Last updated: 05-Oct-2025
Citi SMRT Card
The Citi SMRT Card simplifies daily savings with 5% cashback on groceries, transport, and online shopping essentials. Earn rewards automatically on SimplyGo rides and everyday purchases with just S$500 minimum monthly spend. Perfect for commuters and families focused on maximizing rebates on unavoidable daily expenses. Celebrating 20 years of partnership with SMRT, serving over 500,000 active cardholders.
| Annual Fee | S$196.20 (incl. 9% GST) |
|---|---|
| Annual Fee Waiver | Request after 2 years |
| Monthly Percentage Rate | 2.33% |
| Annual Percentage Rate | 27.90% |
| Minimum Monthly Payment | 1% or S$50, whichever higher |
| Foreign Currency Markup | 3.50% |
| Late Payment Charges | S$100 (incl. 9% GST) |
| Overlimit Charges | S$40 (incl. 9% GST) |
| Cash Advance Fee | 6% or S$15, whichever higher |
| Balance Transfer Fee | 2% processing fee |
| Fee For Supplementary Card | S$97.20 (incl. 9% GST) |
| Card Replacement Fee | S$25 (incl. 9% GST) |
| Fee For Duplicate Statement | S$10 per statement |
