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    Citi Grocery Credit Cards in Singapore

    Credit Card Application

    Citibank offers a wide range of credit cards in different categories – there are student credit cards, shopping credit cards, dining credit cards, travel cards and grocery credit cards among others. As the name suggests, grocery credit cards offer benefits in the form of cashback or rewards points. There aren’t too many grocery credit cards in the market with Citibank being one of the top banks offering credit cards under this category.

    Let’s take a look at some popular grocery credit cards offered by Citibank in Singapore. We look at the features and benefits of these cards, among other details including how to apply for these cards, fee related details and interest charges.

    Features and Benefits of Citibank Grocery Credit Cards

    There are two major credit cards offered by Citi that fall under the category of groceries. These cards come with a host of benefits and features, making your routine grocery shopping experiences more appealing than ever. Here are the benefits offered by Citi grocery credit cards:

    The Citi SMRT Credit Card

    • Sign-up for the Citi SMRT Credit Card and get a cashback of S$120 if you spend a minimum of S$600 in the first six months of receiving the credit card.
    • Save up to 5% when you purchase grocery items in Singapore.
    • Enjoy savings of up to 7% when you use your card at FairPrice, Giant and Sheng Siong.
    • For every dollar you spend using your card, get 1 SMRT rebate that will directly be credited to your account.
    • Enjoy savings of up to 3% when you use your card for online shopping.
    • Redeem your rebates for SMRT vouchers by visiting the Citi website.
    • Enjoy savings of up to 5% on movies, fast food and coffee.
    • On all other expenses, enjoy a rebate of 0.3%.

    The Citi Cashback Credit Card

    The Citi Cash back Credit Card is one of the most popular grocery credit cards in the market right now. Here are some salient features and benefits of the Citi Cashback Credit Card:

    • Enjoy great cashbacks on grocery shopping.
    • Enjoy a joining bonus of S$120 when you spend a minimum of S$200 every month, for the first six months after you receive your card.
    • Get a cashback of up to 8% on grocery shopping, valid across grocery outlets in Singapore.
    • Receive cashback of up to 20% with select merchants in Singapore.
    • All other expenses will yield a cashback of 0.3%.
    • Fuel savings of up to 21% at Esso stations and Shell stations across Singapore.
    • Enjoy full benefits of the cashback offers on dining, grocery shopping and fuel by spending a minimum of S$888 a month.

    The Citi Rewards Credit Card

    Another popular credit card that offers excellent benefits as far as grocery shopping is concerned is the Citi Rewards Credit Card. Let’s take a look at some prominent features associated with this credit card:

    • Get a cashback of up to S$120 when you sign up. The cashback is awarded after a period of 6 months if you spend at least S$200 each month using your card.
    • Enjoy a rebate of 2% when you use your credit card to make grocery purchases at Sheng Siong, Cold Storage and Giant.
    • Earn 20X Citi Rewards Points when you use your card to make online purchases on Amazon.com.
    • All other expenditures will help you earn 1 Reward Point.
    • Also earn air miles with this card.

    Interest Rates

    The interest rate per annum on Citibank Credit Cards is 26% p.a. This interest is compounded on your basis on your outstanding credit card balance. Every month, you will be required to make a minimum payment of 3% of your total outstanding balance by the due date. If your monthly payment isn’t made before the due date, penalty charges will accordingly be levied. The interest of 26% p.a. is on purchases made using your Citibank Credit Card.

    Cash advances also attract an interest charge along with a cash advance handling charge. The interest on cash advances is 26.9% p.a., again, levied at a compounding rate of interest on a daily basis. Also, a cash advance handling charge of 6% of the amount withdrawn using your credit card will be levied.

    Fees and Charges

    Product/Item Fees and Charges
    Annual fees for Citi SMRT Credit Card

      • Principal card – S$192.60

      • Supplementary card – S$96.30

    Annual fees for Citi Cashback Credit Card

      • Principal card – S$192.60

      • Supplementary card – S$96.30

    Annual fees for Citi Rewards Credit Card

      • Principal card – S$192.60

      • Supplementary card – S$96.30.

    Interest rate 26% p.a. on expenses.
    Cash advance charge 6% of the withdrawn amount or S$15, depending on whichever of the two is higher.
    Interest on cash advance 26.9% p.a. levied at a compounding rate of interest.
    Late payment fee S$40.
    Lost or stolen credit card liability Maximum liability charge of S$100

    Eligibility Criteria

    To apply for Citi grocery Credit Cards, you must fulfil the following eligibility parameters:

    • Minimum age: 21 years of age
    • Minimum income:
      • Singaporeans & permanent residents: S$30,000 p.a.
      • Foreigners: S$40,000 p.a.

    Documents required

    • Salaried individuals:
      • Copy of NRIC, Latest computerised payslips, CPF statement.
    • Self-employed individuals and individuals with varied income:
      • Copy of your NRIC, CPF Statement obtained using your SingPass ID, latest Computerised Payslips.
    • Foreigners:
      • Copy of Passport, Proof of employment from employer, Employment Pass, Latest Computerised payslips.

    How to apply for the Citibank Grocery Credit Cards?

    If you wish to apply for Citi Grocery Credit Cards, all you have to do is visit the Citibank SIngapore website and place an online request for the credit card of your choice by by filling up the online application form.

    You will also have to upload your supporting documents – your proof of identity, proof of income, and proof of residence. Once that’s done, an executive from the bank will get in touch with you and help you complete the remainder of your application.

    The bank will review your application against various parameters, most importantly your credit history and your credit score. If your credit profile meets the bank’s internal credit norms, your application will be approved.

    Once your application is approved, the bank will dispatch your credit card and you can expect to receive your credit card in about 7 to 10 business days.

    How to Cancel a Grocery Credit Card

    If you wish to cancel a grocery credit card, you will need to call the bank’s hotline number and inform the bank about your intention to cancel your card.

    Reporting a lost/stolen Credit Card

    Lost or stolen cards can be reported to the bank by contacting the DBS credit card hotline Number. Customers are required to provide details of their card including the card number, the pin, etc. and information on the most recent transactions performed by them using their card. The bank will subsequently block the card from future transactions. Customers are also expected to provide written confirmation of the loss/theft of their card. 

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