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:
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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.
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