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    We found 1 Citibank SMRT Card For Daily Essentials: Yet to Get Reviews
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    Citibank SMRT Card For Daily Essentials: Yet to Get Reviews

    Credit Card Application

    With this card, you’ll be able to save on your daily expenses. The highlights of this credit card are:

    Card Highlights
    • Up to 5% savings on daily spends.
    • Redeem your SMRT$ for vouchers or cash rebate.
    • 2-year annual fee waiver on both primary and supplementary cards.

    Best suited to : This card is a suitable option for those who want to save on their daily transactions.

    Key Features

    Features Description
    Annual fee
    • Basic card - S$192.60 (includes GST charges)
    • 2-year annual fee waiver
    Savings on groceries Up to 5%
    Savings on movies, coffee, and dining Up to 5%
    Savings on online shopping Up to 3%
    Savings on all other spends 0.3%

    Additional Benefits

    Save on your daily transactions with Citi Rebate

    • You can earn Citi Rebate of up to 10% in addition to your existing credit card benefits. You can earn this rebate at more than 300 participating locations.
    • There is no restriction to how much Citi Rebate you can earn and it has no expiry date.
    • 1 Citi Rebate is equal to 1 Singapore dollar.

    Promotional offers

    With a Citibank SMRT card, you’ll qualify for a wide range of promotions with respect to dining, travel, and online transactions. You can visit the promotions page for additional details.

    Citi Gourmet Pleasures

    This dining programme qualifies you to exclusive discounts, offers, and dining deals at many restaurants across Singapore.

    Shopping offers

    With this card, you’ll enjoy different kinds of travel deals and online shopping offers with Zalora, Expedia, Shopee, and several other brands.

    Fuel deals

    You can save up to 14% on your petrol bills at Esso and Shell fuel stations.

    Refer a friend to receive a cashback of S$50

    In case you’re an existing Citi Credit Card holder, you can refer a friend to sign up for a Citibank SMRT Card. You’ll receive S$50 cashback when your friend applies for the card as a new applicant successfully.

    • This offer expires on 31 August 2018.
    • You’ll be rewarded with cashback only once your friend’s card application is approved by the bank.
    • You need to own a minimum of 1 main Citi credit card at the time of referral.
    • You’re not allowed to utilise the cash back you’ve received to balance out any pending dues you need to pay to the bank.

    For detailed terms and conditions, you can visit the bank’s official website.

    Other benefits

    • You can assign the credit limit to all your supplementary cards.
    • Your Citibank SMRT Card can be used as an EZ-Link card. Also, you’ll not be charged any convenience fee on EZ-Reload Auto Top-ups.
    • You can use your credit card to make contactless payments via Visa payWave for transactions up to S$100.
    • When you shop at POPULAR Bookstores or Toys"R"Us, you can save up to 5%.
    • You can save up to 1% on your telecommunication bills, insurance bills, and newspaper subscriptions.

    Earn SMRT$

    • For transactions worth S$50 and more, you’ll get up to 4.7% SMRT$.
    • For transactions below S$50, you’ll get up to 2.7% SMRT$.
    • For EZ-Reload transactions that are above S$30, you’ll get 1.7% SMRT$.
    • For EZ-Reload transactions that are equal to or less than S$30, you’ll get 0.7% SMRT$.

    Take a look at the below table, to see how much you can save on your daily transactions:

    Spend category Statement spend (Monthly) Savings
    Below S$300 S$300 and above
    Online shopping 2.7% +0.3% 3%
    Groceries 4.7% 5%
    Coffee, fast food and movies 4.7% 5%
    EZ-Reload transactions (Auto Top-up) 1.7% 2%
    Health and beauty 1.7% 2%
    All other spends   0.3% 0.3%

    Let us illustrate:

    The illustration given below helps you understand as to how you can earn SMRT$ using your Citibank SMRT Card.

    Spend category Your transaction amount SMRT$ earned by you Your savings
    EZ-Reload transaction (Auto Top-up) S$50 S$1 1.7% + 0.3%
    Online transaction S$100 S$3 2.7% + 0.3%
    Fast food, coffee, and movies S$150 S$7.50 4.7% + 0.3%
    Groceries S$400 S$20.00 4.7% + 0.3%
    Other spends S$10 S$0.03 0.3%
    Total S$710.00 S$31.53

    Redeeming your Earned Rewards

    • Redeem for shopping vouchers:
      • You can spend at qualifying merchants.
      • Sign on to your Citibank Online account.
      • Redeem SMRT$ for a voucher.
    • Redeem for a cash rebate:
      • You can redeem instantly via an SMS.
      • With 5 SMRT$, you’ll qualify for S$5 cash rebate.
      • With 10 SMRT$, you’ll qualify for S$10 cash rebate.

    Interest Rates

    Type of interest Charge
    Retail purchases 26.9% p.a.
    Cash advance 26.9% p.a.
    Instalment Payment Plan 0%

    Other Fees and Charges

    Type of charge Charge
    Overseas transaction fee
    • Up to 2.8% administrative fee for foreign currency transactions.
    • 1% dynamic currency conversion fee.
    • 1% administrative fee for SGD transactions processed overseas.
    Late payment fee S$100
    Over limit fee S$40
    Cash advance fee 6% of the withdrawn amount or S$15 (whichever is higher)
    Supplementary card fee
    • S$96.30 (includes GST charges)
    • Annual fee waiver for initial 2 years

    Eligibility Criteria

    Before deciding to apply for this card, check if you meet the criteria for it here.

