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Citi Prestige vs DBS Vantage vs OCBC Voyage

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Citi Prestige Card

Citi Prestige Card

Apply Here - Direct Bank
Apply Here - Singsaver

Earn 1.3 miles per dollar on local spend and 2 miles per dollar on foreign currency spend

12 Priority Pass visits per calendar year

sign-up-deal
card-summary
Citi Prestige
DBS Vantage
OCBC Voyage
Annual Fee
S$545
S$599.50
S$498
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
Min. Transfer Amount
25,000 TY points (10,000 miles)
5,000 DBS Points (10,000 miles)
1 VOYAGE Mile (1 mile)
Transfer Partner
SIA, 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.

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lobangsis
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lobangsis

Audz, your lobang sis shares personal finance to achieve happiness, prosperity and progress for us all.

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CREDIT CARDS SIGN UP DEALS

APPLY NOW

HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 1, 2026

dbs yuu cardface

APPLY NOW - VISA

APPLY NOW - AMEX

DBS YUU

Get S$350 eCapitaVoucher or 25k HeyMax miles or Apple Watch SE Gen 3 40mm (GPS + Cell) or Samsonite STRAREN SPINNER 67/24 when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: February 1, 2026

APPLY NOW

Citi Rewards

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or Apple Watch SE Gen 3 40mm (GPS) or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: February 1, 2026

APPLY NOW

HSBC Live+

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 1, 2026

View all deals

Valid for new-to-bank credit cardholders or does not own any of the bank’s credit cards in the last 12 months, unless otherwise stated.

Gift confirmation are usually sent after you have completed rewards redemption form (sent to your email) & fulfilled qualifying spend within stipulated period.

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HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 1, 2026

APPLY NOW

dbs yuu cardface

DBS YUU

Get S$350 eCapitaVoucher or 25k HeyMax miles or Apple Watch SE Gen 3 40mm (GPS + Cell) or Samsonite STRAREN SPINNER 67/24 when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: February 1, 2026

APPLY NOW - VISA

APPLY NOW - AMEX

Citi Rewards

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or Apple Watch SE Gen 3 40mm (GPS) or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: February 1, 2026

APPLY NOW

HSBC Live+

Get Apple Watch SE Gen 3 40mm (GPS) or Dyson Airstrait™ straightener or 25k HeyMax Miles or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: February 1, 2026

APPLY NOW

Citi Prestige Card

Option 1: Direct Bank Promotion – Higher Qualifying Spend

    • Receive up to 142,500 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$2,000 in the first 2 months of card approval
    • Read Terms and Conditions here
    • Valid until 16 January 2026
    • Eligible for new main Citi Prestige Card members (if you hold other Citibank cards but have not held a Citi Prestige card over the last 12 months, you are considered new to Citi Prestige)

     

    Option 2: Singsaver – Lower Qualifying Spend

      • Get Staycation Package: 2D1N – Sofitel City Centre (worth S$608) or Apple Watch Series 11 (GPS), 42mm Aluminium Case (worth S$599) or Sony WH-1000XM6 Wireless Noise Cancelling Headphone (worth S$649) or S$480 Cash via PayNow upon activating and spending a min. S$500 within 30 days of card approval.
      • Valid from 06 – 15 January 2026
      • Promotion is valid for new to bank credit card holders
      • Read Terms and Conditions here
      • Must fulfill spending requirement to receive gift confirmation
      • Remember to check for SingSaver email to secure your rewards after you have applied!

        Citi Prestige Card

        • Earn up to 2 miles per dollar (5 Citi ThankYou Points) spend overseas and 1.3 miles per dollar (3.25 Citi ThankYou Points) locally. You can also access exclusive benefits such as 4th night complimentary night stay, 12 priority visits per calendar year, 6 complimentary golf games, and dining experiences. The earn rate is enhanced with bonus ThankYou Points when you hold a Citi bank account for a period of time.
        • Points has no cap and expiry

         

        Annual Fee
        • S$651.82 (Non-Waivable)

         

        Income Requirement
        • S$120,000 (locals/PRs & foreigners)

         

