Credit Card Comparison: DBS Altitude vs Citi PremierMiles vs OCBC 90N

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Air miles credit cards may seem mysterious but they are your best bet if free flights make you tick. Find out which card will emerge the winner in this three-way battle between DBS Altitude vs Citi PremierMiles vs OCBC 90N.

What’s sweeter than a dreamy vacation to somewhere you’ve always wanted to visit? Free flights. While you may need to fork out some taxes and airport charges, the cost of your travel tickets may essentially shrivel up thanks to the miles you’ve earned and accumulated on your air miles credit card. 

In this comparison article, we will pit three miles cards against each other: DBS Altitude vs Citi PremierMiles vs OCBC 90N. One of these three travel-oriented credit cards may just be what you’ve been looking for to kickstart your mile chasing journey.

DBS Altitude vs Citi PremierMiles vs OCBC 90N

Credit card Key benefits
DBS Altitude$1 = 3 miles on online flight & hotel transactions (capped at $5,000 per month)

$1 = 2 miles on overseas spend (in foreign currency)

$1 = 1.2 miles on local spend

Earn up to 10 miles per $1 spent on Agoda, Expedia, and Kaligo
Citi PremierMiles$1 = 2 miles on foreign currency spend

$1 = 1.2 miles on local spend

Earn up to 10 miles per $1 spent on Agoda and Kaligo
OCBC 90N$1 = 2.1 miles on foreign currency spend

$1 = 1.2 miles on local spend

Earn up to 7 miles per $1 spent on Agoda accommodations 

What these air miles credit cards have in common

All three credit cards offer rewards that do not expire, the ability to earn renewal bonus miles, alongside other benefits, all while only requiring cardmembers who are Singapore Citizens/PRs to earn a minimum annual income of $30,000. 

They have the same annual fee, too. DBS Points, Citi Miles and Travel$ can be utilised for travel as well as other things, such as rewards and cash rebates. All three credit cards are also widely accepted around the world as DBS Altitude is a Visa card while Citi PremierMiles and OCBC 90N are Mastercard cards.

How these air miles credit cards differ

Although DBS Altitude Visa, Citi PremierMiles and OCBC 90N are all marketed to be  travel-oriented, these three air miles credit cards couldn’t be more different. Right from their miles earn rate, miles conversion fee to travel benefits like travel insurance and airport lounge access, range of frequent flyer programme partners, these features are not the same.

To make the comparisons easier for you to understand and digest, we’ve broken them down into distinct points we reckon you would want to know as a savvy consumer.

Comparison #1: Miles earn rate


DBS Altitude Visa Citi PremierMilesOCBC 90N
Miles earn rate$1 = 3 miles on online flight & hotel transactions (capped at $5,000 per month)

$1 = 2 miles on overseas spend (in foreign currency)

$1 = 1.2 miles on local spend

Earn up to 10 miles per $1 spent on Agoda, Expedia, and Kaligo
$1 = 2 miles on foreign currency spend 

$1 = 1.2 miles on local spend 

Earn up to 10 miles per $1 spent on Agoda and Kaligo 
$1 = 2.1 miles on foreign currency spend 

$1 = 1.2 miles on local spend 

Earn up to 7 Travel$ per $1 spent on Agoda accommodations worldwide 

While there is no minimum spend to start earning miles for all three credit cards, take note that DBS Altitude lets you earn miles in the form of DBS Points — 3 DBS Points awarded for every S$5 local spend (equivalent to 1.2 miles for every S$1 local spend) and 5 DBS Points for every S$5 overseas spend (equivalent to 2 miles for every S$1 overseas spend). 

For online flight and hotel transactions, cardmembers will earn additional 4.5 DBS Points for every S$5 local spend (equivalent to additional 1.8 miles for every S$1 local spend) or additional 2.5 DBS Points for every S$5 overseas spend (equivalent to additional 1 mile for every S$1 overseas spend), both of which will let you earn at the rate of $1 = 3 miles.

Citi PremierMiles is the most straightforward amongst the three. Citibank rewards cardmembers with Citi Miles, where 1 Citi Mile is simply equal to 1 frequent flyer mile.  

