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  "url": "https://spill.sg/p/citibank-smrt-card-ringgit-spend-bonus-2025-09-01",
  "brand": "Citibank",
  "title": "Citi SMRT card: 4.7% bonus SMRT$ on Malaysian Ringgit spend",
  "summary": "Citi SMRT cardmembers get 4.7% bonus SMRT$ on purchases made in Malaysian Ringgit (5% savings in total) when they spend at least S$500 in the statement month, until 28 Feb 2027.",
  "deal_type": "cashback",
  "badge": "4.7%",
  "price_sgd": null,
  "original_price_sgd": null,
  "start_date": "2025-09-01",
  "end_date": "2027-02-28",
  "time_note": null,
  "conditions": "Citi SMRT cardmembers; minimum S$500 qualifying retail spend in the statement month; bonus capped at SMRT$600 per 12-month card year.",
  "details": [
    {
      "heading": "Malaysian Ringgit spend bonus",
      "lines": [
        "4.7% bonus SMRT$ on qualifying retail purchases charged in Malaysian Ringgit",
        "Shown on the card page as 5% savings on Malaysian Ringgit spend",
        "Needs at least S$500 qualifying retail spend on the card in the statement month"
      ]
    },
    {
      "heading": "Good to know",
      "lines": [
        "Promotion Period 1 Sep 2025 to 28 Feb 2027",
        "Bonus SMRT$ capped at SMRT$600 in any 12-month period from card issue or renewal",
        "Payments converted to SGD at the terminal (dynamic currency conversion) do not count",
        "Excluded: bill payments, insurance, education, government, transit, wallet top-ups, gambling and other excluded merchant categories",
        "Bonus from supplementary cards goes to the main cardmember's account",
        "T&Cs: Citi SMRT Card Malaysian Ringgit Spend Promotion (PDF)"
      ]
    }
  ],
  "promo_url": "https://www.citibank.com.sg/credit-cards/cashback/smrt-credit-card#:~:text=Malaysian%20Ringgit%20spend",
  "booking_url": "https://www.citibank.com.sg/credit-cards/cashback/smrt-credit-card#:~:text=Malaysian%20Ringgit%20spend",
  "pdf_url": "https://www.citibank.com.sg/pdf/credit-cards/cashback/smrt-credit-card/my-ringgit-spend-promo.pdf",
  "promo_code": null,
  "coupons": [],
  "eligibility": [],
  "category": "finance",
  "status": "live",
  "all_outlets": false,
  "outlets": [],
  "hours_today": null,
  "posted_at": "2025-08-31T16:00:00.000Z",
  "source_url": "https://www.citibank.com.sg/credit-cards/cashback/smrt-credit-card",
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  "original_url": "https://www.citibank.com.sg/credit-cards/cashback/smrt-credit-card",
  "original_type": null,
  "original_text": null,
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  "sponsored": false,
  "verified_by_brand": false,
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