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Updated: 17 Jun 2025
Card | Hot Reward Pick | SingSaver Reward | Card Highlight | Monthly Spend Required | Minimum Annual Income | |||
|---|---|---|---|---|---|---|---|---|
 | Citi PremierMiles Card | S$999 | 1.2 - 10miles / dollar | None | S$30,000 | |||
 | HSBC Live+ Credit Card | S$999 | 0.3 - 8 % cashback | S$600 - S$1000 | 30,000 |
- 1.2 miles per S$1 spent locally.
- 2.2 miles per S$1 spent in foreign currency.
- Citi Miles never expire. Can be exchanged for a variety of frequent flyer miles, hotel stays, rewards and cash rebates.
- Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card.
- Earn miles on rent, condo management fees, school fees, taxes and bills via Citi PayAll.
- 2 free airport lounge visits per year to over 1300 Priority Pass lounges worldwide.
- Up to S$1 million travel insurance coverage when you charge your travel tickets to this card. There will be a revision made to the Citi Credit Cards complimentary travel insurance. The Travel Insurance coverage in respect of a Trip charged to Citi PremierMiles Card will be updated to end on 31 March 2026. For more information, please click here.
- 11 different airline and hotel transfer partners.
- Generous sign-up bonus with relatively low minimum spend.
- Read our full review of the Citi PremierMiles Card.
- Admin fee of S$25 (excluding GST) for each conversion of Citi Miles to frequent flyer miles.
- Service fee applies to Citi PayAll facility.
- Borrow up to 90% of your available credit limit, enjoy interest rates as low as 2.6% p.a., and get flexible payment terms up to 60 months when you apply with promo code CIPSS. T&Cs apply.
- 8% cashback* on dining, entertainment, and shopping spend (both local and overseas).
- 5% cashback* on fuel spending at Caltex and Shell stations in Singapore.
- 0.3% cashback* on all other qualifying spend.
- First year annual fee waived.
- Min. spending of S$600 per calendar month, for all 3 months in a calendar quarter, required to earn 8% cash rebate.
- Cashback* capped at S$250 per calendar quarter.
- Cash rebates* are credited quarterly instead of monthly.
- *Min. spend and other terms & conditions apply. Valid till 31 Dec 2024.
- A new income criteria for HSBC Credit Card and Loan will take effect from 1 October 2025. Learn more.
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content 2 Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.
Card | Hot Reward Pick | SingSaver Reward | Card Highlight | Minimum Annual Income | Monthly Spend Required | |||
|---|---|---|---|---|---|---|---|---|
| Citi PremierMiles Card | S$999 | 1.2 - 10miles / dollar | S$30,000 | None | |||
 | Citi Cash Back Card | S$999 | 0.2 - 8 % cashback | S$30,000 | S$800 | |||
 | Citi Cash Back+ Card | S$999 | 1.6 % cashback | S$30,000 | None |
Card | Hot Reward Pick | SingSaver Reward | Card Highlight | Monthly Spend Required | Minimum Annual Income | |||
|---|---|---|---|---|---|---|---|---|
| Citi PremierMiles Card | S$999 | 1.2 - 10miles / dollar | None | S$30,000 | |||
| HSBC Live+ Credit Card | S$999 | 0.3 - 8 % cashback | S$600 - S$1000 | 30,000 |
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All the good
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Pro content Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
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Pro content Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
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Pro content Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
All the bad
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Con content Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
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Con content Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
