Citi SMRT Card Promo: 5% Cashback on Malaysian Ringgit Spend

Citi SMRT Card is running a limited-time promo for Malaysian Ringgit spending.

5% cashback on Malaysian Ringgit spending

From 1 Sep 2025 to 28 Feb 2026 (extended till 31 Aug 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 cap of S$12,000 per card membership year.

Unfortunately, it appears that travel-related spending (e.g. hotels) on MYR spending will not qualify, as suggested by clause 3 in the promo terms and conditions, which reads as follows:

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 31 Aug 2026.

💳 Best Credit Cards with No Foreign Transaction Fees

Is the Citi SMRT Card good?

I view the Citi SMRT Card as the best Citibank cashback credit card in Singapore right now, mainly for its usefulness for big purchases made online (including for buying miles/points).

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; 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 31 Aug 2026 only)

Related: Best Credit Cards for Big Purchases

Here are the key features of the Citi SMRT Card:

Citi SMRT Card

Get 5% cashback on online spending, groceries, ride-hailing and public transport with generous annual limit

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More information

Key details of the Citi SMRT Card

Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$30,000
• Foreigner: S$42,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

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 Get 5% cashback on online spending, groceries, ride-hailing and public transport, up to S$12,000 per card membership year
 Great for big online purchases (e.g. tech gadgets, appliances, buying miles/points)

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⚠️ Minimum card spend of S$500 per statement month required for bonus cashback
⚠️ 0.3% cashback on non-bonus spending
⚠️ Travel-related spending (e.g. flights, hotels) excluded from bonus cashback
⚠️ 3.25% foreign transaction fee

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📄 Quick review

More information on the

Citi SMRT Card

Suitesmile rating:

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✍️ Short summary
This card gives you 5% cashback on Online (except travel-related), Groceries, Ride-hailing and Public Transport spending upon meeting the minimum spend of S$500 per statement month.

Cashback is capped at S$600 per card membership year. This annual limit gives you the opportunity to get 5% cashback on S$12,000 worth of eligible spending, making this card fantastic for large purchases!

Get just 0.3% cashback for all other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$42,000/year

🤑 Foreign currency fee
3.25%

❓How cashback is credited
Cash rebates are credited in the form of SMRT$. Cardholders are required to redeem them via SMS (min. S$10).

📜 Terms & conditions

🎁 Sign-up promo

Promo terms and conditions

Here are the terms and conditions for this Citi SMRT Card promotion: