Citibank SMRT Card: Should You Apply?

Citibank SMRT Card: Should You Apply?

Great EZ Link + cash back card for young adults who spend on food, movies and shopping

Good for

  • Commuters who frequently use EZ-Link
  • Young professionals with a modest budget
  • Lower spenders balancing essentials & leisure

Bad for

  • Families & people with higher monthly spend
  • People who dislike merchant restrictions
  • Specialised spenders (ie dining, shopping)

Editor's Rating


If you're a young professional looking to earn on both everyday & leisure spend, Citi SMRT Card is your best bet. It's one of the few cashback cards on the market with no minimum spend requirement, so you can quickly earn high rates even if you're on a budget. Cardholders earn 5% rebate on coffee & fast food, groceries and cinemas, 3% on online shopping, and 2% on health & beauty, all with select merchants. Citi SMRT Card stands out because it's EZ-Link compatible and rewards 2% rebate for Auto Top-Ups. Competitors not only have higher minimums, they also reward fewer types of spend, making Citi SMRT Card the absolute best card for young professionals and commuters.

  • 5% rebates on coffee & fast food chains, groceries, cinemas
  • 3% rebate on online shopping
  • 2% rebate with select health & beauty merchants
  • EZ-Link functionality with 2% rebate on Auto Top-Ups
  • No minimum spend requirement
  • Up to S$120 cash rebate welcome gift
  • Earnings capped at low S$50/month (S$600/year)
  • Only select merchants eligible for rebates

What Makes Citi SMRT Card Stand Out

Citi SMRT Card is great for commuters and young professionals who spend most of their money on transit, coffee, fast food, and groceries. It’s especially convenient for commuters because of its dual function as an EZ-Link Card. Unlike most other cards, Citi SMRT Card also offers 2% in savings for EZ-Reload Auto Top-ups. Because there's no minimum qualifying spend, the card is also very accessible to those on a modest budget. With rebates up to 5% for multiple spending categories, Citi SMRT Card offers a great way for young professionals to earn cash back on select daily spend.

Monthly Statement Retail PurchasesLess than S$300S$300 or More
Coffee, Movies and Fast Food4.7%5%
Online Shopping2.7%3%
Health and Beauty1.7%2%
EZ-Reload Auto Top-up1.7%2%
All Other Spend-0.3%

Citi SMRT Card does have some notable limitations. For example, total rebate is capped at only S$600 per year (S$50 per month). In addition, the 5% rebate on groceries and 2% rebate on EZ-Reload Auto Top-Ups only apply to transactions above S$50 and S$30, respectively. Smaller transactions receive a lower rebate. Finally, online transactions on groceries, movies or food can only earn 3% instead of 5%, and online travel bookings are excluded from the 3% rate.

Different Cashback Earnings at Different Spend Levels for Groceries and EZ-Reload

Grocery SpendEZ-Reload Spend
Spend AmtRateEarnedRateEarned

Citi SMRT Card is a great match for young professionals with a modest budget because of its tailored rebates and affordability. With a 2-year waiver of the S$192.6 annual fee, the card bridges first entering the workforce to eventually earning more, and considering switching to a card with greater cashback potential (for example, the Citi Cash Back Card). In this light, average to affluent spenders with more diversified spending can spend more and earn more cashback with other credit cards.

How Does Citi SMRT Card's Rebate Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem SMRT$.

  • Rebates are earned as SMRT$, where 1 SMRT$ is equal in value to S$1
  • SMRT$ earned by supplementary card(s) is credited to the principal account
  • SMRT$ can be redeemed as cash rebate or as a shopping voucher
  • SMRT$ can be redeemed in units of 5 as cash rebate or in units of 10 as a voucher
  • SMRT$ are valid for a period of 15 months from the annual renewal (or approval) date of the qualifying period during which they are earned. Redeemed rewards vouchers, however, are valid for only the 3 months following their date of issue

Citi SMRT Card's Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesAnnual fees, interest charges, late payment charges, GST, cash advances, instalment/easy/extended/equal payment plans, preferred payment plans, balance transfers, cash advances, quasi-cash transactions, all fees charged by Citibank or third party, miscellaneous charges imposed by Citibank (unless otherwise stated in writing by Citibank)
Transfers & Bill PaymentsFunds transfers using the card as source of funds, bill payments (including via Citibank Online or via any other channel or agent)
Institutional PaymentsPayments to educational institutions, government institutions and services (including but not limited to court cases, fines, bail and bonds, tax payment, postal services, parking lots and garages, intra-government purchases), insurance companies (sales, underwriting, and premiums), financial institutions (including banks and brokerages), non-profit organizations
Betting or GamblingLottery tickets, casino gaming chips, off-track betting, and wagers at race tracks
Payment Service ProvidersTop-ups, payments to payment service providers, prepaid cards & prepaid accounts
TransitAll transit-related transactions

Citi SMRT Card's Features and Benefits:

