CITIBANK SMRT CARD

Get up to S$10 BookFest Cash Voucher with min. spend at BookFest@Singapore 2018.​

Get up to S$10 BookFest Cash Voucher with
min. spend at BookFest@Singapore 2018.

Plus, up to 5% savings* on your BookFest purchases.

Citibank SMRT Card

Citibank SMRT Card

Your savings keep adding up with the Citibank SMRT Card. Enjoy up to 5% savings* on your daily spend all year round. Plus, redeem your SMRT$ for cash rebate or vouchers.

  • 5% savings* on groceries (7.3% for FairPrice Xtra Kallang Wave)
  • 5% savings* on fast food, movies and coffee
  • 3% savings* on online shopping
  • Redeem your SMRT$ for cash rebate or vouchers
  • No convenience fee for EZ-Reload Auto Top-up transactions

Citibank SMRT Card

Click here to apply for the Citibank SMRT Card and get

S$120^ Cash Back as you spend


Already a Citi Credit Card Cardmember? Refer a friend and be rewarded with S$50 Cash Back!

^T&Cs apply.

Daily Savings

GROCERIES

Get up to 5% savings1 at these supermarkets:

  • FairPrice
  • FairPrice Xtra Kallang Wave (Up to 7.3% savings*)
  • Giant
  • Sheng Siong


1For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 0.3% less. 5% SMRT$ is awarded for
transactions of $50 and above. 3% SMRT$ is awarded for transactions less than $50.
Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.

ONLINE

Get up to 3% savings2 on all your online shopping!


2Excludes all travel-related merchant worldwide whose main business activity are classified as: Airlines, Air Carriers (Merchant Category (MC) Code: 3000 to 3350 & 4511), Car Rental Agencies (MC Code: 3351 to 3500 & 7512), Lodging - Hotels, Motels, Resorts (MC Code: 3501 to 3999 & 7011), Travel Agencies and Tour Operators (MC Code: 4722), Passenger Railways, Taxicabs & Limousines, Bus Lines, Steamship & Cruise Lines, and Other Transportation Services (MC Code: 4112, 4121, 4131, 4411, 4789), Direct Marketing - Travel-Related Arrangement Services (MC Code: 5962).
The main business activity of a merchant is determined by the business classification of that merchant's outlet.
The main business activity of a merchant is not determined by Citibank Singapore Limited.
For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 2.7%.

DINING & COFFEE

Get up to 5% savings3 at these participating merchants:

  • BreadTalk
  • Burger King
  • KFC
  • McDonald's
  • Pizza Hut
  • PastaMania
  • Sakae Sushi
  • Subway

3For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 4.7%.
Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.

  • Coffee Club
  • Dome Café
  • Gloria Jean's
    Coffee
  • Starbucks Coffee
  • Coffee Bean &
    Tea Leaf
  • The Connoisseur
    Concerto (tcc)
  • Toast Box

MOVIES

Get up to 5% savings4 on your movie tickets at these cinemas:

  • Cathay Cineplexes
  • Filmgarde
  • Golden Village
  • Shaw Theatres

4For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 4.7%.
Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.

EZ-Reload

Get up to 2% savings5 on your EZ-Reload auto top-up transactions.
Plus, no convenience fee charges.

If you did not activate your EZ-Reload facility upon receiving your
card, you can do so at http://www.ezlink.com.sg/home-ezreload

52% SMRT$ is awarded for EZ-Reload transactions of more than $30. 1% SMRT$ is awarded for
EZ-Reload transactions of $30 or less. For monthly statement retail purchases of less than $300,
SMRT$ earn rate will be 0.3% less.

OTHERS

Get up to 5% savings6 on your other essentials at
these participating merchants:

  • Pet Lovers Centre
  • POPULAR Bookstores
  • Toys"R"Us

Get up to 2% savings6 at these
Health & Beauty merchants:

  • GNC
  • Guardian
  • Nature's Farm
  • NTUC Unity Healthcare
  • Watson's

Get up to 1% savings6 on selected bills with Citibank One Bill.

For more details, visit www.citibank.com.sg/onebill.

6For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 0.3% less
Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.



See how your savings add up

Monthly Statement Retail Purchases^^ Your Savings*
Less than $300 $300 or more
Groceries 4.7%# + 0.3% 5%
Coffee, Movies and Fast Food 4.7% 5%
Online Shopping 2.7% 3%
Health & Beauty 1.7% 2%
EZ-Reload Auto Top-up 1.7%+ 2%
All other spend - 0.3% 0.3%

^^ Please refer to Cardmember Agreement for detailed definition as well as exclusion(s) applicable.
Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.