OCBC 90N lets cardmembers earn miles in the form of Travel$, where 1 Travel$ is equal to 1 frequent flyer mile. Like DBS Altitude, OCBC 90N is a little confusing — Travel$ are awarded for every $5 spent per transaction. Also, no partial or prorated award of any Travel$ will be available for any amount charged to the card that does not amount to a $5 block. 

But here’s where DBS Altitude fares better compared to OCBC 90N Citi PremierMiles (more on that in a bit). You can earn 1 DBS Point with a min. spend of $1.67 on bus/train rides! This makes DBS Altitude a great card to use for public transport as you can simply tap and go while continuing to earn miles at the local rate of 1.2 miles per $1 spent. For those who are wondering, Citi PremierMiles does not award Citi Miles for public transport and EZ-Link transactions.

Comparison #2: Free airport lounge access


DBS Altitude Visa Citi PremierMilesOCBC 90N
Free airport lounge access2 free Priority Pass lounge visits per year2 free Priority Pass lounge visits per yearNIL

If there is one major thing missing from OCBC 90N, it is the coveted complimentary airport lounge access perk. Cardmembers can enjoy airport lounges through the Mastercard Airport Experiences platform but they will have to fork out US$32 per visit. 

Fancy travelling in style without having to shell out extra money at the airport? Enter the DBS Altitude Visa and Citi PremierMiles. These two air miles credit cards offer cardmembers 2 complimentary Priority Pass lounge visits per year. The sky’s the limit here because you can choose from over 1,300 airport lounges worldwide. Additional visits are possible but subject to a payment of US$32 per visit.

Comparison #3: Travel insurance coverage


DBS Altitude Visa Citi PremierMilesOCBC 90N
Travel insurance coverageUp to $1 million Up to $1 million NIL

This is an interesting comparison because DBS Altitude Visa and Citi PremierMiles both offer cardmembers and their legal family members up to $1 million in travel accident insurance coverage when they charge their full travel purchase to their credit card. 

The complimentary travel insurance that comes with DBS Altitude Visa only covers accidental death or permanent disablement while travelling on a public conveyance. 

On the other hand, the one offered by Citi PremierMiles is more comprehensive as it covers medical expenses, emergency medical evacuation and repatriation, and direct repatriation of mortal remains. Exclusive to Citi PremierMiles cardmembers only, travel inconveniences like loss of personal baggage, baggage delay, flight delay, trip cancellation and trip interruption are covered as well.

Comparison #4: Frequent flyer partners


DBS Altitude Visa Citi PremierMilesOCBC 90N
Frequent flyer partnersAsia Miles
Singapore Airlines 
Qantas 
AirAsia 
AirAsia 
Asia Miles 
British Airways
Etihad
EVA Air
Air France & KLM 
Malaysia Airlines
Qantas
Qatar Airways
Singapore Airlines
Thai Airways
Turkish Airlines
Singapore Airlines 
Miles conversion rate1 DBS Point = 2 Frequent Flyer Programme Miles 

1 DBS Point = 3 AirAsia BIG Points
1 Citi Mile = 1 Frequent Flyer Programme Mile 1 Travel$ = 1 KrisFlyer Mile 

As you can already tell, Citibank has the most number of frequent flyer partners amongst the three banks. Besides letting you convert your miles to airlines’ frequent flyer programmes at a fee, you can also transfer your Citi Miles to IHG Rewards Club if you are more interested in getting free hotel stays instead of flights. 

Currently, Travel$ can only be converted to Singapore Airlines’ KrisFlyer miles.

Comparison #5: Miles conversion fee


DBS Altitude Visa Citi PremierMilesOCBC 90N
Miles conversion fee$25 $25Free 

For both DBS Altitude Visa and Citi PremierMiles, an administrative fee of $25 (exclusive of GST) applies for each conversion of DBS Points or Citi Miles to actual frequent flyer miles. 

A great tip is to earn and accumulate your DBS Points or Citi Miles until you are sure you have enough miles to redeem for your dream award flights, before transferring them to your enrolled frequent flyer programme of choice. This helps minimise the miles conversion fees you need to pay. Anyway, DBS Points or Citi Miles do not have an expiry date — take your time to earn and accumulate them without feeling rushed. 

