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Citi Prestige vs DBS Vantage vs OCBC Voyage

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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.

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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

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Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or S$430 Grab Voucher or Xiaomi Robot Vacuum X20 Pro or S$360 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: August 31, 2025

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HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson OnTrac headphones or S$480 Grab Vouchers or S$450 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: August 31, 2025

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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, 2026

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UOB PRVI

Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 within 30 days from approval

Valid till: August 31, 2025

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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Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or S$430 Grab Voucher or Xiaomi Robot Vacuum X20 Pro or S$360 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: August 31, 2025

APPLY NOW

HSBC Live+

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson OnTrac headphones or S$480 Grab Vouchers or S$450 Cash via PayNow when you spend S$500 by the end of the following calendar month + provide marketing consent

Valid till: August 31, 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, 2026

APPLY NOW

FILL OUT GOOGLE FORM

UOB PRVI

Get S$60 Cash via PayNow or S$70 Grab Vouchers when you spend S$500 within 30 days from approval

Valid till: August 31, 2025

APPLY NOW - Visa

APPLY NOW - Mastercard

APPLY NOW - AMEX

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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 2D1N Banyan Tree – Mandai Rainforest Resort Staycation (worth S$645)  or 10x Natureland Vouchers (worth S$500) or Apple AirPods Max (worth S$749) or Sony Camera (ZV-1F) (worth S$769) upon activating and spending a min. S$500 within 30 days of card approval.
      • Valid from 11 August to 31 August 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