Example

Your Spend Your Savings Your Earnings (SMRT$)
Groceries $300.00 4.7% + 0.3% $15.00
Fast food, movies & coffee $100.00 4.7% + 0.3% $5.00
Online $50.00 2.7% + 0.3% $1.50
EZ-Reload Auto Top-up $50.00 1.7% + 0.3% $1.00
$500 $22.50
•   Your spending habits may be different from this example.
•   Assuming total spend in statement month is at least $300.
•   Assuming minimum spend per transaction at participating Groceries merchant(s) and EZ-Reload Auto Top-up is at least $50.
•   Please note that any online transactions made on these merchants’ websites will be regarded as online shopping for which your savings will be up to 3% only.


Calculate your savings

Your Spend

Your Earnings
(SMRT$)

Total Monthly Statement Retail Purchases^^:
 
Total earnings (SMRT$)
Redeem savings

Redeem SMRT$ for shopping vouchers via Online.



1. Spend at participating merchants


2. Login to Citibank Online


3. Redeem SMRT$ for vouchers.

Redeem SMRT$ for cash rebate instantly via SMS.

Redemption Amount SMS Keywordt SMRT$ Required
$5 cash rebate SMRT5 5
$10 cash rebate SMRT10 10


SMS to 72484
RWDS <space> Last 4 Digits Of Your Cardnumber <space> SMRT10

Example. RWDS <space> 1234 <space> SMRT10

  • Only available for Main Citibank SMRT Cardmembers.
  • Main Citibank SMRT Cardmembers must have sufficient SMRT$ for redemption.
  • Approximately 7 working days should be allowed for processing.
  • Cash rebate will be reflected as a credit in the statement of account and is not to be taken as a payment in reduction of the minimum payment due, total amount due, or any amount in between that is due on the Main Citibank SMRT Cardmember’s Card account statement.
  • Giant Promotions
    GIANT
    • $10 voucher
  • Credit Card Promotions
    POPULAR BOOKSTORES
    • $20 voucher
  • Shaw Cinemas Promotions
    SHAW THEATRES
    • One Pair of Movie Tickets
    • 1 Family Popcorn Combo
  • Shengsiong Promotions
    SHENG SIONG
    • $10 voucher
  • Sakae Sushi
    Sakae Sushi
    • $20 voucher
  • Watsons Credit Card Promotions
    WATSON'S
    • $10 voucher
Other benefits

Multiple functionalities for your convenience in one card.

ez link

Use your credit card as an EZ-Link Card for your daily commute.

Enable the convenient EZ-Reload facility to enjoy Auto Top-up when your EZ-Link value is insufficient.Plus, there is no convenience fee charge for EZ-Reload Auto Top-up transactions.
Visa PayWave

Pay, wave and go for purchases under $100.


Visa payWave is a contactless payment feature that lets you simply wave your card on the reader at checkout rather than handing it to the cashier.
Promotions

BookFest@2018 organized by POPULAR

  • Up to 5% savings* at POPULAR!
  • Get S$5 BookFest Cash Voucher with min. S$120 nett spend in a single receipt at BookFest@Singapore 2018
  • Get S$10 BookFest Cash Voucher with min. S$280 nett spend in a single receipt at BookFest@Singapore 2018
  • Payment must be made with Citibank SMRT Card
  • Details of BookFest@Singapore 2018:
    • Venue: Suntec Convention, Hall 401-406
    • Date: 14 to 23 December 2018
    • Time: 10am – 10pm

Lazada

Up to 3% savings* on your online spend!

  • New Lazada customers:
    20% off purchases, discount capped at $10
    Promo code: LAZCITINEW
  • Existing Lazada customers:
    12% off purchases, discount capped at $12
    Promo code: LAZMALLCITI
  • Offers valid till 31 December 2018
  • Enter promo code at checkout and make payment using Citibank SMRT Card
  • Terms and conditions apply, click here for more details.

Shopee

Up to 3% savings* on your online spend!

  • NEW Shopee customers
    $7 off with min. spend of $15 in a single transaction
    Promo code: CITINEW7
    Valid till 31 December 2019, limited to first 500 redemptions monthly
  • Existing Shopee customers
    10% off, capped at $5 per transaction
    Promo code: CITITEN5
    Valid till 31 December 2018, limited to first 500 redemptions monthly
  • Enter Promo Code at checkout and pay using your Citibank SMRT Card!
  • Terms and conditions apply, click here for more details.

