Citibank SMRT is really good for low spenders like me (I hate the minimum spend game) although it is a little complicated and only worth using at the specific stores. I’ve been averaging 3.5% cash back despite spending only $250-350 each month. If you are a bigger spender, there are better cards.
Recently they made it easier to redeem the SMRT$ just send an SMS and the credit appears on your next statement.
Maximum 600 SMRT$ per year cap
Spend > $300/mo for the extra +0.3%
4.7-5%
• Cathay, Filmgarde, GV, Shaw
• BK, KFC, McD, Pizza Hut, Subway**
• Starbucks*, Coffee Bean, Gloria Jean's
• Popular Bookstores
* plus 10% rebate on spend over $10
** plus 5% rebate on spend over $10
2.7-3% or 4.7-5% for transactions over $50
• NTUC FairPrice, Giant, Sheng Siong*
* plus 1-2% rebate on spend over $20-50
2.7-3%
• Online purchases except travel
1.7-2%
• Guardian, Watson’s, Unity
• SMRT w/$50 auto top-up (no fees)