Side-by-side · honest numbers
Citi Cash Back Card vs DBS Altitude Visa
Honest side-by-side comparison of Citi Cash Back Card, DBS Altitude Visa — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Citi Cash Back Card
Citi
DBS Altitude Visa
DBS
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | DBS Altitude Visa DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $602/yr |
| Online shopping | — | $500 → 1,000 pts/mo × $0.02/pt = $20/mo ($240/yr) |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Travel | — | $300 → 900 pts/mo × $0.02/pt = $18/mo ($216/yr) · issuer max $500/mo |
| Top reward rate | 8% | 3 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | 2 complimentary lounge visits per year · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | $120 | — |
Stack mode (hold both)
Cap-aware split: ~$764/yr combined NAV ($159 vs best solo). Both annual fees apply.
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https://cardhungry.com/sg/en/compare/citi-cash-back-sg-vs-dbs-altitude-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card leads DBS Altitude Visa by about $3/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · $2,400/mo
$2,400/month total spend — typical Singapore user
Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300
| Feature | Citi Cash Back Card Citi | DBS Altitude Visa DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $602/yr |
| Online shopping | — | $500 → 1,000 pts/mo × $0.02/pt = $20/mo ($240/yr) |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Travel | — | $300 → 900 pts/mo × $0.02/pt = $18/mo ($216/yr) · issuer max $500/mo |
| Top reward rate | 8% | 3 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | 2 complimentary lounge visits per year · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | $120 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Citi Cash Back Card has the lowest annual fee at $194.
- Which card earns more on moderate spend?
- Citi Cash Back Card leads with an estimated $605/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Citi Cash Back Card lists a minimum monthly income of $30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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