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    Citibank SMRT Credit Card Review

    Citi has several cash back cards, and the Citibank SMRT Credit Card is an ideal card for moderate spenders.

    You get up to 7.3% savings at FairPrice Xtra Kallang Wave, up to 5% savings on grocery purchases from FairPrice, Giant and Sheng Siong. Enjoy savings up to 5% on fast food outlets and cafes, cinema theatres, toys and books, recurring transactions and other essential purchases at Pet Lovers Centre. Get up to 3% savings on online shopping and up to 2% savings on health & beauty purchases made at select stores. All other transactions made through this card will earn you 0.3% savings. The savings are credited in the form of SMRT$ and can be redeemed for vouchers, SMRT rides or cash rebate, making the Citibank SMRT Card a multipurpose co-branded card.

    You can link this card to your EZ-Link account and use it for your transport needs. If you make an auto top-up for EZ-Reload, you will not be charged a convenience fee. This card also has the Visa contactless payment system called Visa payWave which you can use for payments below S$100. Of course, you’re welcome to all Citi privileges such as Citi Rebates at selected stores, Citi Gourmet Pleasures for dining offers, as well as curated shopping, petrol, travel and online shopping promotions.

    Features of Citibank SMRT Card

    Listed below are the features of Citibank SMRT Card:

    • Savings card: This card offers savings on daily essentials such as groceries, dining, coffee, toys, books, movies, online purchases, health & beauty and recurring bills.
    • Annual fee waiver: The annual fee is waived for 2 years on the principal and 2 supplementary cards.
    • Supplementary cards: You can get supplementary cards for your family and get additional savings. You can also assign credit limits to all supplementary cards.
    • Contactless payments: You can use your credit card to make contactless payments via Visa payWave for transactions up to S$100.
    • Pay your bills with ease: You can pay your monthly credit card bills with ease. You can make payments through the Citi mobile application, internet banking or other channels as well.
    • Use as an EZ-Link card: You can use the SMRT Credit Card as an EZ-Link card without having to carry another card for your conveyance. The card charges no convenience fee on EZ-Reload Auto Top-Ups.
    • Instalment options: You can convert your big-ticket purchases into easy monthly instalment options. Contact the bank for further details on available tenures.
    • Cash withdrawals: You can use your Citibank SMRT Card to make cash withdrawals from ATMs. Interest charges on cash withdrawals is levied on a daily basis. A cash advance fee of 6% of the transacted amount (subject to a minimum charge of S$15), will be applicable.

    Benefits of Citibank SMRT Card

    With the Citibank SMRT Card, you will have access to Citi’s privileges such as:

    • Citi Rebates – You can get up to 10% rebates at over 300 food and beverage, grocery and retail outlets. These include PrimaDeli, Dunkin’ Donuts, Marble Slab Creamery, Starbucks, Four Seasons, Sheng Siong, Blum & Co., Sports Connection and Aurora Jewellery.
    • Citi Gourmet Pleasures – This programme gives you dining discounts on a wide variety of restaurants and fine dining establishments across Singapore.
    • Monthly retail therapy – Shopping can be fun and cheaper with special deals from the Citi SMRT Card. The offers change every month.
    • Savings on petrol – Enjoy savings of up to 16% at Shell and up to 14% at Esso.

    Citibank SMRT Card Promotions

    • Shopback: Shopback offers up to 37% savings on Visa payments at merchants such as Expedia, ASOS and Lazada up to 31 December 2017. You need to make your purchases through shopback.sg/visa. Only the first 500 customers each day can enjoy this rebate.
    • Borderlinx: Through Borderlinx, you can upgrade your standard shipping to expedited shipping without any extra cost. Additionally, you will also get 5% discount on standard international shipping fee on your first order. You also don’t have to pay an admin fee of S$20 on returns of your orders. The offers are valid until 31 December 2017.

    Joining benefits/perks

    Citi Singapore offers its joining benefit to new customers applying for the Citibank SMRT Card. The card offers cash back of up to S$120 to new applicants. You have to spend at least S$200 on the card every month for a consecutive period of 6 months upon which the cash back will be awarded in denominations of S$20 per month. The offer is valid till 30 June 2018.

    Citibank SMRT Card Rewards Program

    What you get:

