20/08/2024
14h36
Citi SMRT Visa

The Citi SMRT Visa is the perfect card for those who seek both savings and convenience. In this article, we’ll guide you through the application process and highlight the key features of the Citi SMRT Visa.

Who can apply for the Citi SMRT Visa?

✅ Must be at least 21 years old.
✅ Minimum annual income of S$30,000 for citizens/PRs, or S$42,000 for foreigners.
✅ Valid identification (NRIC or passport).
✅ Proof of income (latest payslip or income tax statement).
✅ Recent proof of address (utility bill or bank statement).

Approval is subject to meeting these requirements, and the bank may request additional documents if needed.

Ready to apply? Here’s how to get started

Applying for the Citi SMRT Visa is straightforward. Start by visiting the Citibank Singapore website and completing the easy online form. Make sure to have all necessary documents ready.

Once you submit, Citibank will review your application based on their criteria. If approved, your Citi SMRT Visa will be on its way. If your application is declined, don’t worry—you can reapply after the suggested waiting period. Be sure to check your notifications for updates on your application status.

Paying your Citi SMRT Visa bill made simple

Managing your Citi SMRT Visa bill is hassle-free. You can pay online via internet banking, set up automatic payments, or pay in person at bank branches.

To avoid interest charges, it’s best to pay your balance in full before the due date, typically 25 days after your statement is issued. While the minimum payment option is available, it’s important to note that interest will be charged on any remaining balance.

Fees and charges

The Citi SMRT Visa comes with an annual fee of S$196.20 (inclusive of GST), waived for the first two years. The interest rate on revolving balances is 26.9% per annum, applicable to any unpaid balance after the due date.

Cash advances are subject to a fee of 6% of the amount withdrawn or S$15, whichever is higher. Late payment fees may also apply, depending on your outstanding balance.

A smart choice for everyday savings

The Citi SMRT Visa is a great option if you’re looking to save on daily expenses while enjoying financial flexibility. With benefits like 5% savings on groceries, public transport, and online shopping, along with features like Citi PayLite and Citi FlexiBill, it provides real value for your everyday needs.

However, be mindful of the associated fees, such as the annual fee and interest on unpaid balances, to ensure you’re getting the most out of your card.

Start saving today with the Citi SMRT Visa

Don’t miss out on the perks of the Citi SMRT Visa. Click the button below to learn how to apply and start enjoying all these benefits today!