Citi SMRT Card — Up to 0.3% flat
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. Use the simulator to see your projected annual cashback.
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| Category | 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 | |
Make S$800 qualifying spend within 2 months from card opening month, and receive S$300 cash back as a welcome gift.
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Make S$800 Qualifying Spend in retail transactions (by both main and supplementary card member) on your Eligible Card within 2 calendar months, from month of your account opened date. Example: if account is opened on 12 Aug, the Qualifying Spend Period will be from Aug to end of Oct.
The information above is a summary and may be incomplete or outdated.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.
- •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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Show conditionsHide conditions
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- S$15 or 6% of amount withdrawn, whichever is higher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.
- •New cardholders can receive S$300 cash back by making S$800 in qualifying spend within 2 calendar months from the month the account is opened, valid until 30 June 2026.
- •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.
How it compares
Compare against all cashback cardsarrow_forwardFrequently asked questions
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 June 2026, not guarantees of future earnings. Terms and conditions apply.
Note: Projections are estimates based on standard Merchant Category Codes (MCCs) and currently published bank rates. Actual earnings may vary due to bank-specific exclusions or rate changes. First-year projections assume a new cardholder eligible for introductory rates; ongoing figures reflect rates after the introductory period. This tool is for informational purposes and is not financial advice. Last verified: June 2026.
The figures and product details shown here may differ from what you see when you visit the bank, the card issuer, or the product's own page — terms, rates and promotions can change at any time. All products and services are presented without warranty of accuracy or fitness for a particular use. SGfi may earn a referral fee from some of the cards featured, at no additional cost to you; affiliate placements are marked individually and do not affect the projections or the order in which cards are ranked.
Standard merchant coverage estimates are based on Singapore market share as of 2026. You can adjust these for your own spending in the settings above.