Citi SMRT Card
Citibank Singapore · VISA
The Citi SMRT Card is a credit card from Citibank Singapore on the Visa network. It has an annual fee of S$196.20. It earns up to 5% on groceries, up to 5% on online shopping, up to 5% on transport & transit. The welcome offer is S$300 cash back for new Citi cardmembers who apply online and spend S$800 in the first 2 months (offer ends 31 March 2027).
Key facts
- Annual fee
- S$196.20
- Purchase APR
- 27.9% p.a.
- Foreign transaction fee
- 3.25%
- Network
- VISA
- Welcome offer
- S$300 cash back for new Citi cardmembers who apply online and spend S$800 in the first 2 months (offer ends 31 March 2027)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Groceries | up to 5% | Supermarkets and grocery stores, in SMRT$ |
| Online shopping | up to 5% | Online purchases, in SMRT$ |
| Transport & transit | up to 5% | Taxis, ride hailing and public transport, in SMRT$ |
| Everything else | 0.30% | Other retail spend |
Benefits and perks
- 5% back in SMRT$ on spend in Malaysian ringgit.
Questions about the Citi SMRT Card
What is the annual fee on the Citi SMRT Card?
The Citi SMRT Card has an annual fee of S$196.20.
What rewards does the Citi SMRT Card earn?
The Citi SMRT Card earns up to 5% on groceries, up to 5% on online shopping, up to 5% on transport & transit, 0.30% on everything else.
Is the Citi SMRT Card worth it?
The Citi SMRT Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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