Sign On
5% savings on daily spend with the Citi SMRT Card
Every ride, grocery run, online checkout and Malaysian Ringgit purchase now rewards you more.
Apply now and receive a S$300 cash back^ welcome gift.
^Applicable for new Citi Cardmembers
MORE WAYS TO SAVE
Where can the Citi SMRT Card help you to save?
Earn SMRT$ across transport, groceries, online and Malaysian Ringgit purchases, then
redeem them for cash rebates or shopping vouchers.
Groceries
5% savings* at supermarkets & grocery stores
Malaysia Ringgit Spend
5% savings* on Malaysian Ringgit spend+
Retail Spend
0.3% cashback on retail spend
Online
5% savings* on online purchases~
Commute
5% savings* on taxi, ride hailing & public transport rides#, island-wide
Redeem
your SMRT$ for cash rebate or shopping vouchers
Welcome Bonus
S$300
Cash Back^
Start earning from your very first spend
Earn SMRT$ Points on eligible spending
How to Qualify
Spend S$800 in your first 2 months
How Can The Citi SMRT Card Help Your Daily Spend Go Further?
Watch how the Citi SMRT Card helps turn everyday spend, rides, shopping, and daily payments into savings that move with you.
Lifestyle Rewards & Experiences
Enjoy Citi World Privileges across dining, shopping and travel with your Citi SMRT Card.
Citi Gourmet Pleasures
From casual bites to exclusive dining, unlock delectable deals that make every occasion a treat to savour.
Shop Smart with Citi
From home essentials, groceries to beauty and fashion finds, explore a wide range of online and in-store shopping deals.
Travel Smart with Citi
From flights and hotels to exclusive travel privileges, enjoy rewarding experiences for an unforgettable holiday.
Citi Credit Cardmember Exclusive
when you join Citigold®
Unlock elevated offers, premium benefits and personalised privileges - all designed to reward your continued relationship with Citi.
 | Attractive Welcome Rewards |
Receive exclusive welcome rewards when you join Citigold.
 | Limited-Time Offers |
Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.
Features at a Glance
Make the most of your Citi SMRT Card.
Exclusive Cards Privileges
Curated deals when you shop,
travel and dine.
Citi PayAll
Earn rewards when you use Citi PayAll to pay your taxes and other bills.
Citi ThankYouSM Rewards
Access to travel benefits, lifestyle rewards and cash back with Citi ThankYouSM Rewards.
Citi Quick Cash
Convert your Citi Credit Card / Citibank Ready Credit
available credit limit into cash,
payable in monthly instalments.
Refer a friend &
get S$150
Refer your friends to sign up for a Citi Credit Card.
Get S$150 for each successful referral` and your friend get to enjoy Citi Credit card welcome offers.
How does the Citi Mobile®App help you to manage your card?
Use the Citi Mobile® App to stay closer to your card activity, control key settings, and track your cash back from one convenient place.
Everything at a glance
View your card details, rewards and account information in one place.
Activate a new card
Activate your Citi SMRT Card quickly through the Citi Mobile® App.
Secure your transactions
Manage transaction controls and card security settings with ease.
Lock and unlock your card
Temporarily lock or unlock your card anytime through the app.
Powerful features on demand
Access payment, rewards and account management features whenever needed.
See your Citi SMRT$ Rewards points balance
Monitor your cash back rewards and eligible spending directly from the app.
Check Your Eligibility
Find out if you qualify for the Citi SMRT card
Ready to start earning SMRT$?
Enjoy a quick and easy application process with Singpass.
10-minute application
Secure Process
Instant verification
Fee
Basic fee of S$196.20 inclusive of 9% GST (first 2 years waived)
Income
Minimum income per year S$30,000 (SG/PR) or S$42,000 (foreigner)
Age
21 or older
Apply effortlessly with 
Simply log in with your Singpass and authorise the retrieval of your details from Myinfo.
