Citi Prestige vs DBS Vantage vs OCBC Voyage

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!

• 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

Know what this card is best for:

• Best Cards for Airport Lounge
• Must be paired with CardUp/iPayMy
  • Best Cards for Insurance
  • Best Cards for Renovations, MCST, donations, Tax, Rent

Terms and Conditions

Read Full Review

Direct Bank Reward:

• Get Samsonite MODUS Spinner 25” (worth S$610) and S$100 cashback when you spend S$800 within 60 days of your card approval
• Valid until 31 March 2026
• Read Terms and Conditions here

Singsaver Reward:

• Get S$350 Cash via PayNow or S$370 Grab Voucher when you spend a minimum of S$800 within 30 days of card approval and apply for one of the following within 60 days of card approval:
  
  • EasyPay: Min. 3 transactions of S$150 minimum each, 12-month tenure
  • Bonus$aver Account: Min. deposit S$3,000
  • CashOne Personal Loan: Min. S$1,000, 12-month tenure
  • Credit Card Funds Transfer: Min. S$1,000, 3-month tenure
• Promotion is valid for new to bank credit card holders
• Valid until 01 December 2025 – 02 February 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!

• Earn a flat 1.5% cashback rate, with no minimum spend requirement, and no cashback cap. This card can be used in basically anything and everything spending! This can be an ultimate card to use when paying for wedding banquet venues!

Annual Fee

• S$196.20 (including 9% GST), waived for the first two years

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

Know what this card is best for:

• Best Cards for Wedding Banquets

Terms and Conditions

Full Review

Direct Bank Reward:

• Get Samsonite MODUS Spinner 25” worth S$610 and S$100 cashback when you spend S$800 within 60 days of your card approval
• Valid until 31 March 2026
• Read Terms and Conditions here

Singsaver Reward:

• Receive Apple Airpods 4 (with Active Noise Cancellation) (worth S$249) or Hinomi Q1 Ergonomic Office Chair (worth $499) or S$250 Grab Voucher or S$230 Cash via PayNow when you spend S$800 within 30 days of card approval and apply for one of the following within 60 days of card approval:
  • EasyPay: Min. 3 transactions of S$150 minimum each, 12-month tenure
  • Bonus$aver Account: Min. deposit S$3,000
  • CashOne Personal Loan: Min. S$1,000, 12-month tenure
  • Credit Card Funds Transfer: Min. S$1,000, 3-month tenure

• Valid until 01 December 2025 – 02 February 2026
• 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!

• Earn 10% cashback or 9.28 miles per dollar for spends above S$1,500 for bonus categories
• Earn 8% cashback or 7.42 miles per dollar on spends of at least S$800 to S$1,500 for bonus categories
• Earn 4% cashback or 3.71 miles per dollar on spends below S$800 for bonus categories (until 31 March 2025)
• 0.5% cashback in the form of reward points for all base spends
• This has no bonus cap
• Best for dining, streaming, and transport categories

Annual Fee

• Used to be waived for life, but beginning 6 December 2025, an annual fee of S$99.19 will be applied to all StanChart Smart Cardholders as of 6 December 2024.

Income Requirement

• S$30,000 (locals/PRs); S$60,000 (foreigners)

Points Expiry

• The points expire 3 years from your card opening date, which is very strange. Your points earned the day before your 3rd year card anniversary date could just expire the next day. You could set a redemption reminder date 3 years from your card opening date. Alternatively, you could keep the points in your account low by doing regular redemption. This way, even if you forget, all is not lost.

Know what this card is best for:

• Best Cards for EV Charging – until 31 December 2025 only

Terms and Conditions

Full Review

Singsaver Reward:

• Get 7,000 Max Miles by HeyMax or Samsonite Straren Spinner 67/24 (worth S$600) or S$200 Grab Voucher or S$180 Cash via PayNow when you spend S$800 within 60 days of card approval and apply for one of the following within 60 days of card approval:
  
  • EasyPay: Min. 3 transactions of S$150 minimum each, 12-month tenure
  • Bonus$aver Account: Min. deposit S$3,000
  • CashOne Personal Loan: Min. S$1,000, 12-month tenure
  • Credit Card Funds Transfer: Min. S$1,000, 3-month tenure

• Valid until 01 December 2025 – 02 February 2026
• 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!

Stackable with Direct Bank Rewards:

• Receive up to 30,000 miles
• Receive 10,000 miles when you pay the annual fee under “Fee Paying” option
• Receive 20,000 miles when you make a min. spend of S$800 within 60 days of card approval (This is available for both fee paying and fee waiver option)
• Therefore, fee paying option earns 30K miles, fee waiver option earns 20K miles, if requirements are met
• Promotion is valid until 31 March 2026
• Read Terms and Conditions here

My thoughts: If you were going to apply for this card, you should choose the fee waiver option as the cost per mile is 196.20/10,000 miles = 1.96 cents per mile, which is quite expensive.

• Earn up to 3 miles per dollar on selected bonus categories in SGD; 2 miles per dollar on overseas spending, and 1.2 miles per dollar on other local spending. All with no minimum monthly spending required. This card is best for those who spend a lot on the bonus online categories such as transportation, grocery and food delivery with a spending cap of S$1,000 per statement month
• This comes with 2 complimentary airport lounge passes

Terms and Conditions

Full Review