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Review & Rating Citibank SMRT Card 2024
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Citibank SMRT Card is a great deal if you want to shop and save at the same time. These savings are set aside in the form of SMRT$ which can be exchanged for cash rebate or vouchers. It also offers NO CONVENIENCE FEE for EZ-Relaod Auto Top-up transactions.
Citibank Singapore
Citibank Singapore Limited is a branch bank of Citibank, N.A. headquartered in New York, U.S.A. and was present in Indonesia in 1918 through its previous company, The International Banking Corporation in Batavia and Surabaya. In 1989 Citibank started its credit card business in Indonesia. Citibank is one of the pioneers of the credit card business in Indonesia by always presenting quality products and making innovations for the satisfaction of its customers. This privilege then continued in the following years by introducing various other banking services online. Until now, Citibank Bank has issued a variety of banking service products, including credit card products that offer various facilities and ease of transactions for its users, as well as various attractive promo offers.
This is one of those rare online shopping cashback cards with no minimum spend
This is one of those rare online shopping cashback cards with no minimum spend. However, you shouldn’t use this card for online travel bookings as it’s excluded from the online category. Also, when buying movie tickets or fast food online, your spending could come under online shopping rather than their original spend categories, for which you will earn 2.7% for a total spend below $300 or 3% for a total spend above $300. If monthly spending is at least $300, you enjoy up to 3% savings on online shopping 2.7% + 0.3% that is if monthly card spend is at least $300.
Citibank SMRT Card / Citibank Singapore
The main drawback with this card is that it doesn’t reward for more extravagant expenses in life
That’s where the Citibank SMRT Card stands out from the pack as this is a card for average Singaporeans who are not interested in cultivating a lifestyle to impress their peers, and also for young and budget-conscious families it also works as an all-purpose cashback credit card. The main drawback is that it doesn’t really reward you for some of the more extravagant expenses in life. For instance, air tickets and hotel stays are quietly excluded from their cashback offer for online shopping, as are all restaurant dining and entertainment.
Citibank SMRT Card / Citibank Singapore
The card automatically comes with EZ-Reload enabled on it
When you get the card, it will automatically have EZ-Reload enabled on it. There’s no convenience fee for EZ-Reload auto top-up transactions, and you can get up to 1.7% or 2% (if you hit the min. spend of $300) in rebates. It used to be that one can exchange the SMRT$ (rebate) for vouchers to top up the EZ-Link card, but they stopped that. Now can only can use it to exchange other kind of vouchers like Giant and Popular.
Citibank SMRT Card / Citibank Singapore
The card allows for the exchanging of the rebate for cash rebate
Lately I noticed that the card allows for the exchanging of the rebate for cash rebate. This to me is the actual crowd pleaser as compared to exchanging for vouchers at shops that I don’t want to shop at in the first place. The cash rebate has to be done via SMS anyway and you can glance their product page for the exact details.
Citibank SMRT Card / Citibank Singapore