three cards

Citi Prestige vs DBS Vantage vs OCBC Voyage

Facebook-f Telegram-plane Whatsapp

Citi Prestige Card

Apply Here - Singsaver
Apply Here - Direct Bank

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.

Purchases made through links in this article may generate an affiliate commission that helps keep this site running. Found this post useful? Subscribe to our Telegram Channel for more updates!

lobangsis

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

You may have missed…

hsbc revolution cardface with beach in a suitcase background
Strategies
HSBC Revolution’s Limited-Time Bonus: 4 mpd on Travel & Contactless Spend (1 Jul – 31 Oct 2025)
July 1, 2025
uob lady savings account banner + calculator
Bank Accounts
Should You Put Money in UOB Lady's Savings Account? Use This Calculator to Find Out
July 1, 2025

Leave a Reply

Your email address will not be published. Required fields are marked *

CREDIT CARDS SIGN UP DEALS

APPLY NOW

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrapâ„¢ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

Citi Rewards

Get Dyson Airwrap Origin or S$450 Shopee Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: July 6, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrapâ„¢ Origin or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: July 6, 2025

APPLY NOW

Maybank Family & Friends

Get Samsonite ENOW SPINNER 69/25 EXP or S$200 cashback when spend S$1,300 within the first two months of card approval. Or, apply for CreditAble and spend S$1,200 within first two months of card approval.

Valid till: May 1, 2025

APPLY NOW

SC Simply Cash

Get S$360 Cash via PayNow when you spend a minimum of S$800 within 30 days of card approval

Valid till: July 31, 2025

APPLY NOW

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.

Subscribe to telegram
Menu
Copyright @lobangsis @ijusttrylah 2025

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 31 July 2025
    • 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 2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645) or 10x Yunomori Onsen & Spa Vouchers (worth S$580) or Apple AirPods Max (worth S$749) or LOJEL Cubo Large (worth S$640) upon activating and spending a min. S$500 within 30 days of card approval.
      • Valid from 01 July to 06 July 2025
      • 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

        HSBC Revolution Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Dyson Airwrapâ„¢ Origin (worth $549) or S$390 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent
        • Valid from from 01 July to 06 July 2025
        • 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 31 August 2025
        • 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
        • The categories include:
          • Department Stores and Retail Stores
          • Dining (excluding hotel dining)
          • Transportation & Membership Clubs
          • Travel-Related (until 31 October 2025 only)
        • 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 31 October 2025. 

         

        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
        • S$30,000 (locals/PRs); S$40,000 (foreigners)

         

        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

        UOB Lady’s Card

        NIL

        UOB Lady’s Card

          • Earn 4 miles per dollar (10x UNI$ for every S$5 spent) on your preferred category
          • Earn 0.4 miles per dollar (1x UNI$ per S$5 spent) base earn rate
          • No minimum monthly spending required
          • Spending Cap:
            • Classic Card: S$1,000
            • Solitaire & Above Card: S$2,000 (wef 1 August 2025, this will be revised to S$1,500. Also, there will be a S$750 spending cap per category)

          Depending on what your planned usage is, you can change the categories every quarter. 

           

          Annual Fee
          • S$196.20 (incl. GST), waived for first year

           

          Income Requirement
          • S$30,000 (locals/PRs); S$40,000 (foreigners)

           

          Points Expiry
          • They expire 2 years after the final day of each periodic quarter in which they were earned
           
          Know what this cards is best for

           

          Terms and Conditions

          Read Full Review