Credit Card Compare

Citi SMRT Card

Data last updated 25 October 2026
27.90%
Purchase rate
S$0
Annual fee
300
Bonus points

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Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Cashback100
  • No annual fee59
  • Rewards25
  • Sign-up bonus15

Customer reviews

No reviews yet. Be the first to review the Citi SMRT Card.

Pros & cons

What's good

  • 300 bonus points to start, worth around S$0 at our 0.4c-per-point valuation.
  • No annual fee.
  • Earns cashback on eligible spending.

Worth noting

  • S$196.20 inclusive of 9% GST. First 2 years waived for basic and all supplementary cards (for Citibank, Citi Priority, Citi Plus customers). Citigold and Citigold Private Client enjoy perpetual/lifetime fee waiver.
  • The 27.9% p.a. purchase rate sits in the most expensive quarter of cards (the median is 27.85% p.a.) if you carry a balance.
  • Earns no rewards points on spending.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singapore
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
27.90% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
No annual fee
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 25 days on purchases
Minimum repayment
Greater of (a) 1% of current balance + 1% of outstanding unbilled instalment amounts + all interest charges + all upfront service fees + late payment charges, or (b) S$50; plus any overdue amounts. If current balance is less than S$50, minimum payment is the current balance.

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Cashback

Ongoing cashback
5% on eligible spend

5% savings (SMRT$) on groceries, online purchases, Malaysian Ringgit spend, and commute (taxi, ride hailing, public transport) when monthly spend is at least S$500; 0.3% on retail spend and all categories when spend is below S$500.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$0Tied for best (1st of 38 cards)
Interest-free days25 daysTied for best (1st of 27 cards)
Overseas fee3.25%Better than most (11th of 38 cards)
Purchase rate27.90%Middle of the market (20th of 38 cards)
Sign-up bonusS$1Among the weakest we track (10th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Citi