As for OCBC 90N, there are no conversion fees to convert your Travel$ to KrisFlyer miles. 

Important note: Even though DBS Points, Citi Miles and Travel$ do not expire, once you convert and transfer your rewards to participating frequent flyer programmes or hotel loyalty programmes, your converted frequent flyer miles and hotel loyalty programme points will be subject to the terms and conditions of their respective loyalty programme. Most of than not, your converted frequent flyer miles and hotel loyalty programme points will expire after some time (e.g. 36 months for KrisFlyer miles).

Comparison #6: Additional perks


DBS Altitude Visa Citi PremierMilesOCBC 90N
Exclusive privilegesReceive 10,000 bonus miles when you pay the annual fee of $192.60 

Earn 1 extra mile on everything you spend, with an admin fee of just 2% of your retail spend. That’s up to 4 miles per $1 spent! Registration required

Enjoy up to 1.6% p.a. or more with the DBS Multiplier Account 

Visa travel perks

Golf Club Privileges

Various merchant and dining deals 
Receive 10,000 bonus miles when you pay the annual fee of $192.60 

Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll. Citi PayAll service fee applies 

Citi World Privileges


Receive 10,000 bonus miles when you pay the annual fee of $192.60 from the second year onwards

Get exclusive deals on STACK Marketplace

Various merchant promotions 



You can already tell at a glance that DBS Altitude offers the most perks in this three-way battle. As a true travel credit card, it is no surprise most of the extra perks that come with DBS Altitude are travel-oriented. 

One unique feature exclusive to DBS Altitude: You have the option of registering for the promotion and paying a 2% admin fee to earn an extra mile on all your retail spend — perfect if you are serious about chasing miles albeit at a cost. This card is also ideal if you are keen on earning a higher interest on your deposits with the DBS Multiplier Account.

Conclusion: Which one should you choose?

DBS Altitude, Citi PremierMiles and OCBC 90N are all good contenders for people who are keen on earning and accumulating air miles that they can redeem for (almost) free travel further down the road. 

As much as we’d like to pit OCBC 90N against the other two longtime players, OCBC 90N is more basic in what it has to offer — no complimentary airport lounge access, no travel insurance coverage, its only frequent flyer partner at this time is Singapore Airlines, and yes, no sign-up bonus. 

Two points where OCBC 90N does better than DBS Altitude and Citi PremierMiles? This card lets you earn a tad more miles per $1 spent in foreign currency (i.e. 2.1 vs 2) and there’s zero conversion fee involved to have your Travel$ converted to KrisFlyer miles.

Choose DBS Altitude: That’s if you fancy the idea of earning miles on literally everything you spend on, including bus and MRT rides. DBS Altitude runs spend promotions periodically that lets cardmembers chalk up miles quicker if they meet the spend and eligibility criteria post-registration. Besides travel perks like free airport lounge access, complimentary travel accident insurance coverage, Visa benefits and the ability to earn an extra mile on all your retail transactions with a 2% admin fee no less, you can also earn more interest on your savings if you deposit and save with the DBS Multiplier Account. The only truly bothersome thing about this card is that DBS Points are awarded on spend in blocks of $5 (except bus/MRT rides when you ‘tap and go’).

Choose Citi PremierMiles: Think of Citi PremierMiles as DBS Altitude’s less fussy credit card twin. Citi PremierMiles rewards cardmembers on every $1 they spend in local or foreign currency, making things easier for those who enjoy crunching numbers and counting each mile they’ve earned. Citi PremierMiles offers a more comprehensive travel insurance coverage and a greater assortment of frequent flyer partners than DBS Altitude, too. 

Read these next:
DBS Altitude Card Review: Fulfill Wanderlusts With Expiry-free Miles
Citi PremierMiles Card Review: Well-rounded Air Miles Credit Card
OCBC 90°N Credit Card Review: Pros and Cons and Should You Get It?
Most Popular Credit Cards In Singapore 2020
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?


By Denise Bay
While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She tries to be healthy by doing HIIT exercises at home fairly regularly.