• Min. Monthly Income


  • Interest Rate

    26.9% 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 (Cathay Cineplexes, Filmgarde, Golden Village & Shaw Theatres)
  • Buy 4 movie tickets for the price of 3 with Visa Checkout at Golden Village


  • 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 5% savings on coffee at participating cafes
  • Up to 5% savings at preferred fast food chain partners


  • 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 $100.
  • Redeem SMRT$ to get cash rebates via online transaction or SMS
  • Get $120 Cash Back with minimum purchase of $200 monthly

Card Information

Annual Fee $192.60
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$96.30 (First year annual fee waived)
Finance charges 26.9% p.a. - prevailing interest rate

20.9% p.a. - promotional rate provided that account is in good conduct

29.9% p.a – in the event of past due in the current month

S$3 - if outstanding balance is below S$3

Up to 3.0% - Foreign Currency Transaction fee

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6% of the amount withdrawn or S$15, whichever is higher.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Finance charges of 26.90% p.a. subject to compounding on the amount withdrawn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 with Citi SMRT Platinum Visa Card! This card can be used as EZ-Link Card. Enjoy 2% cash back from SMRT$ if you subscribe to auto top-up service for your EZ-Link Card. In addition, cardholder may also redeem SMRT$ for vouchers and rides.

Enjoy up to 5% savings on groceries at all FairPrice Supermarkets (all of FairPrice supermarket outlets including FairPrice, FairPrice Xtra and FairPrice Finest), Giant, and Sheng Siong. Moreover, cardholder will receive 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, cardholder 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

Annual fee for principal card is S$160.50. While supplementary card, the annual fee is S$85.60. Cardholder will enjoy annual fee waiver for both cards for the first 2 years. There are 3 tiers for interest charges, with a minimum interest charge of S$3. Cardholder are entitled for the lowest interest rate at 20% per annum if you could make prompt payment, or settle at least 50% of outstanding balances for 12 consecutive months. If you did not settle more than 50% of outstanding balances or missed making payment for more than 2 months, cardholder 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 and 1% outstanding balance, or $50, whichever is higher. Besides, cardholder will be penalised on late payment for S$100.

Are You Eligible For Citi SMRT Platinum Visa Card?

To apply for Citi SMRT Platinum Visa Card, monthly income must at least S$2,500 (for Singaporeans and Singapore permanent residents); S$3,500 (for foreigners). Minimum age for principal and supplementary card applicants is age 21 and above, and age 18 and above, respectively.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as Citi Cash Back 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!