        Points Expiry
        • ThankYou points do not expire

         
        Transfer Partners
        • Singapore Airlines, Flying Blue, British Airways, Thai Royal Orchid, Etihad, Asia Miles, EVA Air, IHG, Qatar Airways, Turkish Airlines, Qantas

         

        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review

        amex krisflyer ascend cardface

        AMEX Krisflyer Ascend Card

        • Get up to 31,000 KrisFlyer Miles when you spend a minimum of S$1,000  and pay annual fee of S$397.85 within the first 2 months of card approval
          • 24,800 bonus miles
          • 5,000 miles (first-time Singapore Airlines Credit Card applicants only)
          • 1,200 miles from eligible spend
        • Only for new-to-bank card holders
        • Valid until 27 January 2026
        • Read Terms and Conditions here

        amex krisflyer ascend cardface

        AMEX Krisflyer Ascend Card

        • 1.2 miles per dollar on local and overseas spend
        • 2 miles per dollar on Singapore Airlines, Scoot, and KrisShop spend
        • 2 miles per dollar on Grab transactions, capped at S$200 per calendar month
        • No conversion fees
        • Get Accelerated to KrisFlyer Elite Gold Status
        • One Complimentary Night’s Stay at Hilton Hotel
        • Complimentary Travel Insurance
         
        Annual Fee
        • S$397.85
         
        Income Requirement
        • Not specified
         

        Terms and Conditions

        UOB Visa Signature Cardface

        UOB Visa Signature

        • Get GoPro Hero13 (worth S$590) when you successfully apply, and is among the first 135 eligible applicants and when you spend S$1,500 within the first 30 days from card approval
        • Remaining applicants will get S$60 Cash via PayNow 
        • BONUS: Get a chance to win an iPhone 17 (256GB) (worth S$1,299)
          • only 12 winners will be chosen
          • all applicants have a chance to the lucky draw
        • Valid for New-to-Bank Cardholders
        • Valid from 02 – 31 January 2026
        • Read Terms and Conditions here
        • Must fulfill spending requirement to receive gift confirmation
        • Remember to check for SingSaver email and complete the registration to secure your reward!
        UOB Visa Signature Cardface

        UOB Visa Signature

          • Earn 4 miles per dollar (10x UNI$ per S$5) on Overseas Spend with a minimum spend of S$1,000 in FCY per statement month
          • Earn 4 miles per dollar (10x UNI$ per S$5) on Petrol Spend and Contactless Transactions (including SimplyGo) with a minimum spend of S$1,000 in SGD per statement month
          • Spending Cap:
            • Until 1 August 2025 Statement:
              • Combined cap of S$2,000 per statement month
            • From 1 September 2025 Statement – Split into 2 categories:

              • Category 1 (Overseas Spends including Online): S$1,200 (UNI$2,400) per statement month

              • Category 2 (Petrol and Contactless Spends including SimplyGo): S$1,200 (UNI$2,400) per statement month

                Note: Categories 1 and 2’s cap are separate — you can meet just one or both.

           
          Annual Fee
          • S$218 first year waived

           

          Income Requirement
          • S$50,000 (locals/PRs); S$40,000 (foreigners)

           

          Points Expiry
          • UNI$ are valid for 2 years, starting from the end of the quarter in which they were earned.

           

          Terms and Conditions

          Read Full Review

          UOB PRVI Card

          FOR VISA CARD ONLY:

          • Get GoPro Hero13 (worth S$590) when you successfully apply, and is among the first 135 eligible applicants and when you spend S$1,500 within the first 30 days from card approval
          • Remaining applicants will get S$60 Cash via PayNow 
          • BONUS: Get a chance to win an iPhone 17 (256GB) (worth S$1,299)
            • only 12 winners will be chosen
            • all applicants have a chance to the lucky draw
          • Valid for New-to-Bank Cardholders
          • Valid from 02 – 31 January 2026
          • Read Terms and Conditions here
          • Must fulfill spending requirement to receive gift confirmation
          • Remember to check for SingSaver email and complete the registration to secure your reward!

