Citi SMRT Card
S$500 monthly eligible spend unlocks 5% SMRT$ on groceries, qualifying online purchases, taxi / ride-hailing and SimplyGo tap-to-pay transport. Otherwise the 0.3% base rate applies.
Benefits & important limits
- S$500 monthly eligible spend unlocks 5% SMRT$ on groceries, qualifying online purchases, taxi / ride-hailing and SimplyGo tap-to-pay transport. Otherwise the 0.3% base rate applies.
- Earned SMRT$ are capped at S$600 per card membership year. Redeem in S$10 blocks; online mobile-wallet and travel-related purchases are excluded from the online bonus.
- The product page advertises 5% on eligible MYR spend under separate promotion terms. This is a rebate, not 0% FX: foreign-currency transaction fees remain payable.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First two years waived; S$196.20 annually thereafter.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Citi lists foreign applicants with a passport and valid work pass of at least six months’ validity, proof of address, latest payslip and Income Tax Notice of Assessment. Confirm your exact pass type with Citi.
Principal age: 21+
Application documents ↗Overseas & FX fees
Citi foreign-currency Visa / Mastercard purchases incur an administrative fee of up to 3.25%, on the network-converted SGD amount. Cashback and miles do not waive this fee.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.