Details & Benefits
Annual FeeS$192.6, Waived for 2 years
Annual Income RequirementS$30,000 for locals, S$42,000 for foreigners
Card Details
  • EZ-Link compatible with 2% rebate Auto Top-Up (min S$30)
  • Up to 7% rebate on groceries (min $50) at FairPrice, FairPrice Xtra Kallang Wave, Giant, Sheng Siong
  • Up to 5% rebate at select café & fast food chains (BreadTalk, Burger King, KFC, McDonald's, Pizza Hut, PastaMania, Sakae Sushi, Subway, Coffee Club, Dome Café, Gloria Jean's Coffee, Starbucks, Coffee Bean & Tea Leaf, The Connoisseur Concerto, Toast Box)
  • Up to 5% rebate at select cinemas (Cathay Cineplexes, Filmgarde, Golden Village, Shaw Theatres)
  • 3% rebate on online shopping (excluding travel bookings)
  • Up to 14% off on petrol at Esso and Shell
  • 2% rebate at Watson’s, Guardian, NTUC Unity Healthcare, GNC, Nature’s Farm
  • No minimum spend requirement
  • S$600 cap on SMRT$ rebate annually
  • Citibank Gourmet Pleasures & Citi World Privileges
  • Up to S$120 cash rebate welcome gift

How does the Citi SMRT Card Compare Against Other Cards?

Read our comparisons of Citi SMRT Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

Citi SMRT Card has a higher-than-market average value-to-consumer after two years, based on an average monthly spend of S$2,000

Citi SMRT Card v. POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, utilities, personal care, and petrol

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

POSB Everyday Card is a great all-in-one card for moms and families looking to maximise cash back from a broad range of expenditures. With rebates of up to 20% for dining, groceries, recurring telco and utilities bills, personal care, and petrol, it’s no wonder that the POSB Everyday Card was voted Singapore’s most owned and utilised credit card. But while POSB Everyday Card offers rebates on essentials, most of its rates require a minimum qualifying spend of S$800 per month. The annual fee of S$192.60 is also only waived for the first year. While consumers who spend less than S$2k per month could benefit from the POSB Everyday Card, they might also consider the Citi SMRT Card because it has no minimum spend requirement and offers a 2 year fee waiver.

Citi SMRT Card v. UOB Delight

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000

UOB Delight Card is a very well-rounded cashback card covering groceries, mass transit, and monthly recurring bills. However, its cashback program is highly skewed towards maximizing rebate on groceries, making it the top grocery rewards card in the country. If you don’t mind purchasing house brands at Cold Storage, Giant and Guardian, UOB Delight can help you save up to 18% on your grocery purchase, by far the highest in the market. It is also quite cheap to use with only S$85.60 of annual fee. However, it may be difficult for one person to meet the S$800 of monthly minimum spend to be eligible for UOB Delight’s full benefits. Therefore, this card is more suitable for families who prefer to dine in rather than out.

To summarize the key difference between the two cards, UOB Delight is better for families who have a lot of groceries to purchase every month. If you have a smaller budget, Citi SMRT could provide decent rebates on your grocery purchases along with other daily necessities like commute and coffee.

Citi SMRT Card v. OCBC 365

Consider this if you want a no-fee cashback card for food purchases, utilities and online travel bookings

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

OCBC 365 Card is a great no-fee card for consumers seeking cashback on food, utilities, and online travel bookings. With a 2-year annual fee waiver (subsequently waived with a minimum annual spend of S$10,000), the OCBC 365 Card offers the average consumer a low maintenance way to earn daily cashback. OCBC 365 stands out for rewarding recurring telco and utilities bills at a high rate of 3%, and for including online ordering and delivery within its dining and groceries rebate options, at 6% and 3% respectively. The card’s rebates, however, are contingent on a minimum qualifying spend of S$800, which may not be accessible to those with a modest budget. Consumers who spend less than S$2k per month might consider Citi SMRT Card instead as it has no minimum spend requirement.

Citi SMRT Card v. Citi Cash Back Card

Consider this if you spend mostly on food and transportation

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi Cash Back Card is a great fit for the average spender, looking to earn cashback on food and petrol purchases. The card prioritizes spend within these areas, offering a relatively high cashback rate of 8% on dining, groceries, and petrol worldwide. These rates are available after a minimum qualifying spend of S$888 per month, which is fairly accessible for an average consumer spending about S$2k per month. One drawback is that cashback for 8% rates is capped at S$25 per category, and the general unlimited rate of 0.25% is quite low. While average spenders likely won’t be hindered by these caps, more affluent spenders might consider a card with broader spend categories and higher caps. Those who spend less than S$2k per month might still consider the Citi SMRT Card for its more evenly spread rebates and ability to earn without a minimum spend requirement.

Comments and Questions

{"endpoint":"\/newsletter\/subscribe","style":"blue","title":"Keep up with our news and analysis.","version":"sidebar"}