With this card, you’ll be able to save on your daily expenses. The highlights of this credit card are:
Best suited to : This card is a suitable option for those who want to save on their daily transactions.
|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%|
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.
This dining programme qualifies you to exclusive discounts, offers, and dining deals at many restaurants across Singapore.
With this card, you’ll enjoy different kinds of travel deals and online shopping offers with Zalora, Expedia, Shopee, and several other brands.
You can save up to 14% on your petrol bills at Esso and Shell fuel stations.
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.
For detailed terms and conditions, you can visit the bank’s official website.
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$300 and above|
|Coffee, fast food and movies||4.7%||5%|
|EZ-Reload transactions (Auto Top-up)||1.7%||2%|
|Health and beauty||1.7%||2%|
|All other spends||0.3%||0.3%|
The illustration given below helps you understand as to how you can earn SMRT$ 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%|
Redeeming your Earned Rewards
|Type of interest||Charge|
|Retail purchases||26.9% p.a.|
|Cash advance||26.9% p.a.|
|Instalment Payment Plan||0%|
|Type of charge||Charge|
|Overseas transaction fee||
|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|Cash advance fee||6% of the withdrawn amount or S$15 (whichever is higher)|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||
Before deciding to apply for this card, check if you meet the criteria for it here.
Yes, you need to activate your Citibank SMRT Card in order to use it overseas. It can be done in the following ways:
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:
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.
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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.
Use the Citi Phone Banking service to check the status of your card application.
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.
Pay your credit card bill in the following ways:
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.
The interest-free period or grace period on this credit card is 25 days from the date of the statement of account.
You can use your Citibank SMRT Card with the following mobile wallets:
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.
It can be done in 2 ways:
It can be done by calling the 24-hour CitiPhone self-service banking hotline.
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.
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.
You can temporarily increase your card’s credit limit by contacting the bank via their 24/7 Self-Service Phone Banking hotline.