    • Groceries – 5% SMRT$ on transactions of S$50 and above and 3% SMRT$ on purchases below S$50 at the following merchants:
      • FairPrice
      • Giant
      • Sheng Siong
      • FairPrice Xtra Kallang Wave – Up to 7.3% SMRT$
    • Dining and cafes – 5% SMRT$ on dining and café spends at the following merchants:
      • McDonald’s
      • KFC
      • BreadTalk
      • Pizza Hut
      • Burger King
      • PastaMania
      • Subway
      • Sakae Sushi
      • Toast Box
      • Dome Café
      • Coffee Club
      • Starbucks Coffee
      • Gloria Jean’s Coffee
      • The Connoisseur Concerto (tcc)
      • Coffee Bean & Tea Leaf
    • Movies – 5% SMRT$ on movie ticket purchases at:
      • Cathay Cineplexes
      • Golden Village
      • Filmgrade
      • Shaw Theatres
    • Toys and books – 5% SMRT$ on toys and book purchases at POPULAR bookstores and Toys “R” Us.
    • Online shopping – 3% SMRT$ on online shopping transactions.
    • Recurring bills – Up to 5% SMRT$ on recurring bill transactions in the following ways:
      • EZ-Reload Auto Top-Ups – 2% SMRT$ on transactions above S$30 and 1% SMRT$ on transactions of S$30 and below
      • Town councils – 5% SMRT$ on select town councils’ conservancy and service charges
      • Telecommunication bills – 1% SMRT$ on bills at Singtel, M1 and Starhub
      • Insurance – 1% SMRT$ on insurance payments at Prudential and ACE Insurance
      • Newspaper subscriptions – 1% SMRT$ on Singapore Press Holdngs bills.
    • Health and beauty – 5% SMRT$ on transactions at:
      • Guardian
      • GNC
      • Nature’s Farm
      • Watson’s
      • NTUC Unity Healthcare
    • Other essentials – 5% SMRT$ at Pet Lover Centre expenses
    • All other eligible spends – 0.3% SMRT$

    How to redeem rewards on Citibank SMRT Credit Card:

    You can redeem your SMRT$ for SMRT rides and vouchers through online banking or redeem for cash rebate instantly through SMS.

    Charges and details:

    A minimum monthly spend of S$300 is required to earn maximum SMRT$ of 5% on groceries, dining and café spends, movies, toys and books, health beauty, other essential purchases and up to 5% on recurring bills, and 3% on online shopping.

    The beauty of this card is that if your monthly spend goes below S$300, you don’t lose a bulk of the SMRT$ rebates. The rebates will be lower by just 0.3% if you don’t meet the minimum spending requirement. However, you will earn extra 0.3% SMRT$ on non-categorised transactions only if you spend more than S$300 per month.

    Citibank SMRT Card Instalment Payment Plans

    You can use the Equal Payment Plan or EPP to convert large purchases into this interest-free instalment payment plan. Tenures of up to 24 months are available at more than 1,000 participating merchant outlets. However, note that purchases converted to this plan are not eligible to earn SMRT$.

    Citibank SMRT Credit Card Fee and charges

    Type of fee Amount payable
    Primary card annual fee S$160.50 p.a. (third year onwards)
    Supplementary card fee S$85.60 p.a. (third year onwards)
    Interest rate 26% p.a.
    Late payment charges S$100
    Cash advance fee S$15 or 6% of the amount withdrawn
    Card replacement fee S$10

    Citibank SMRT Card Foreign Currencies Transactions fees

    Card transactions (including online and overseas transactions) effected in US dollars will be converted into Singapore dollars. Card transactions effected in foreign currencies other than US dollars will be converted to US dollars before being converted into Singapore dollars. The conversion will take place on the date on which the transaction is received and recorded by the bank. The currency conversion will be based on the prevailing foreign exchange rate or an exchange rate determined by Visa.

    An administrative charge of up to 2.8% of the transacted amount will be levied by Visa on the final amount converted to SGD. In the case of Dynamic Currency Conversions, an extra charge of 1% will be levied on the transacted amount, charged by Visa.

    Cash in Advance/withdrawal Charges

    All cash withdrawals performed with the SMRT Credit Card will attract a cash advance fee amounting to 6% of the amount withdrawn, with the minimum charge being S$15. Cash withdrawals will also attract interest charges at 26.9% p.a., levied on a daily basis at a compounding rate until the amount is repaid in full.

    How to apply for Citibank SMRT Card

    You can now apply for the Citibank SMRT Card quite easily through bankbazaar.sg. You need to click on the ‘Check Eligibility’ option next to the card on our site and complete the eligibility check. You can select a card and the ‘Select Quote’ button, after which you have to provide your personal and income details, and upload your documents online.

    Citibank SMRT Card Eligibility

    Minimum age: 21 years age

    Minimum income:

    • Singaporeans & Permanent Residents: S$30,000 p.a.
    • Foreigners: S$42,000 p.a.

    Documents required to apply for Citibank SMRT Card

    You need to submit certain documents while applying for this credit card. Listed below are the documents that need to be submitted at the time of application:

    Salaried individuals:

    • Copy of NRIC or passport and
    • Most recent computerised payslip or CPF statement for the past 12 months or Tax Notice of Assessment.

    Self-employed individuals:

    • Copy of NRIC or passport and
    • Income Tax NOA (Notice of Assessment) for the past 2 years and
    • Bank statements for the past 3 months.

    Foreigners:

    • Copy of passport and
    • Copy of work permit and
    • Copy of telephone bill/utility bill/bank statement containing the applicant’s name and address and
    • Income Tax NOA (Notice of Assessment) and
    • Most recent computerised payslip

    Citibank SMRT Card Interest rates

    The annual rate of interest on retail transactions is 26% p.a. for the Citibank SMRT Credit Card. This interest is calculated at a compounding rate on an everyday basis. If you delay your payments too often or fail to make payments, you will have to pay an extra 3% p.a. (totalling to 29% p.a.) as interest. The normal interest rate of 26% p.a. will be reinstated only once you start making regular payments. The bank may also offer a low interest rate of 20% p.a. on retail transactions and 20.9% p.a. on cash advances if you have a great repayment history and impeccable credit behaviour.

