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Citi Prestige vs DBS Vantage vs OCBC Voyage

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Citi Prestige Cardface

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

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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

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Citi Rewards

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or AirPods Pro 3 + S$40 eCapitaVoucher Bundle or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: March 31, 2026

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OCBC Infinity

Get Dyson Airstrait or 25k Heymax Miles or AirPods Pro 3 + S$40 eCapitaVoucher Bundle or S$370 Cash via PayNow when you spend S$400 within 30 days of card approval

Valid till: March 31, 2026

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HSBC Revolution

Get Apple Watch SE Gen 3 40mm (GPS+ Cell) 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: March 31, 2026

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Citi Cashback

Get 25,000 HeyMax Miles or Dyson Airstrait™ straightener or AirPods Pro 3 + S$40 eCapitaVoucher Bundle or S$380 Cash via PayNow when you spend S$500 within 30 days of card approval

Valid till: March 31, 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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UOB One

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

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DBS Live Fresh

Get S$340 eCapitaVoucher or 21k HeyMax miles or Apple Airpods 3 or Samsonite STRAREN SPINNER 67/24 or S$300 Cash via PayNow when you use code: SINGSAVER and spend S$100 within 30 days of card approval

Valid till: March 31, 2026

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UOB Absolute AMEX

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

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UOB Visa Signature Cardface

UOB Visa Signature

Get S$888 Cash via PayNow or 55k Max Miles (first 20 applicants) ; S$88 Cash via PayNow (21st-108th applicant) ; S$60 Cash via PayNow (remaining applicants) when you spend S$800 within 30 days from approval

Valid till: February 28, 2026

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Citi Prestige Card

Direct Bank Promotion

    • Receive up to 112,500 ThankYou Points in Welcome Gift when you pay annual fee upon card approval & spend S$14,000 in the first 2 months of card approval
    • Read Terms and Conditions here
    • Valid until 27 January – 30 June 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)

     

     

    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