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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 |
💳 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.
💡 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.
