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    Citibank SMRT Platinum Visa credit card

    Citibank SMRT Platinum Visa credit card is one among the many credit cards offered by Citibank. It is a cashback credit card that offers discounts and cashback on everyday spends. The card is a must for those who commute on SMRT everyday. This credit card also serves as an EZ link credit card.

    Citi SMRT Credit Card Reviews

    Citibank has several cashback cards, and the Citi SMRT Credit Card is definitely a good card to have in your wallet when you’re a moderate spender.

    The cashbacks aren’t any less attractive either. You get 7.3% cash rebate at FairPrice Xtra Kallang Wave, 5% cashback on grocery purchases from FairPrice, Giant and Sheng Siong, 5% on fast food outlets, cinema theatres and cafes, and 3% on online shopping. You have to spend at least S$50 in a transaction to get the 5% cashback, though. For purchases lower than S$50, you’ll get only 3% cash rebate. All other transactions made through the card will earn you 0.3% cashback. The cashback is credited in the form of SMRT$ and can be used for vouchers or SMRT rides as well, making the Citi SMRT a multipurpose co-branded card.

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

    Citibank SMRT Platinum Visa Card Promotions

    • Golden Village: Pay through Visa Checkout online and get 1 film ticket free on buying 3 tickets at Golden Village during the weekends (Fridays to Sundays). You can’t make group reservations or buy Gold Class or other premium tickets under this offer, though. The offer is valid up to 31 October 2017.
    • Kallang Wave Mall: Up to 31 October 2017, the first 100 customers who spend at least S$50 at Kallang Wave Mall will get a cashback of S$2. You can also get a free ride when you redeem the cashback.
    • Shopback: Shopback offers up to 37% cashback 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 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

    Citibank Singapore has some great offers for new customers who apply for Citibank SMRT Platinum Visa credit card. The card offers a cashback of up to S$120 for new applicants. The applicant has to spend at least S$200 on the card every month to avail the cashback which is awarded in denominations of S$20. The offer is valid till 30 June 2018.

    Features of Citibank SMRT Platinum Visa credit card

    Listed below are the features of Citibank SMRT Platinum Visa credit card:

    • Cashback card: This cashback card offers rebates on daily essentials such as groceries, dining, coffee, books, movies, online purchases, health & beauty and recurring bills.
    • Annual fee waiver: You don’t have to pay annual fee for this card for the first 2 years for the primary as well as two supplementary cards.
    • Supplementary cards: You can get supplementary cards for your family and earn cashback for their spends as well. You can also assign credit limits to the supplementary cards.
    • Contactless payments: You can use your credit card to make contactless payments via Visa PayWave.
    • Pay your bills with ease: You can pay your monthly credit card bills with absolute ease. You can either make payments through the Citibank mobile application or through internet banking.
    • 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 Credit Card to make cash withdrawals from ATMs. Interest charges on cash withdrawals is levied on a daily basis. A cash advance fee, which is usually about 5-6% of the transacted amount, is also applicable.

    Rewards on Citi SMRT Credit Card

    The card comes with great benefits and rewards. Given below are the rewards of Citibank SMRT Platinum Visa credit card in different categories:

    • The Citibank SMRT Card lets you earn up to 7.3% in SMRT$ rebates on your daily spends. The rebates can be earned at participating merchants in Singapore.
    • The card allows you to enjoy savings of up to 5% on your grocery purchases at Sheng Siong, Giant, and FairPrice. At FairPrice Kallang Wave, you can enjoy savings of up to 7.3% with the Citibank SMRT Credit Card.
    • The card lets you enjoy savings of up to 5% on movies, fast food and cafes in Singapore.
    • Toys and books bought from POPULAR Bookstores and Toys“R”Us earn you up to 5% cash rebates.
    • You can enjoy savings of up to 5% on town council payments, 3% on online shopping, and 2% on EZ-Reloads.
    • In addition, there is 1% rebate on recurring M1, StarHub and SingTel bills, 1% on insurance premium payments to ACE Insurance and Prudential, and 1% on subscriptions of any Singapore Press Holdings newspapers.
    • Get cashback of up to 15% at Esso stations across Singapore and 14% savings at Shell stations across Singapore with your Citibank SMRT Credit Card.
    • All other purchases will earn you 0.3% cash rebates.
    • The rebates are credited in the form of SMRT$. A maximum of 600 SMRT$ can be accumulated in a span of 12 months. This used to be 280 SMRT$ until 7 February 2017. You can redeem 1 SMRT$ for S$1 worth of vouchers in various categories such as grocery, retail, family entertainment and taxi rides. The participating outlets include Giant, Sheng Siong, SMRT Corporation, Watsons, Popular Bookstores and Shaw Theatres.

