Citi SMRT Card is running a limited-time promo for Malaysian Ringgit spending.
5% cashback on Malaysian Ringgit spending
From 1 Sep 2025 till 28 Feb 2026, Citi SMRT cardholders can receive 5% cashback on Malaysian Ringgit (MYR) spending when they spend at least S$500 on the card in a statement month (in any currency), subject to the same S$12,000 annual cap (card membership year).
Unfortunately, it appears that travel-related spending on MYR spending will not qualify, as suggested by clause 3 in the promo terms and conditions, which reads as follows:
“You will continue to be subject to the Citi SMRT$ Rewards Program Terms and Conditions.”
Even though travel-related MYR spending will not qualify, Citi SMRT cardholders can still enjoy 5% cashback on pretty much all other spending categories, as long as they do not fall under the general exclusions.
Be reminded that Citi credit cards charge a 3.25% foreign transaction junk fee. With this promo, you’d profit with about 1.75% on MYR spending, which makes it among the best credit cards for overseas use (in Malaysia), until the promo ends on 28 Feb 2026.
💳 Best Credit Cards with No Foreign Transaction Fees
Is Citi SMRT Card good?
I view the Citi SMRT Card as the second-best Citibank credit card in Singapore right now, mainly for its usefulness for big purchases made online. While other miles and cashback credit cards with high earn rates come with a monthly cap, this card has an annual cap instead.
Citi SMRT cardholders can receive 5% cashback on up to S$12,000 worth of spending per card membership year, and it can even be done in 1 transaction if you wish
The qualifying transactions to receive 5% cashback are:
- Online Spending (excluding travel-related transactions)
- Groceries
- Ride-Hailing (e.g. Grab, Taxi etc.)
- Public Transport
- NEW: Malaysian Ringgit Spending (till 28 Feb 2026 only)
Related: Best Credit Cards for Big Purchases
💡 Click on + Card Summary below to view key details like pros & cons, miles/cashback details, annual fee, income requirement, and more.
Citi SMRT
Get 5% cashback on online spending, groceries, transportation
Citi SMRT Card sign-up promo
From 1 September 2025 till 15 January 2026, new Citibank cardholders can receive S$400 cashback as welcome gift, after spending at least S$800 by the end of the third calendar month (e.g. sign up on 5 Sep 2025, spend S$800 by 30 Nov 2025).
This sign-up bonus is fulfilled by Citibank, and it’s the highest we’ve seen from the bank.
🎁 Compare the latest Citibank credit card sign-up promos
Promo 1: Fulfilled by Citibank
Reward
S$400 cashback
How to qualify?
✅ Be a new credit cardholder of the bank
✅ Apply by 15 Jan 2026
✅ Spend at least S$800 by the end of the 3rd calendar month after card approval date
Promo 2: Fulfilled by SingSaver
Reward (choose one)
• S$400 cash
• S$450 Grab vouchers
• Dyson Airwrap Origin (worth S$549)
• Apple iPad (A16) (worth S$438)
How to qualify?
✅ Be a new credit cardholder of the bank
✅ Apply by 30 Sep 2025
✅ Spend at least S$500 within 30 days after card approval date
✅ Submit rewards redemption form that you receive via email (from SingSaver)
You should know
• Get 5% cashback on online spending, groceries and transportation
• Annual fee: S$196.20 (automatically waived for the first 2 years, cancel within 2 years if you don’t like the card)
• Min. annual income:
— S$30,000 (Singaporean/PR)
— S$42,000 (Foreigner)
Promo terms and conditions
Here are the terms and conditions for this promotion:
my-ringgit-spend-promo