Watch Tiktok Video HERE
In conclusion, Citi Prestige is the clear winner.
| Citi Prestige | DBS Vantage | OCBC Voyage | |
|---|---|---|---|
| Apply Here | Apply Here | Apply Here | |
| Annual fee | S$545 | S$599.50 | S$498.00 |
| Points validity | No Expiry | 3 years | No expiry |
| Local Earn Rate | 1.3 mpd | 1.5 mpd | 1.3 mpd |
| Overseas Earn Rate | 2.0 mpd | 2.2 mpd | 2.2 mpd |
| Special Earn Rate | 6 mpd on Expedia (till 31 March 2024) (same as DBS Altitude but DBS altitude is better because it includes 10mpd on Kaligo) | N/A | |
| Transactions Rounding | every $1 | every S$1.34, if spending in SGD S$0.91, if spending in FCY | rounded down to the nearest S$5 |
| Free Lounge Passes | Unlimited with a free guest | 10 (can be shared with guests) | Unlimited lounge access for principal and supp. cardholders |
| Complimentary hotel stay | 4th Night Free benefit but a lot of restrictions | complimentary Accor Plus Explorer membership with one complimentary hotel night each year. | None |
| Airport Limousine Rides | Get 2 free limo rides per quarter when you spend S$12K per quarter for 2 rides | None | Get 2 free limo rides per quarter when you spend S$12K per quarter. |
| Others | 6 complimentary golf games | ||
| Sign up bonuses | Welcome gift of up to 177,500 Citi ThankYou Points (71,000 Miles) | Receive up to 60,000 miles when you spend at least S$4,000 within 30 days of card approval plus annual fee payment | Apple Homepod Mini |
| Min transfer amount | 25,000 TY points (10,000 miles) | 5,000 DBS Points (10,000 miles) | 1 VOYAGE Mile (1 mile) |
| Transfer partner | BA Cathay Pacific Etihad EVA Air Flying Blue Qantas Qatar THAI Turkish IHG | SIA Cathay Pacific Qantas Air Asia | Singapore Airlines only |
| Transfer fee | S$27.25 | S$27.25 | S$26.75 |
| Points pool | No | Yes to combine points and transfer at one shot with one transfer fee | No |
| Can pair with: | City PayAll | Cardup | Cardup |
š³ Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
š” We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
