile wallet and travel-related transactions. Please refer to Citi SMRT$ Rewards Program Terms and Conditions for full details.

#Public transport refers to SimplyGo transactions only. Taxis include private-hire vehicle operators with MCC4121 such as Grab and Gojek. For Grab transactions - only Grab rides charged directly to the card are eligible for bonus SMRT$. Grab ride transactions paid via GrabPay Wallet linked to the Citi SMRT Card are not eligible for bonus SMRT$. For the avoidance of doubt, GrabPay and any other mobile top-ups are also excluded from earning the Bonus rate.

Click here to view the Citi SMRT$ Rewards Program Terms and Conditions.

Click here to view the Cardmember’s Agreement.

Click here to view the Cardmember’s Agreement. (Effective 9th Nov 2022)

Click here to view the Information Sheet.

Click here to view the Information Sheet. (Effective 9th Nov 2022)

Click here for Frequently Asked Questions about Citi SMRT Card.

Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution.