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Citi SMRT

Cashback card by Citi · Some effort · Min S$500 a statement

Earns 5% on groceries and taxis / private-hire rides (S$500 statement-month minimum). Everything else in S$ earns 0.3%. Annual fee: S$196.20, 2 years free.

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Best rate5%Groceries and taxis / private-hire rides

Everything else0.3%in S$

Bonus capNo cap

Annual feeS$196.202 years free

Checked against Citi's own terms on 21 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Groceries and taxis / private-hire rides (S$500 statement-month minimum)	Any way of paying	5% needs S$500 spend
Online spend, not travel or wallet top-ups (S$500 minimum)	Pay online	5% needs S$500 spend
SimplyGo bus and train (S$500 minimum)	Any way of paying	5% needs S$500 spend
Everything else, in S$	Any way of paying	0.3%
Everything else, in a foreign currency	Any way of paying	0.3%

The bank's full earning rules

0.3% SMRT$ on Qualifying Retail Spend, no minimum.
A further 4.7% (5% total) on groceries (MCC 5411), qualifying online spend, SimplyGo (MCC 4111, 'BUS/MRT') and taxis (MCC 4121) when monthly (statement-month) Qualifying Retail Spend is at least S$500; below S$500 only 0.3%.
Maximum SMRT$600 in any 12-month period from card issue or renewal statement date.

Where the bonus applies

Groceries: MCC 5411
Online: any online-indicator spend except mobile wallet and travel MCCs 3000-3999, 4112, 4131, 4411, 4511, 4722, 4789, 5962, 7011, 7512
SimplyGo: MCC 4111 with description BUS/MRT
Taxis and private-hire: MCC 4121 (Grab and Gojek rides charged directly to the card)

Earns nothing on

Annual fees, interest, late charges, GST, cash advances, instalment and payment plans, balance transfers, quasi-cash, bank and third-party…
Payments to educational institutions, government (court, fines, bail, tax, postal, parking), insurers, financial institutions…
Top-ups or payments to payment service providers, prepaid cards and prepaid accounts
Transit-related transactions other than SimplyGo bus/MRT, and any MCC or merchant on Citi's exclusion list

Fees and limits

Annual feeS$196.20 incl. 9% GST; first 2 years waived (product page only).

Minimum incomeSGD 30,000 (Singaporeans/PRs); SGD 42,000 (foreigners). Product page only.

Overseas feeUp to 3.25% administrative fee on foreign-currency transactions; 1% on SGD transactions processed overseas (Citibank pricing guide, same for all Citi cards).

Rewards expirySMRT$ earned in each 12-month period expire 15 months after that period's start date; expired SMRT$ can't be carried over.

Turning rewards into miles or cash1 SMRT$ = S$1 in cash value. Minimum redemption SMRT$10, as vouchers (valid 3 months) or SMS cash rebates of S$10, S$50 or S$100.

Good to know

0.3% on all qualifying retail spend; 5% (0.3% + 4.7% bonus) on groceries (MCC 5411), qualifying online spend, SimplyGo and taxis/private-hire (MCC 4121) once qualifying retail spend reaches S$500 in the statement month.

Grab rides only count when charged directly to the card, not through a linked GrabPay wallet. Online spend excludes mobile wallet and travel-related MCCs.

Cardinko doesn't track the SMRT$600 limit in any 12-month period (it can't count a rolling year), so heavy spenders can hit it sooner than Cardinko shows. SMRT$ earned in each 12-month period expire 15 months after that period starts.

The 5% on Malaysian Ringgit spend (product page only, promotion valid till 28 Feb 2027) and the S$300 welcome bonus aren't counted.

Where these facts come from

Citi SMRT Rewards Programme T&Cswith effect from 16 Dec 2024 (updated Nov 2024)

Citi SMRT product pagepage only; no date shown; read 21 Oct 2026

Citibank Pricing Guideprinted Sep 2026

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Compare Citi SMRT with

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