Citi SMRT Extends 5% Cashback on MYR Spend
Originally ending on 28th February 2026, Citi SMRT is now offering its 5% cashback earn rate on Malaysian Ringgit (MYR) spend until 31st August 2026. This is, of course, alongside its usual categories of groceries, transportation, and online spend.
Forex fee applies
Citi SMRT does impose fee of 3.25% on foreign currency transactions, but the 5% cashback more than offsets this fee with some earnings to spare.
Review updated
There is a minimum spend of S$500 within a statement month to qualify for 5% cashback, and Citi SMRT is one of the remaining rare few cards that do not have a monthly cap for its bonus earn rate. Instead, it has an annual cap of S$600 cashback which is good for as much as S$12,000 spend, and you can use it all within a single month if you wish.
This makes the card uniquely great for large transactions (within its categories) and you can read the review here:
Huge promo right now
If you are reading this during the promo period (currently until 31st March 2026), there is also a huge sign-up reward now for new Citi cardholders where you can get S$450 cash or a choice of other gift options:
Citi SMRT
One of the few high-earn cards with no monthly cap! Gives 5% cashback on online transactions with annual spend cap of S$12,000. Read the review here.
🎁 Citi Promo
New cardholders can get welcome miles, points, or cashback with Citibank welcome offers:
| Card | Welcome Reward |
|---|---|
| Citi SMRT | S$300 cashback |
| Citi Cash Back Citi M1 | S$300 cashback |
| Citi PremierMiles | Up to 30,000 bonus miles |
| Citi Rewards | 40,000 ThankYou Points |
| Citi Cash Back+ | 8% cashback |
| Citi Prestige | Up to 162,500 Citi ThankYou Points |
See terms and conditions on landing page after tapping Citi Promo button. Not stackable with any other promos.
⚡️ SingSaver Promo
Apply as a new Citi cardholder by 31st August 2026 and fill up the SingSaver Rewards Redemption form with your choice of gift:
Not stackable with Citi Promo. Don’t like the gifts? You can choose to top up to get more gift options. Tap Promo 2 button and see landing page for more details.
⚠️ Important Notes
For SingSaver promo:
- Make sure to fill up the SingSaver Rewards Redemption Form or no gift will be given.
- Min. spend of S$500 required.
For reference only; refer to exact details in terms and conditions
Subscribe for more deals and updates!
If you’re someone who wants to earn more from credit cards, savings accounts and other financial deals, stay subscribed to the Telegram or WhatsApp so you can be notified of news and deals. Remember to unmute and turn on notifications or the updates may not reach you.
Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
Subscribe to the channel for free updates!
Disclaimer: I may receive an affiliate/referral fee when you sign up for services/products on this site, and such fees keep the site running. I would only recommend services/products I would personally use or recommend to my own friends and family, but I do not provide any warranty or guarantee for the quality of these services/products. Thank you for supporting my site!
Please exercise due diligence when signing up for any service/product as I will not be liable for any personal loss, financial or otherwise. Content published here are my sole views and personal opinion, and none of the information here constitutes personal financial advice nor represents the views of my employer(s).