BEST-OCBC Credit Card
3% cash rebate at BEST Denki
0% interest instalments (up to 12 mths)
10-day Price Protection Guarantee
Auto fee waiver with S$2.5k spend
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- Earn 3% rebate on all purchases, including 0% instalment plans
- Get a refund on the difference if you find a lower price within 10 days
- Enjoy free delivery and disposal for bulky items with a minimum spend of S$200
- Pay just 16% instead of 19% for the Safety 5 Premium Warranty programme
- Split your bill over 3, 6, or 12 months with 0% interest (minimum S$50 spend)
- Spend S$2,500 annually to automatically waive the renewal fee
Minimum Age: 21 years old
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a. (S$15,000 p.a. for age above 55)
• Foreigners: Min. S$45,000 p.a.
| Fee Type | Amount |
|---|---|
| Principal Card Fee | S$163.50 (Waived for the first two years; Auto−waived with S$2,500 annual spend) |
| Supplementary Card Fee | S$81.75 (Waived for the first two years) |
| Annual Interest Rate | 27.78% p.a. |
| Cash Advance Fee | S$15 or 8% of amount withdrawn whichever is greater |
| Late Payment Charge | S$100 |
Citi Cash Back Card
Up to 23.64% Fuel Savings at Stations
8% Cashback on Petrol & Private Commute
6% Cashback on Dining & Groceries
Get S$300 Cash Back Welcome Gift
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- Hit the S$800 monthly min spend to unlock the full 8% and 6% bonus rates
- Earn 0.2% cashback if you spend below S$800, or boost it to 8% when you hit at least S$800
- Private Commute covers taxis, Grab, and Gojek (MCC 4121) worldwide
- Cashback auto-credits in S$10 denominations once you hit S$50
- Bonus earn rates on Dining and Groceries apply globally, not just in Singapore
- Enjoy automatic cashback payouts in S$10 denominations from S$50 onwards
Minimum Age: 21 years or older
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a.
• Foreigners: Min. S$42,000 p.a.
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$196.20 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Fee (Supplementary Card) | S$98.10 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi Cash Back+ Card
Flat 1.6% Cashback on All Spend
No Minimum Spend Required
Unlimited Cashback – No Cap
Cashback Earned Never Expires
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- Stack an extra 0.4% bonus cashback if you are a Citi Plus customer
- Ideal “catch-all” card for big expenses that burst the caps of other cards
- Redeem rebates instantly via the Citi App or SMS to offset your bills
- No complicated MCCs to track- just swipe and earn on almost everything
- Split 3 big purchases (min S$500 each) into instalments with no processing fee
- Access exclusive Citi Gourmet Pleasures dining deals and city-wide discounts
Minimum Age: 21 years or older
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a.
• Foreigners: Min. S$42,000 p.a.
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$196.20 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Fee (Supplementary Card) | S$98.10 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi Clear Card
No Minimum Income Required
Ideal for Tertiary Students
Earn 1X Point on Every S$1 Spend
Access to Citi Gourmet Pleasures
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- Start your credit journey early—perfect for students with no income history
- Access exclusive dining perks at over 1,000 eateries across Singapore
- Shop online for fashion and lifestyle brands to snag member-only deals
- Use Citi Pay with Points to offset your daily purchases directly via the app
- Enjoy Citi World Privileges for discounts in Singapore and 90+ countries
- Redeem your points flexibly for merchandise or shopping vouchers
Minimum Age: 18 or older
Note: Applicants below the age of 21 must get their parent/guardian’s consent to the application, and guarantee for the payment of outstanding balances.