          UOB PRVI Card

          • Earn 1.4 miles per dollar for local spending
          • Earn up to 3 miles per dollar for overseas spending (including online shopping and overseas websites)
            • 3 miles per dollar on selected currencies:
              • Malaysian Ringgit
              • Indonesian Rupiah
              • Thai Baht
              • Vietnamese Dong
            • 2.4 miles per dollar on other currencies
          • Earn up to 6.6 miles per dollar when you spend on major airlines and hotels worldwide via special landing pages UOB x Agoda and UOB x Expedia (this may be more costly)
          • One-way Airport Transfer Service for AMEX Version only
          • S$20 off Grab rides to/fro Changi Airport for Visa/Mastercard Version only

           

          Annual Fee
          • S$261.60, first year waived
           
          Income Requirement
          • S$30,000 (locals/PRs); S$40,000 (foreigners)
           
          Points Expiry
          • UNI$ expire two (2) years after the last day of the quarter in which they were earned.

           

          Know what this card is best for

           

          Terms and Conditions

          Read Full Review

          HSBC Revolution Card

          • Get Apple Watch SE Gen 3 40mm (GPS) (worth S$349) or Dyson Airstrait™ straightener (worth S$799) or 25,000 HeyMax Miles (worth S$450) or S$400 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
          • Valid from from 23 January – 01 February 2026
          • Available for New HSBC Cardholders
            • New cardholder is defined as customers with no existing principal HSBC credit card and who haven’t canceled one in the past 12 months.

           

          For Existing HSBC Cardholders:

          • Get S$50 cashback when you spend S$500 by the end of the following month
          • Valid until 01 February 2026
          • Available for Existing HSBC Cardholders
            • Existing Cardholder is defined as customers whose most recent principal HSBC Credit Card was issued more than 12 months ago and who haven’t canceled one in the past 12 months.
            • Eg. You already hold an HSBC TravelOne Card and you apply for HSBC Live+ Card, you are already an existing cardholder.
          • Read Terms and Conditions here
          • Must provide marketing consent to HSBC
          • This gift will be fulfilled directly by HSBC

          HSBC Revolution Card

          • Earn 4 miles per dollar on selected online and contactless spend categories, capped at S$1,500 per calendar month (until 28 February 2026)
          • The categories include:
            • Department Stores and Retail Stores
            • Dining (excluding hotel dining)
            • Transportation & Membership Clubs
            • Travel-Related 
          • You will only earn 0.4 miles per dollar on other categories outside of these online categories and if you spend above $1,000 per calendar month.
          • The rewards points conversion fee is waived indefinitely— transferring your points is completely free!
          • Note: Contactless payment, upsized cap of S$1,500, and travel-related category will only be available until 28 February 2026. 

           

          Special hack: 

          Even though you may not be able to use the card for flights or hotel bookings directly, you can actually use atome to make your bookings via agoda or trip.com and pay via atome platform. Atome’s MCC is 5999 which falls under 4 mile per dollar category. In addition, spreading your travel spending across 3 months instalments can help you keep within the S$1,000 spending cap. However, you will not be able to earn extra cashback on platforms like Shopback or Azgo.

          If you are new to Atome, you can sign up here to receive points that is equivalent to S$10 off your first transaction. 

           

          Annual Fee
          • None

           

          Income Requirement

          • The amount of  Total Relationship Balance—combined value of your deposits, investments, and insurance with HSBC, based on average monthly balance over the last 3 months— will determine the income requirement
            • Less than S$50,000 TRB 
              • Salaried (locals/PRs): S$65,000 
              • Self-Employed/Commission-based (locals/PRs): S$65,000
              • Foreigners: S$65,000
            • S$50,000 and above TRB
              • Salaried (locals/PRs): S$30,000 
              • Self-Employed/Commission-based (locals/PRs): S$40,000
              • Foreigners: S$65,000
                 

          Points Expiry
          • 37-month period, starting from the month after the month in which the points were acquired

           
          Transfer Partners
          • Japan Airlines, Air Canada Aeroplan, Fortune Wings Club, Qatar Airlines, Turkish Airlines, Mileage Plus, Krisflyer, Thai Royal Orchid Plus, Flying Blue, Air Asia, British Airways, Asia Miles, Etihad, EVA Air, Qantas, Vietnam Airlines

           

          Know what this card is best for:

           

          Terms and Conditions

          Read Full Review