    Citibank SMRT Card Bill Repayments

    The minimum monthly repayment on this credit card is 1% of your current balance + 1% of your outstanding unbilled instalments (if applicable) + interest charges (includes service charges on instalment payments/recurring bills, etc.) + late payment fee (if applicable) OR S$50, depending on whichever of the two is greater + the overdue amount (if applicable).

    In the event that the current balance is lower than S$50, the minimum payment will be the current outstanding balance.

    Repayments on Citi credit card bills can be made through several channels including:

    • Citi online banking
    • Fast And Secure Transfers (FAST)
    • SMS Pay
    • Citi mobile app
    • Phone banking
    • ATMs and Cash Deposit Machines
    • SAM machines
    • AXS stations

    Citibank SMRT Card EZ-Reload Activation

    How the EZ-link facility works on your Citibank SMRT Card

    The default EZ-Reload amount for the EZ-link facility is S$30. If the EZ-link facility on your Citibank SMRT Card has an insufficient stored valued, S$30 from your credit card will be debited as the “EZ-Reload” amount and credited to the EZ-Link facility on your card. Every time your SMRT Card is charged with an EZ-Reload amount, you will earn 2% rebate.

    How to activate the EZ-link facility on your Citibank SMRT Card

    A notification will be sent to you which will contain an activation code/collection slip number. You will have to take your Citi SMRT Card and this activation code to a TransitLink Ticket Office or a General Ticketing Machine where an external card reader has been installed. The application is based on your latest EZ-Reload amount. You can contact EZ-Link to enquire the status of your application or your activation code, online or through phone.

    How to change the default EZ-Reload amount on your Citibank SMRT Card

    If the EZ-Reload facility on your Citibank SMRT Card has been activated, please follow the steps below to change the default amount of S$30:

    • Visit any TransitLink Ticket Office and terminate your EZ-Reload default facility.
    • You will be issued with a new activation code/collection slip number after 7 days.
    • Visit the EZ-Link website, provide your login details and apply for the EZ-Reload facility with an amount of your choice.

    If the EZ-Reload facility on your Citibank SMRT Card has not been activated, here are the steps to activate and change the default amount of S$30:

    • Call EZ-Link and terminate your S$30 default amount.
    • You will be issued with a new activation code/collection slip number after 7 days.
    • Visit the EZ-Link website, provide your login details and apply for the EZ-Reload facility with an amount of your choice.

    Note: The entire process may take up to 2 weeks to complete.

    Card protection schemes

    Both online and offline transactions made using your card are safe and secure, requiring your authentication in order to go through. Online transactions will require you to enter your card details, along with a secure PIN/Password known only to you. Offline transactions will also require you to enter your PIN at the merchant terminal in order for the transactions to go through. The card’s security framework also disallows cloning of the card or duplication of any sort.

    Citi offers you with three options in order to protect your card:

    • Alerts: Every time a transaction is made on a card, you will receive an SMS alert stating the details of the transaction.
    • OTP (One Time Password): In order to protect your card when shopping online, Citi requires you to enter an OTP to authorise the transaction.
    • EMV Chip: Citibank SMRT Card has the EMV chip that adds extra protection to this credit card.

    How to Reporting if your Citibank SMRT Credit Card is lost/stolen?

    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 number on +65 6225 5225 which is available 24/7.

    Citibank SMRT Platinum Visa Card FAQ's

    Is there an annual fee waiver for Citibank SMRT Platinum Visa Card?

    Yes, Citibank SMRT Platinum Visa Card’s annual fee of S$160.50 (inclusive of GST) is waived off for the first 2 years. Also, 2 supplementary cards’ annual fees ($85.60) is waived for the first two years.

    How can I redeem my rewards earned through Citibank SMRT Platinum Visa Card in Singapore?

    The points earned via the Citibank SMRT Platinum Visa Card are called SMRT$. You can redeem the SMRT$ either to get vouchers and/or rides online, or exchange them for cash rebates via SMS.

    Are there any rebates available for the use of Citibank SMRT Platinum Visa Card?

    Yes, the Citi Rebates programme gives you up to 10% Citi Rebate on top of your existing card benefits at over 300 locations worldwide. You can club them with your card rewards to earn some amazing discounts and rebates.

    Are there rewards programmes available for the Citibank SMRT Platinum Visa Card?

    As the Citibank SMRT Platinum Visa Card is a saving-cantered card instead of reward focused, you get less rewards than cards like Citibank Rewards Visa Credit Card. But that does not mean that you get no rewards. The promotions and programmes like Gourmet Pleasures, Citi Rebate, and Shopping Specials will give you ample rewards for your purchases.

    Can I apply for the Citibank SMRT Platinum Visa Card online?

    Yes, you can apply for the Citibank SMRT Platinum Visa Card online directly through the Citibank website, or through third party aggregators like BankBazaar. Some aggregators also offer additional signup deals as part of the offer.

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