Citi SMRT Card — Up to 5% Online, Transport & Groceries
Citi SMRT Card earns up to 5% on groceries, up to 5% on online purchases, up to 5% on transport, and up to 5% on malaysian ringgit spend — on the max tier. Enter your monthly spending to see the projected annual cashback it earns for you. Rates as of 18 Jul 2026
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| Category | Effective rate | Cashback |
|---|---|---|
| Groceries | 5% | S$10 |
| Online Purchases | 5% | S$30 |
| All other categories (base rate) | 0.3% | S$4 |
| Monthly cashback | S$44 | |
| Annual cashback | S$527 | |
New cardholders only who apply through this link and spend min. S$500 in qualifying transactions within 30 days of card approval choose one: - S$420 Cash via PayNow - 25,000 Max Miles (worth S$600) - Dyson Airstrait (worth S$799) - Dyson V8 Cyclone cordless vacuum (worth S$559) - Sony WF-1000XM6 (Earbuds) + S$80 eCapitaVoucher (worth S$559) Top-up options available (iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •0.3% base rate on all eligible spend
- S$500+/mo tier:
- •5% on Groceries — At supermarkets and grocery stores.
- •5% on Online Purchases — On eligible online purchases. Excludes mobile wallet and travel-related transactions.
- •5% on Transport — On taxi, ride-hailing and SimplyGo public transport rides (Bus/MRT).
- •5% on Malaysian Ringgit Spend — On eligible Malaysian Ringgit spend.
- •Total cashback capped at S$600 per year
- •Annual fee: S$196.20 (First 2 years waived)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
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Available to Citi SMRT cardholders.
- Annual fee
- S$196.20First 2 years waived
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 28%
- Cash advance service charge
- S$15 or 6% of amount withdrawn, whichever is higher
- Minimum payment
- 1% of current account balance plus 1% outstanding amount plus late charges or S$50, whichever is higher
- Interest-free period
- 25 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$42,000
- Minimum age: 21
- •Earns 5% cashback on groceries at supermarkets and grocery stores when monthly spend reaches S$500.
- •Earns 5% cashback on eligible online purchases when monthly spend reaches S$500.
- •Earns 5% cashback on taxi, ride-hailing, and SimplyGo public transport rides (Bus/MRT) when monthly spend reaches S$500.
- •Earns 5% cashback on eligible Malaysian Ringgit spend when monthly spend reaches S$500.
- •Annual fee of S$196.20 is waived for the first 2 years.
- •The 5% cashback rates across all bonus categories only apply when a minimum monthly spend of S$500 is met; no bonus category cashback is earned below this threshold.
- •Online category cashback excludes mobile wallet transactions, travel-related transactions, GrabPay Wallet transactions, and mobile top-ups.
- •The base cashback rate outside of bonus categories is 0.3%, which applies when the S$500 monthly spend threshold is not met or for non-bonus spend.
- •Cash advance transactions carry a service charge of S$15 or 6% of the amount withdrawn, whichever is higher, in addition to a 28% per annum interest rate.
- •The minimum income requirement is S$30,000 per annum for Singapore Citizens and S$42,000 per annum for foreigners.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the Citi SMRT Card.
- •Mobile wallet transactions (for online category)
- •Travel-related transactions (for online category)
- •EZ-Link Auto Top-Up transactions
- •GrabPay Wallet transactions
- •Mobile top-ups
The information above is a summary and may be incomplete or outdated. Always refer to Citi's official terms and conditions for the authoritative version.
About the Citi SMRT Card
The Citi SMRT Card is a tiered cashback card from Citi. Base-tier earning is 0.3% on every eligible dollar. At its top qualifying tier (S$500/mo+), the card reaches up to 5% on groceries, 5% on online purchases, 5% on transport, and 5% on malaysian ringgit spend. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (First 2 years waived). Terms and conditions apply.
Cashback breakdown
At the base tier, the Citi SMRT Card earns 0.3% on every eligible dollar. From S$500/mo qualifying spend, the card earns 5% on groceries, 5% on online purchases, 5% on transport, and 5% on malaysian ringgit spend. Total cashback is capped at S$600.00 per year, after which additional spend in the same calendar year earns nothing.
Where this card earns the most
The Citi SMRT Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$500/mo+), the calculator returns higher projected monthly cashback for groceries, online purchases, transport, and malaysian ringgit spend spend than for cards without those bonuses. Below the lowest tier (S$500/mo), every eligible dollar earns the 0.3% base rate.
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Frequently asked questions
Is the Citi SMRT Card worth it?
The Citi SMRT Card earns 0.3% cashback on general spend and up to 5% on groceries and 5% on shopping & online, with a S$196.20 annual fee (First 2 years waived). Bonus rates require at least S$500 in monthly spend and total cashback is capped at S$600 per year. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the Citi SMRT Card for?
The Citi SMRT Card suits household and grocery spenders, online shoppers, and daily commuters — it earns up to 5% on groceries, 5% on shopping & online, and 5% on transport. Spending spread across other categories may earn more on a different card.
How much cashback does the Citi SMRT Card earn?
The Citi SMRT Card has 2 earning tiers in total. At the base tier, every eligible dollar earns 0.3%. From S$500/mo qualifying spend, the card earns 5% on groceries, 5% on online purchases, 5% on transport, and 5% on malaysian ringgit spend.
Is there a minimum monthly spend?
There's no single minimum spend — the Citi SMRT Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$500/mo+ the card unlocks 5% on groceries, 5% on online purchases, 5% on transport, and 5% on malaysian ringgit spend. Below the lowest tier, the card earns the base 0.3% rate.
What is the cashback cap?
Total cashback on the Citi SMRT Card is capped at S$600.00 per calendar year. Once this annual cap is reached, additional eligible spend in the same year does not earn further cashback.
What is the annual fee?
S$196.20, First 2 years waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 18 Jul 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
Citi governing terms: Official terms (PDF)