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#,

0.3% savings

on other retail spend


your SMRT$ for cash rebate
or shopping vouchers

See how your savings add up

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)
EZ-Link Auto top-up
Taxis (including private-hire rides)#
Other qualifying retail spend Nil 0.3%

Calculate your savings



Online purchases


EZ-Link Auto Top-up
or SimplyGo


Taxis &
private-hire rides


Other retail spend


Total Monthly Statement
Retail Spend


Total SMRT$


Sign up for EZ-Link Auto Top-up in 8 simple steps:

Top 4 credit card features

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 FlexiBill
Convert your credit card statement retail balance into installments

Citi Quick Cash
Instand cash to get things done right away

Freedom to do more with the Citi Mobile® App


Love, Bonito
10% off* with min. spend online and in-stores
Valid till: 28 Feb 2022
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Receive S$8 Qmoney Cashback* with min. S$60 spend
Valid till 31 Mar 2022
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15% off + 5% ZALORA cashback with min. spend
Valid till 31 Jan 2022
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Start your SMRT$ 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$120 savings^ 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

  • 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 EZ-Link Auto Top-up and 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.

+Your EZ-Link 16 digit CAN ID can be found at the back of your Citi SMRT Card. GTM refers to General Ticketing Machine.

Click here to view the Citi SMRT$ Rewards Program Terms and Conditions (effective 25 May 2021).

Click here to view the Cardmember’s Agreement.

Click here for Frequently Asked Questions about Citi SMRT Card.

Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution.