Sign On
Get 5% savings* when you shop,
spend and ride with Citi SMRT Card
Apply now and get an upsized welcome gift of S$400 cash back^
• 2 years' annual fee waiver
• Eligible for instant approval
Your journey to smarter savings starts here with Citi SMRT Card
Maximise daily spends into bigger savings
Welcome Gift
LIMITED-TIME OFFER
Apply and get an upsized welcome gift of S$400 cash back^
Groceries
5% savings* at supermarkets & grocery stores
Online
5% savings* on online purchases~
Malaysian Ringgit spend New
5% savings* on Malaysian Ringgit Spend+
Commute
5% savings* on taxi, ride hailing & public transport rides#, island-wide
Retail spend
0.3% cashback on Retail spend
Redeem
your SMRT$ for cash rebate or shopping vouchers
Exclusive Cards Privileges
Explore the latest dining, shopping and travel deals with Citi SMRT Card
Citi Gourmet Pleasures
From casual bites to fine 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 - shop smarter at your favourite shopping malls or online.
Travel Smart with Citi
From flights and hotels to exclusive travel privileges, enjoy rewarding experiences for an unforgettable holiday.
More ways to enjoy your Citi SMRT Card
Discover the comprehensive benefits and features designed to enhance your
financial lifestyle
Refer & Earn S$150 cash Referral Bonus
Share the Citi SMRT Card! Refer a friend and be rewarded with S$150 cash
Citi Quick Cash Instant Access
Count on your Citi SMRT Card to get the cash you need, anytime and enjoy flexible repayment tenure of up to 60 months.
Citi FlexiBill Smart Financing
Convert your credit card statement retail balance into instalments
Citi Supplementary Card Flexible Payments
Share the privileges that you enjoy with your loved ones
Start your SMRT$ savings journey in 10 mins
Simple, paperless application process
Ready to start earning SMRT$?
10-minute application
Eligible for instant approval
Secure Process
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
Age 21 or older
Singaporean / Permanent Resident
Singpass Integration
Personal details auto-filled and verified securely
Required Documents:
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 Self Employed
A copy of your NRIC/passport.
Last 2 years' Income Tax Notice of Assessment.
Foreigner / Work Permit Holder
Digital Upload
Secure document upload with encrypted
processing
Required Documents:
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.
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.
Cardmember Exclusive
Join Citigold to enjoy up to S$500 cash when you hold a Citi Credit Card.
Attractive Welcome Rewards
Receive welcome rewards worth up to S$37,760^ when you join Citigold
Wealth Privileges
Enjoy personalised wealth management, global insights, and exclusive privileges with Citigold.
Frequently Asked Questions
Discontinuation of EZ-Link stored value facility
Effective 13 July 2022, all replacement, renewal & newly issued Citi SMRT Cards will be issued without the EZ-Link stored value facility.
For cards issued before 13 July 2022, you may continue to use the EZ-Link stored value facility on your Citi SMRT Card until it expires, or you can visit any TransitLink Ticket Office and present your old Citi SMRT Card with the EZ-Link stored value facility to obtain a refund for the remaining value before the expiry of the old card.
If you have a Citi SMRT card issued before 13 July 2022, you may continue to use the EZ-Link stored value facility on your Citi SMRT Card until it expires.
Removal of EZ-Link Auto Top-Up from the Citi SMRT$ Rewards Program
EZ-Link Auto Top-Up transactions will no longer be eligible to earn both base (0.3% SMRT$) and bonus (4.7% SMRT$) rewards.
If your Citi SMRT Card has the EZ-Link stored value facility, you may continue to perform EZ-Link Auto Top-Up transactions on your Citi SMRT Card but no rewards will be awarded.
No, there is no impact to your existing EZ-Link stored value facility on your Citi SMRT Card. You may continue to use the EZ-Link stored value facility until your Citi SMRT Card expires. However, any subsequent replacement or renewal Citi SMRT Card sent to you will no longer have the EZ-Link stored value facility.
No, you may continue to perform EZ-Link Auto Top-Up transactions on your Citi SMRT Card since your card has the EZ-Link stored value facility. However, you will no longer earn both base (0.3%) and bonus (4.7%) SMRT$ on your EZ-Link Auto-Top-up transactions.
Please check the back of your Citi SMRT Card:
You can continue to earn up to 5%* SMRT$ on your bus and train rides when you switch your payment mode of your Citi SMRT Card from EZ-Link stored value facility to SimplyGo^. To switch your payment mode, please visit any General Ticketing Machine (GTM) located at all MRT and LRT stations. Please bring your Citi SMRT Card with you.
* For monthly retail spend of less than S$500, SimplyGo transactions will earn the base rate of 0.3% only.
^ For more information on switching to SimplyGo, please visit the TransitLink SimplyGo website.
www.simplygo.transitlink.com.sg/FAQs
SimplyGo is an island-wide initiative that enables credit cardholders to pay for bus and train rides by tapping the credit card directly at the gantry. This means that there is no need to top up an EZ-Link stored value facility in order to pay for bus and train rides anymore.
To learn more, please visit the TransitLink SimplyGo website. www.simplygo.transitlink.com.sg/
You can enable SimplyGo in 3 ways:
1. SimplyGo via mobile payment
You can provision your Citi SMRT Card on your mobile phone for mobile payment. Upon such provisioning, the mobile payments made for your bus or train rides are automatically tagged as SimplyGo transactions.
To learn more, visit www.simplygo.transitlink.com.sg/
2. Switch to SimplyGo at any GTM for physical Citi SMRT Card
The EZ-Link stored value facility is the default payment mode (for bus and train rides) on your physical Citi SMRT Card. To enable SimplyGo transactions on your physical Citi SMRT Card with the EZ-Link stored value facility, please visit any GTM located at all MRT and LRT stations.
To learn more, please visit the TransitLink SimplyGo website and refer to the section ‘Bank Card Usage – Contactless Bank Cards with EZ-Link/NETS FlashPay Functionality’ www.simplygo.transitlink.com.sg/FAQs
3. Request for a replacement Citi SMRT Card
If you are unable to switch to SimplyGo at the GTM, please contact Citiphone at 6225-5225 to request for a replacement Citi SMRT Card after 13 July 2022. Your replacement card will automatically be enabled for SimplyGo transactions.
Simply visit any TransitLink Ticket Office and present your old Citi SMRT Card with the EZ-Link stored value facility to obtain a refund for the remaining value
To learn more, please visit SimplyGo website. www.simplygo.com.sg
Yes, you can. Simply visit any TransitLink Ticket Office and present your Citi SMRT Card to terminate your EZ-Link Auto Top-Up and obtain a refund for the remaining value. The remaining value on the EZ-Link stored value facility will be refunded to your Citi SMRT Card within 4 weeks.
To learn more, please visit SimplyGo website.
www.simplygo.com.sg
Terms & Conditions
Terms and Conditions
Click here to view the Citi SMRT Card S$0.20 Weekly Treats Promotion Terms and Conditions. Promotion is valid until 18 Dec 2025.
^Click here to view the Citi SMRT Card $400 Cash Back Terms & Conditions. Promotion is valid until 15 Jan 2026.
*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 Feb 2026.
#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 for Frequently Asked Questions about Citi SMRT Card.
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$.
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