    Activating the Card for Overseas Expenses

    Yes, you need to activate your Citibank SMRT Card in order to use it overseas. It can be done in the following ways:

    • SMS
    • Self-service phone banking
    • Citi mobile
    • Citibank online

    Instalment Payment Plans Available

    Citibank Equal Payment Plan

    • It is an interest-free instalment plan with no additional charges for using it.
    • You can make your payments via instalments (0% interest) at more than 1000 qualifying stores.
    • You can choose a tenure of up to 24 months.

    Citibank Paywise

    • With this plan, your retail transactions can be converted into 0% monthly instalments.
    • Your instalment tenure will be 6 months.
    • To use this plan, you need to make a retail spend that is worth a minimum of S$500.
    • A one-time service charge of 5% will be applicable (EIR of 25.18% p.a.).

    Lost/Stolen Cards

    In the event that your credit card has been lost or stolen or the PIN has been disclosed to an unknown person, you must inform the bank immediately. If the following conditions have been satisfied by you, the maximum liability for unauthorised transactions will be S$100:

    • You inform Citi regarding the incident immediately.
    • In case the card has been stolen, you register a police complaint.
    • You are able to convince the bank that the loss/theft/disclosure was not due to your negligence.

    There are two ways to report the loss/theft/disclosure to the bank; you can log into the Citi Mobile App, report the incident and apply for a replacement credit card or report the incident by contacting the CitiPhone banking hotline which is available 24/7.

    Instead of picking a credit card at random based on sign-up perks or promotional offers, do your research and find what is best for your requirements. Take the smart way out and know more about credit cards through BankBazaar.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions – Via Direct Debit Authorisation Form

    You’ll be able to enable or disable auto debit and standing instructions on your Citibank SMRT Card with the help of the Direct Debit Authorisation form. This form is available on the bank’s official website.

    You need to fill in the form with the necessary details and send your completed form to Citi Singapore Limited.

    How to Apply for the Card & Check the Application Status -Through BankBazaar

    • Visit the BankBazaar Singapore website to apply for this card online.
    • Follow the instructions on the screen to complete your application form.
    • Validate and confirm your information upon completing the form and submit it online with the required documents.

    Use the Citi Phone Banking service to check the status of your card application.

    How to Check Balance – Via SMS/Online Banking/Citi Phone Banking/Citi Mobile App

    You can know the outstanding balance on your credit card by sending an SMS to the bank. You’ll instantly receive an SMS from the bank with the information you have requested for.

    You can also check your balance via internet banking, phone banking, and the Citi mobile app.

    How Can the Bill Be Paid? - GIRO/ FAST/ AXS/ ATMs and others

    Pay your credit card bill in the following ways:

    • Cheque
    • SMS Pay
    • AXS stations
    • Citibank ATMs
    • SAM machines
    • Phone banking
    • Citi Mobile app
    • Cash deposit machines
    • Interbank GIRO Online banking
    • Fast And Secure Transfers (FAST)

    How Much Is the Minimum Payment to Be Made on the Card? - S$50 or 1% of older dues + 1% of current balance

    The minimum amount payable by you will either be S$50 or the sum of 1% of your current balance and 1% of any pending dues (pending unbilled amounts, late payment fee, any interest charges, and any overdue amount), whichever amount is higher will be considered.

    What Is the Grace Period? – 25 Days

    The interest-free period or grace period on this credit card is 25 days from the date of the statement of account.

    Which Mobile Wallets Can This Card Be Used With? - Samsung Pay/Citi Pay/Apple Pay

    You can use your Citibank SMRT Card with the following mobile wallets:

    • Citi Pay
    • Samsung Pay
    • Apple Pay

    Can It Be Used With EZ-Link? - Yes

    Yes, the Citibank SMRT Card can be used as an EZ-Link card. Also, on activating the EZ-Reload facility on your card, you’ll be able to enjoy auto top-up when the EZ-Link value on your card is insufficient.

    Also, a convenience fee is not applicable for EZ-Reload auto top-up transactions.

    You can also make use of the EZ-Pay service with Citi cards by registering for it. Upon completing the registration, you can use the card at all ERP gantries in Singapore without the need to stop anywhere or top up your card.

    How to Block or Unblock the Card - Phone banking/Citi Mobile

    It can be done in 2 ways:

    • Call 24-hour CitiPhone banking hotline number
    • Citi Mobile App

    How to Reset the PIN - CitiPhone Self-service Hotline

    It can be done by calling the 24-hour CitiPhone self-service banking hotline.

    What Is the Billing Cycle and the Bill Due Date? - The time span between 2 continuous bills and the date by which you need to pay your credit card bill

    Your billing cycle will vary depending on the number of working days in a month. Your credit card bill payment due date will be mentioned in the credit statement you get on a month-on-month basis.

    You should make your credit card payment within your due date. You can choose to either pay the minimum amount or the entire bill amount as per your credit card statement.

    How to Get a Replacement Card – Phone or Internet Banking/Citi Mobile

    In case you have blocked your existing credit card (permanently) for security reasons or your existing card has expired, you can raise a request for a replacement card through the Citi Mobile App. Also, to use this option you’ll need your Citibank online login credentials. Upon raising a request, your replacement card as well as the PIN will be sent to you at your registered address with the bank.

    Suppose you do not have a Citibank Online account, you can use the 24-hour CitiPhone banking hotline to raise a request for a replacement card.

    How to Temporarily Increase the Limit of the Card – 24-hour CitiPhone Self-Service Phone Banking

    You can temporarily increase your card’s credit limit by contacting the bank via their 24/7 Self-Service Phone Banking hotline.

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