Citibank SMRT Card


Citibank SMRT Card

Grocery Rebate
up to 7.30%


Dining Rebate

Online Shopping


Other Rebate
up to 5.00%

Signup Cashback

Review on Citibank SMRT Card

High rebate for coffee, movies, groceries and other merchants
Decent rebate even if did not meet low $300 min. spend

Low rebate for ATUs, recurring bills, online shopping and personal care
Tiered rebate with min. spend required for groceries
Signup for cashback offer subject to high min. spend


Apply & get up to $120 Cashback

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Credit Card Details Credit Card Details

Eligibility : $30,000 p.a.

Annual Card Fee : $192.60 (Waived for first 2 years)

Supplementary Cards : $96.30 (Waived for first 2 years for supplementary cards)


Entertainment Benefits Entertainment Benefits

Enjoy up to 5% savings on coffee

5% SMRT$ is awarded for transactions at Starbucks Coffee, The Coffee Bean & Tea Leaf, Coffee Club, Dome Café, The Connoisseur Concerto (tcc), Gloria Jean's Coffees

Enjoy up to 5% savings on movies

5% SMRT$ is awarded for transactions at Cathay Cineplexes, Filmgarde, Golden Village and Shaw Theatres


Groceries Shopping Benefits Groceries Shopping Benefits

Enjoy up to 7.3% savings on groceries

7.3% SMRT$ will be awarded at FairPrice Xtra Kallang Wave

5% SMRT$ will be awarded at all other FairPrice Supermarkets, Sheng Siong and Giant

5% SMRT$ is awarded for transactions of $50 and above. 3% SMRT$ is awarded for transactions less than $50.


Dining Benefits Dining Benefits

Enjoy up to 5% savings for selected merchants

5% SMRT$ is awarded for transactions McDonald’s, Pizza Hut, KFC, BreadTalk, Burger King, PastaMania, Sakae Sushi, Subway and Toast Box


Online Shopping Benefits Online Shopping Benefits

Enjoy up to 3% savings for online shopping

3% SMRT$ is awarded for online shopping and excludes all travel-related transactions


Cashback and Conditions Rebates and Conditions

5% SMRT$ is awarded at POPULAR Bookstores, Toys 'R' Us and Pet Lovers Centre

5% SMRT$ is awarded at selected town councils service and conservancy charges

2% SMRT$ is awarded for EZ-Reload Auto Top-ups

2% SMRT$ is awarded for EZ-Reload transactions of more than $30. 1% SMRT$ is awarded for EZ-Reload transactions of $30 or less.

2% SMRT$ at Watsons, Guardian, NTUC Unity Healthcare, GNC and Nature's Farm

1% SMRT$ for Telco bills (M1, Starhub or Singtel), ACE Insurance premiums, Prudential premiums and Singapore Press Holdings subscriptions

Enjoy 0.3% SMRT$ for all other spend

SMRT$ rebate is awarded for monthly statement spend of $300 and above. For monthly statement spend of less than $300, SMRT$ earn rate will be 0.3% less for each category

Redeem your SMRT$ for vouchers and free rides online or cash rebate instantly via SMS

A maximum of 600 SMRT$ can be earned during any 12 month period


Petrol Stations Benefits Petrol Stations Benefits

Enjoy up to 16.4% savings (14% onsite + up to 2.4% Smiles points) at Esso

Enjoy 15.6% savings on Shell fuel with the cashback (14% onsite + 1.6% Escape points) at Shell


Promotions Promotions

New Citibank cardholders can receive $120 cashback with minimum $1,200 spend from card approval date to the end of that first calendar month plus three additional full calendar months immediately after the end of that first month (Until 31 Jan 2020)


Click here to go to Citibank website for more details

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Reviews or Comments (3)

Ave. Rating:
5/5 (3)
Topic: Citibank SMRT Card Review and Benefits
Sort By
Wei Ming
Oct 2017
Wei Ming says...

Citibank cards generally have excellent tieups with many merchants for promotions and discounts and the SMRT Card is one of the better cards with rebate on top of discounts.

John Lu
Sep 2014
John Lu says...

Currently my most frequently used credit card due to the 7% rebate on groceries. The rebate earned from the SMRT card is about $200++ per year based on normal consumption.

David yip
Sep 2014
First Poster
David yip says...

This card helps me save around $30 for mrt rides top up every month. The minimum $600 spend to get the higher tier rebate seems a lot but actually its easy to fulfill if you use it on groceries and everyday spend. Even if your monthly spend is less than $600, the rebate is only lower by 0.3%.



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