# Citibank: Citi SMRT card: 4.7% bonus SMRT$ on Malaysian Ringgit spend

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: 4.7% (Cashback)
- When: 1 Sep – 28 Feb
- Status on 2026-11-12: live
- Category: Cards & Banks
- Conditions: Citi SMRT cardmembers; minimum S$500 qualifying retail spend in the statement month; bonus capped at SMRT$600 per 12-month card year.
- Promotion page: https://www.citibank.com.sg/credit-cards/cashback/smrt-credit-card#:~:text=Malaysian%20Ringgit%20spend
- Menu / poster (PDF): https://www.citibank.com.sg/pdf/credit-cards/cashback/smrt-credit-card/my-ringgit-spend-promo.pdf
- Where: Not stated

## Details

### Malaysian Ringgit spend bonus
- 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

### Good to know
- 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)

- Confidence: high
- Last updated: 2026-11-10T23:00:00+08:00
- Page: https://spill.sg/p/citibank-smrt-card-ringgit-spend-bonus-2025-09-01
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_From Spill. Source: citibank.com.sg. Terms can change._