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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.

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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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Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

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DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

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Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

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Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 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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Maybank Family & Friends

Get Samsonite Interlace Spinner 67/24 when you spend S$1,300 for the first two months of card approval. Or, apply for CreditAble and spend S$1,200 for the first two months of card approval.

Valid till: May 1, 2026

APPLY NOW

FILL OUT GOOGLE FORM

DBS YUU

Receive S$300 cashback + S$80 Esso Fuel Voucher (promo code: YUU380) when you spend S$800 within 60 days of card approval

Valid till: October 31, 2025

APPLY NOW - VISA

APPLY NOW - AMEX

maybank xl cardface

Maybank XL

Get S$60 cashback when you make one transaction (first 2,000 customers)

Valid till: May 1, 2025

APPLY NOW

FILL OUT GOOGLE FORM

Citi Rewards

Get Apple iPad (A16) 11" Wi-Fi 128GB or Dyson Airwrap Origin or Apple Watch SE Gen 3 40mm (GPS + Cell) or S$450 Grab Voucher or S$400 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: October 31, 2025

APPLY NOW

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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 Apple Watch Series 11 (GPS), 42mm Aluminium Case (worth S$599) or Sony WH-1000XM6 (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 01 October to 31 October 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 TravelOne Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers or S$400 Cash via PayNow when you pay the annual fee, spend S$500 by the end of the following calendar month + provide marketing consent
        • Valid from from 10 October to 31 October  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 Up to 24,000 miles when you pay the annual fee and spend S$1,000 by the end of the following month
        • Valid until 31 December 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 Live+ Card and you apply for HSBC TravelOne, 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 TravelOne Card

        • Earn 2.4 miles per dollar on foreign currency spend, and 1.2 miles per dollar on local spend. This card is best for travelers due to the fact that it has twice more than the usual lounge passes that you can acquire in other similar earn rate entry level credit cards; you are entitled to 4 free airport lounge visits (via DragonPass) per calendar year! Plus, it has an extensive list of transfer partners allowing flexibility.
         
        Annual Fee
        • S$196.20 (inclusive of GST), first year free waiver
         
        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
        • After 37 months
         
        Transfer Partners
        • Asia Miles, Vietnam Airlines, British Airways, EVA Air, Qantas, Air Asia, Flying Blue, Krisflyer, Fortune Wings Club, Turkish Airlines, United Mileage Plus, Air Canada, Qatar Airways, Japan Airlines
         
        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 Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers 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 10 October to 31 October 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 December 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 (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

        HSBC Advance Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Voucher 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 10 October to 31 October 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 December 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 Advance Card

        • Earn 1.5% cashback on all local & overseas purchases with no minimum spend and 2.5% cashback on all local & overseas purchases if you spend more than S$2,000 in a calendar month. Cashback capped at S$70 per calendar month; maximum sweet spot spend is S$2,800
        • This card is best used when you have a large monthly spending of S$2,000 to S$2,800. Particularly best for wedding banquets.
         
        Annual Fee
        • S$196.20, first year waived
         
        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
               
         
        When is Cashback Credited
        • It will appear on your card statement and be credited to your account before the end of the next calendar month.
         
        Know what this card is best for:

        Terms and Conditions

        Read Full Review

        HSBC Live+ Card

        • Get Apple iPad (A16) 11″ Wi-Fi 128GB (worth S$499) or Bose QuietComfort Wireless Noise Cancelling Headphones (worth S$499) or Dyson Supersonic Hair Dryer (worth S$559) or S$475 Grab Vouchers 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 10 October to 31 October 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 December 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 Live+ Card

        • Earn 5% cashback capped at S$3,125 spending on dining, entertainment, and shopping categories.
        • There is a minimum spend required monthly of S$600 in each quarter, per calendar month but it is easy to hit the amount of spending with just one category. This means that you could spend S$600 on dining category in Jul, S$600 in shopping category in Aug, S$600 in entertainment category in Sept and receive your full 5% cashback.

        Pro-tip: You can buy vouchers via heymax to clock the minimum spending or for large electronic purchases at Courts, Best Denki or furniture purchases at IKEA.

         

        Annual Fee
        • S$196.20 (first year waived) (For subsequent years, you can request for a waiver)

         

        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
               
        When is Cashback Credited
        • It will be credited within 2 months, after the end of each calendar quarter.

         

        Know what this card is best for:

         

        Terms and Conditions

        Read Full Review