Your application form is pre-filled and supporting documents waived if eligible
If you do not have Singpass, you will need the following documents:
Documents for Singaporean /PR
If you are a Salaried Employee
- A copy of your NRIC/passport.
- Latest computerized pay slip or Income Tax Notice of Assessment.
If you are a Self Employed
- A copy of your NRIC/passport.
- Last 2 years' Income Tax Notice of Assessment.
Documents for Foreigner
- A copy of your passport and work permit (with minimum 6 months validity).
- A copy of utility/residential telephone/home broadband internet bill (excluding mobile phone bill) or bank statement with your name and address.
- Income Tax Notice of Assessment and latest computerized pay slip.
FAQs About The Citi SMRT Card
Explore helpful answers on transport usage and managing your Citi SMRT Card with ease.
Please check the back of your Citi SMRT Card:
Earn up to 5% savings* on your public transport rides when you use SimplyGo (tap to pay) on your Citi SMRT Card.
- Enable SimplyGo (tap to pay) on your mobile phone for a seamless commute Add your Citi SMRT Card to your smartphone for contactless payment for your public transport rides. These will automatically be tagged as SimplyGo (tap to pay) transactions.
- Enable SimplyGo (tap to pay) on your physical Citi SMRT Card Bring your physical Citi SMRT Card and head down to any Assisted Service Kiosks or Top-up Kiosks located at the MRT and LRT stations. Learn more at www.simplygo.com.sg If you are unable to switch to SimplyGo (tap to pay) at Assisted Service Kiosks or Top-up Kiosks, please contact CitiPhone to request for a replacement Citi SMRT Card. Your replacement card will automatically be enabled for SimplyGo (tap to pay) transactions.
Please note that this is only applicable for Citi SMRT Cards (enabled for EZ-Link stored value facility) issued before 13 July 2022.
SimplyGo (tap to pay) is a mode of electronic payment where you tap your contactless Citi Card / mobile wallet / wearable device to pay for your public transport rides.
This means that there is no need to top up an EZ-Link stored value facility to pay for your public transport rides anymore. Learn more at www.simplygo.com.sg
Visit any SimplyGo Ticket Office and present your old Citi SMRT Card with the EZ-Link stored value facility to obtain a refund for the remaining value. Learn more at www.simplygo.com.sg
Visit any SimplyGo Ticket Office and present your Citi SMRT Card to terminate your EZ-Link Auto Top-Up and obtain a refund on the remaining value. Learn more at www.simplygo.com.sg
Terms and Conditions
^Click here to view the Citi SMRT Card S$300 Cash Back Terms & Conditions. Promotion is valid until 31 March 2027.
*If you spend less than S$500 per statement month, you will earn the base rate of 0.3% SMRT$ only. Please refer to the Citi SMRT$ Rewards Program Terms and Conditions for full details.
~Online transactions exclude mobile wallet and travel-related transactions. Please refer to the Citi SMRT$ Rewards Program Terms and Conditions for full details.
+Click here to view the Citi SMRT Card Malaysian Ringgit Spend Promotion Terms and Conditions. Promotion is valid until 28 February 2027.
#Public transport refers to SimplyGo (tap to pay) transactions only. SimplyGo (tap to pay) is a mode of electronic payment where you tap your contactless Citi SMRT Card / mobile wallet / wearable device to pay for your public bus/train rides. 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 Information Sheet.
Click here to view the ABS Credit Card Guide.
Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution.
Click here for the list of merchants and/or Merchant Category Codes (“MCC”) which will not earn SMRT$.
`Click here for Citibank Credit Card Online Member-Get-Member Promotion Terms and Conditions.
The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg
Important Investment Information
Investments are:
Not Bank Deposits • Not Bank Guaranteed • May Lose Value • Not FDIC Insured • Not SDIC Insured • Not Offered to US Persons • Are subject to investment risks, including the possible loss of the principal amount invested.
This communication does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation. Interested investors should seek the advice of their financial advisors, as appropriate.
 | 5% savings* across daily spend |
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