Income Requirement:
• Singaporeans & PRs: No minimum income required
• You must be a student from one of the following institutions: NTU, NUS, SMU, SIM, SUTD, SIT, SUSS, University of Chicago Booth School of Business, DigiPen, ESSEC, GIST–TUM Asia, INSEAD, S P Jain, Tisch, UNLV, Nanyang Polytechnic, Ngee Ann Polytechnic, Republic Polytechnic, Singapore Polytechnic, Temasek Polytechnic, LASALLE-SIA, NAFA, EDHEC-Risk Institute, and Sorbonne-Assas International Law School
• You are not an existing primary / basic Citi Credit Card / Citibank Ready Credit customers (supplementary Cardmembers are eligible)
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$30.52 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Interest Rate | 28% p.a. |
| Minimum Interest Charge | S$3 |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi M1 Card
Get S$300 Cash Back Welcome Gift
Earn 5% Rebate on Entertainment
3% Rebate on M1 Bills & Shop Spend
Rebates Never Expire – Keep Forever
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- 5% rate applies to cinemas, Ticketmaster, and streaming like Netflix
- Save money with a waiver of the activation fee for M1 Data Passport
- Earn a base rebate of 0.3% on all other general retail transactions
- Earn 3% rebate on M1 Recurring Charges and M1 MAXX bill charges
- Enjoy a 1-year annual fee waiver (worth S$196.20) just for signing up
- Enjoy up to 23.64% in fuel savings at partner petrol stations
Minimum Age: 21 years or older
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a.
• Foreigners: Min. S$42,000 p.a.
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$196.20 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Fee (Supplementary Card) | S$98.10 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi PremierMiles Card
Get 30,000 Bonus Miles Welcome Gift
Up to 10 Miles/$ on selected travel bookings
Citi Miles never expire – Keep forever
2 Free Priority Pass™ Lounge Visits
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- Get 10,000 renewal bonus miles every year you pay the annual fee
- Earn 1.2 Miles Per Dollar on local or 2.2 foreign currency spends
- 2 complimentary airport lounge visits yearly + miles that never expire
- Rack up miles on rent, insurance, and tax bills using Citi PayAll
- No cap on earnings—whack big purchases and collect every single mile
- Redeem miles for flights, Pay with Miles, or vouchers via the Citi Mobile App
Minimum Age: 21 years or older
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a.
• Foreigners: Min. S$42,000 p.a.
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$196.20 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Fee (Supplementary Card) | Free (Perpetual Fee Waiver for all supplementary cards) |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi Prestige Card
Earn up to 162,500 Points Welcome Gift
Earn 5 Points Per S$1 on Foreign Spend
Earn 3.25 Points Per S$1 on Local Spend
Complimentary Access to 1,700+ Lounges
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- Earn up to 30% extra ThankYou Points annually with Relationship Bonus (based on tenure and Citigold status)
- Enjoy peace of mind when you travel abroad with complimentary insurance
- Enjoy a welcome offer of up to 162,500 Points or 65,000 Miles for new Citi Prestige Cardmembers
- Enjoy 16 complimentary airport lounge visits per year via Priority Pass and DragonPass
- 24/7 access to the Citi Prestige Concierge team to support all your lifestyle needs
Minimum Age: 21 years old
Income Requirement:
• Minimum annual income of S$120,000
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$651.82 (Inclusive of 9% GST. No Fee Waiver) |
| Annual Fee (Supplementary Card) | Free |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |
Citi Rewards Card
Earn 10X Points for online and in-store spend
Get 40,000 Bonus Points Welcome Gift
Enjoy 1X Point for all other purchases
Points Valid for 5 Years (60 Months)
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- Earn 4 Miles Per Dollar on Grab, Foodpanda, and online groceries
- Score 10X Points offline at department stores and clothing boutiques
- Points validity is 5 years- plenty of time to accumulate for a Business Class flight
- Use Pay with Points to offset purchases at a rate of 440 Points = S$1
- The 10X bonus points are capped at 9,000 points per statement month
- Join Citigold as an existing cardmember to unlock an additional S$500 cash reward
Minimum Age: 21 years or older
Income Requirement:
• Singaporeans & PRs: Min. S$30,000 p.a.
• Foreigners: Min. S$42,000 p.a.
| Fee Type | Amount |
|---|---|
| Annual Fee (Principal Card) | S$196.20 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Fee (Supplementary Card) | S$98.10 (Inclusive of 9% GST. Waived for 1 year) |
| Annual Interest Rate | 27.9% p.a. |
| Foreign Currency Fee | Up to 3.25% |
| Late Payment Fee | S$100 (if Minimum Payment due is not received by due date) |
| Overlimit Fee | S$40 |
| Repayment Grace Period | 25 Days from SOA date |