Love, Bonito

Up to 3% savings* on your online spend!

  • New to Love, Bonito customers:
    10% off no min. spend at www.lovebonito.com
    Promo code: CITI10NEWxxxxxx
    (where xxxxxx refers to the first 6 digits of your Citibank SMRT Card)
  • Existing Love, Bonito customers:
    10% off with min. spend of $85
    Promo code: CITI10LBxxxxxx
    (where xxxxxx refers to the first 6 digits of your Citibank SMRT Card)
  • Offers valid till 28 Feb 2019
  • Terms and conditions apply, click here for more details. for more details.

ZALORA

Up to 3% savings* on your online spend!

  • 15% off storewide with min. spend $100
    Promo code: CITIZAL2018
  • 20% off with min. spend $120
    Promo code: CITISPREE20
  • Offers valid till 31 December 2018
  • Terms and conditions apply, click here for more details.

Love & Bravery

Up to 3% savings* on your online spend!

  • 10% off regular-priced items
    Promo code: CITIxxxxxx
    (where xxxxxx refers to first 6 digits of your Citibank SMRT Card)
  • Offer valid till 28 February 2019
  • Terms and conditions apply, click here for more details.

Expedia

10% off hotel bookings

  • Visit www.expedia.com.sg/citibank to book your next holiday.
  • Promo code: CITIEXPHOL10
  • Valid till 31 December 2018
  • Enter promo code and check out with your Citibank SMRT Card to enjoy the savings.

Pet Lovers Centre

Up to 5% savings* on your purchase!

  • SGD10 welcome voucher on new VIP Membership Signup*#
  • 3% off with minimum spend of SGD15 on regular-priced items^
  • Offer valid till 31 December 2018
CITI Privileges

Citi Rebate

  • Earn up to 10% Citi Rebate on top of your existing card benefits at over 300 locations.

Learn more

Gourmet Pleasures

  • Citibank Gourmet Pleasures brings you the best dining deals. Take your pick to find something interesting - ideal for every occasion!

Learn more

Shopping Specials

  • Enjoy this month's retail therapy specials, with your Citibank SMRT Card.

Learn more

Best Petrol Deals

  • Save up to 14% on fuel at Esso and Shell.

Learn more

Online and Travel Offers

     

  • Get exclusive discounts online with your Citibank SMRT Card

Learn more

Eligibility
  • Age: 21 years old and above
  • For Singaporeans and PRs, minimum annual income of $30,000
  • For foreigners, minimum annual income to qualify is $42,000.

Salaried employee:

  • A copy of your NRIC/passport; and
  • Latest original computerized payslip or Tax Notice of Assessment or last 12 months' CPF statement.
  • Click here to submit your CPF statement online.

Self-employed:

  • A copy of your NRIC/passport;
  • Last 2 years' Income Tax Notice of Assessment; and
  • Last 3 months' bank statements.

Foreigners:

  • 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; and
  • Income Tax Notice of Assessment and latest original computerized payslip.

Annual Fee (with effect from 26 Feb 2018):

  • Basic Card annual fee : S$192.60 (inclusive of GST)
  • Supplementary Card annual fee : S$96.30 (inclusive of GST)
  • Waiver: First 2 years annual fee for Basic and two (2) Supplementary Cards

Interest, Other Fees and Charges:

Click here to view the other fees and charges.

FAQ

Click on    to expand and on    to minimise the details.

Citibank SMRT Card - SMRT$ Earning

Savings for Citibank SMRT Card comes in the form of SMRT$. SMRT$ can be accumulated to redeem for cash rebate or vouchers.

Please login to Citibank Online and select Rewards & Offers to redeem your SMRT$. Alternatively, please call our 24-Hour CitiPhone Banking at 6225 5225.

Customers can redeem SMRT$ for cash rebate and vouchers (including Giant, Cold Storage, Sheng Siong and more). For full list of vouchers, please login to Citibank Online and select "Rewards & Offers". 1 SMRT$ is worth $1.

SMRT$ can still be redeemed for vouchers from these merchants: Cold Storage, Crystal Jade Group of Restaurants, Swensen's, Sakae Sushi and Jack's Place Steak House & Restaurants.

