• Min. Monthly Income


  • Interest Rate

    25% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Savings up to 5% on groceries, movies, online shopping and more!
  • Use as EZ-Link and enjoy auto top-up facilities with no convenience charge


  • Up to 5% savings from preferred partners, ie. FairPrice, Giant and Sheng Siong
  • 7.3% rebates at FairPrice Xtra - Kallang Wave


  • Up to 5% savings on movies


  • Up to 5% savings on coffee at participating cafes
  • Up to 5% savings at preferred dining partners


  • Rebates up to 5% with Popular Bookstores and Toys 'R' Us
  • Up to 2% savings at selected pharmacy and healthcare stores
  • Up to 3% savings on online shopping


  • Up to 2% savings on EZ-link auto top-up
  • 1% savings on phone bills, newspapers & insurance with selected merchants
  • 5% savings on service and conservancy charges with selected town councils

Other Features

  • EZ-link Auto Top-up
  • Paywave feature for purchases under $100
  • Get Citibank Balance Transfer with 0% interest rates for 6 months with 2.5% upfront fee.

Card Information

Annual Fee $160.5
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$85.60
Finance charges Up to 29% p.a.
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to available credit limit

Cash advance charge

6% of the amount withdrawn or S$15, whichever is higher.

Cash advance interest charge

Finance charges of 26% p.a. subject to compounding on the amount withdrawn

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

The EZ-Link Kind Of Credit Card

Earn SMRT$ and Citi Rebate when you spend with Citi SMRT Platinum Visa Card! This card can be used as EZ-Link Card. You will enjoy 2% cash back from SMRT$ if you subscribed to auto top-up service for your EZ-Link Card. In addition, you may also redeem SMRT$ for vouchers and rides.

You can now save more when you are doing groceries at any of the participating merchants. Earn up to 5% savings on groceries when you swipe your card at all FairPrice Supermarkets (all of FairPrice supermarket outlets including FairPrice, FairPrice Xtra and FairPrice Finest), Giant, and Sheng Siong. Moreover, you may earn up to 5% savings on coffee like Starbucks Coffee, The Coffee Bean & Tea Leaf, Coffee Club, Dome Café, The Connoisseur Concerto and Gloria Jean's Coffees. Furthermore, you may also enjoy up to 5% savings on toys and books like POPULAR Bookstores and Toys 'R' Us. Appreciate and love yourself even more with great promotions on health and beauty from Watson's Your Personal Store, Guardian Health & Beauty, Watson's, Healthcare, GNC, and Nature's Farm.

Fees and Charges

To renew principal card, you will need to pay S$160.50 annually; to renew supplementary card, you will need to pay S85.60 annually. You will enjoy annual fee waiver for your principal card and first 2 supplementary cards in the first 2 years. There are 3 tiers for interest charges, with a minimum interest charge of S$3. You are entitled for the lowest interest rate at 20% per annum if you could make prompt payment, or settle at least 50% of your outstanding balances for 12 consecutive months. If you missed making prompt payment for once or twice within the 12 consecutive months, your will be charged for 26% per annum on your outstanding balances. If you did not settle more than 50% of your outstanding balances or missed making payment for more than 2 months, you will be charged on the highest tier of interest rate, which is 29% per annum. Minimum monthly payment is computed as 1% of current balance+ 1% outstanding balance, or $25, whichever is higher. Besides, you will be penalised on late payment for S$60. If you withdraw cash from your card, you will be charged for 6% of amount withdrawn, or S$15, whichever is higher.

Are You Eligible For Citi SMRT Platinum Visa Card?

You will be qualified for applying Citi SMRT Platinum Visa Card if your income is equal to, or more than S$2,500 (for Singaporeans and Singapore permanent residents), or S$3,500 (for foreigners). The minimum age for principal card applicants is 21 years old and above; supplementary card applicants is 18 years old and above.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi DIVIDEND Card and UOB Delight Credit Card, which may match your requirements. If you prefer to broaden your credit card search, see more Citibank credit cards and start comparing today!