    You need to make a minimum purchase of S$50 with your credit card for 5% rebate on grocery, and a minimum of S$30 for 2% rebate on EZ-Reload. If you spend less than that, you will get only 3% SMRT$ for grocery rebates. So, you get 4.7% SMRT$ for transactions of at least S$50, and 2.7% SMRT$ is given if a bill is less than S$50. EZ-Reload transactions of over S$30 gets 1.7% SMRT$ and for lower amounts, 0.7% SMRT$ is given. And if your total spending in a month is at least S$300, you get additional 0.3% SMRT$.

    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% rebate on non-categorised transactions only if you spend more than S$300 per month.

    Benefits of Citibank SMRT Platinum Visa credit card

    With the Citibank SMRT Platinum Visa credit card, you will have access to Citibank’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.

    Fee and charges

    Type of fee Amount payable
    Primary card annual fee S$160.50 p.a. (Annual fee waived for 2 years)
    Supplementary card fee S$85.60 p.a.
    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

    Transactions in foreign currencies

    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 2.8% of the transacted amount will be levied 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 the card association.

    Cash withdrawals

    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 Platinum Visa credit card

    You can now apply for the Citibank SMRT Platinum Visa 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 can provide your personal and income details, and upload your documents online.

    Eligibility criteria for Citibank SMRT Platinum Visa credit card

    • Minimum age: 21 years age
    • Minimum income:
      • Singaporeans & permanent residents: S$30,000 p.a.
      • Foreigners: S$42,000 p.a.

    Documents required

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

    • Salaried individuals:
      • Copy of NRIC, latest computerised payslips, Income Tax Notice of Assessment.
    • Self-employed individuals:
      • Bank statement (last 3 months), Copy of NRIC, CPF contribution history for the last 1 year, Notice of Income Tax Assessment.
    • Individuals with varied income:
      • Copy of NRIC, Income Tax Notice of Assessment, Bank statement (last 3 months)
    • Foreigners:
      • Copy of Passport, Employment Letter, latest computerised payslips, Employment Pass.

    Interest on the Citibank SMRT Credit Card Card

    The annual rate of interest on transactions is 26% 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. as interest. The normal interest rate will be reinstated only once you start making regular payments. The bank may also offer you a low interest rate of 20% p.a. if you have a great repayment history and impeccable credit behaviour.

    Repayments

    You will need to make a minimum monthly payment of 3% of your outstanding monthly balance through the mobile app or through internet banking. The payment has to be made by the due date in order to avoid any late payment charges. Any purchase converted to monthly instalment payments will also form part of the minimum payment.

    Card protection schemes

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

    Citibank offers cardholders with three options in order to protect their card:

    • Alerts: Every time a transaction is made on your card, you will receive an SMS alert stating the details of the transaction.
    • OTP: In order to protect your card when shopping online, Citibank requires the cardholder to enter a one time password to authorise the transaction.
    • EMV Chip: Citibank SMRT Platinum Visa credit card has the EMV chip that adds extra protection to your credit card.

    Reporting lost/stolen credit cards

    If you’ve lost your credit card or your card has been stolen, you will need to immediately inform the bank about it. The bank will ask for your card details and identity details to verify your identity. You will also need to provide details of recently performed transactions on your card, following which your credit card will be blocked, precluding further transactions. Citibank will investigate if you’ve acted fraudulently or in gross negligence, especially if unauthorised transactions have taken place on the card before the bank has been informed. The maximum liability in case of lost/stolen cards is S$100.

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