For New Cards*

Apart from merchants that accept Visa payments, your Citibank SMRT Card also doubles up as an EZ-Link Card. Hence, it can be used for public transport fare payments and at merchants where EZ-Link payments are accepted.

Whenever the remaining stored value of the ez-link Facility on your Citibank SMRT Card is insufficient for your transaction, a default value of $30 (″EZ-Reload amount″) will be automatically debited from your new Citibank SMRT Card account. This EZ-Reload amount will be charged directly to your Citibank SMRT Card, earning you up to 2% savings each time. Please note that there is no convenience fee with each EZ-Reload transaction.

You will receive a notification containing a collection slip number (activation code). Please present your Citibank SMRT Card and collection slip number (activation code) TransitLink Ticket Office or General Ticketing Machine installed with an external card reader to activate the EZ-Reload Facility on your Citibank SMRT Card.
Upon activation of the EZ-Reload Facility, a default value of $30 will be automatically debited from your Citibank SMRT Card account and credited to the ez-link Facility incorporated with the Citibank SMRT Card. You may check the application status of your EZ-Reload Facility on www.ezlink.com.sg.

If you wish to change the default $30 EZ-Reload amount, please refer to the steps below. Please allow up to 4 weeks for the change to be made.

3 Step process:

  • Step 1. EZ-Reload Facility activated
    Proceed to any TransitLink Ticket Office to terminate the default $30 EZ-Reload Facility.

    EZ-Reload Facility not activated
    Please call EZ-Link at 6496 8300 to terminate the default $30 EZ-Reload amount.
  • Step 2. Please allow at least 7 working days for your account to be updated before reapplying for the EZ-Reload Facility with a new EZ-Reload amount. You may do so by logging on to www.ezlink.com.sg.
  • Step 3. You will receive a new collection slip number (activation code) within 14 days.

Yes, you can. Your new Citibank SMRT Card can be used for travel on public transport as well as for payment at non-travel related merchants.

For Replacements and Renewal Cards**

Each Citibank SMRT Card has a unique ez-link identifier. As such, the ez-link Facility and the EZ-Reload Facility activated on your previous Citibank SMRT Card is different from the one on your new Card and cannot be transferred.

You will receive a notification containing a collection slip number (activation code). Please present your Citibank SMRT Card and collection slip number (activation code) TransitLink Ticket Office or General Ticketing Machine installed with an external card reader to activate the EZ-Reload Facility on your Citibank SMRT Card.
Upon activation of the EZ-Reload Facility, a default value of $30 will be automatically debited from your Citibank SMRT Card account and credited to the ez-link Facility incorporated with the Citibank SMRT Card. You may check the application status of your EZ-Reload Facility on www.ezlink.com.sg.

Please refer to the steps below:

If you have activated the EZ-Reload ATU Facility previously

If you possess the physical Citibank SMRT Card Please bring your Citibank SMRT Card to the TransitLink Ticket Office to have the facility deactivated and the balance refunded to you.
The staff will destroy the Citibank SMRT Card immediately.
If you do not possess the physical Citibank SMRT Card Please contact our 24-Hour CitiPhone Banking.

If you manually top-up the ez-link stored value or have previously terminated the EZ-Reload Facility

If you possess the physical Citibank SMRT Card Please bring your Citibank SMRT Card to the TransitLink Ticket Office to have the balance refunded to you.
The staff will destroy the Citibank SMRT Card immediately.
If you do not possess the physical Citibank SMRT Card You will not be able to obtain the refund of the remaining balance in your previous Citibank SMRT Card.

If this new Card is a renewal card or a replacement for a damaged Card, the credit card number is the same. As such, your existing arrangements will remain unchanged.

* For new Citibank SMRT Card holders, your EZ-Reload amount is defaulted at $30.

** For renewals and replacement cards, the EZ-Reload amount on your Card will be the EZ-Reload amount on your previous Citibank SMRT Card.

* For monthly statement retail purchases of less than $300, SMRT$ earn rate will be 0.3% less.
# 4.7% SMRT$ is awarded for transactions of $50 and above. 2.7% SMRT$ is awarded for transactions less than $50.
+ 1.7% SMRT$ is awarded for EZ-Reload transactions of more than $30. 0.7% SMRT$ is awarded for EZ-Reload transactions of $30 or less.
^^ Please refer to Cardmember Agreement for detailed definition as well as exclusion(s) applicable.

Click here to view the Cardmember's Agreement.

Frequently Asked Questions on Credit Card Chargeback & Dispute Resolution