Side-by-side · honest numbers
Citi Cash Back Card vs DBS Live Fresh Card
Honest side-by-side comparison of Citi Cash Back Card, DBS Live Fresh Card — 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
Customize your spend
Change spend profile or swap cards — results update live below.
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 Live Fresh Card
DBS
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | DBS Live Fresh Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | Waived at $10,000/yr spend |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $324/yr |
| Online shopping | — | $500 × 5% = $25/mo ($300/yr) · issuer max $60/mo |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Top reward rate | 8% | 5% |
| Primary reward cap | $25 rewards/mo cap | $60 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | $120 | — |
Stack mode (hold both)
Cap-aware split: ~$812/yr combined NAV ($207 vs best solo). Both annual fees apply.
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https://cardhungry.com/sg/en/compare/citi-cash-back-sg-vs-dbs-live-fresh-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card leads DBS Live Fresh Card by about $281/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 Live Fresh Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | Waived at $10,000/yr spend |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $324/yr |
| Online shopping | — | $500 × 5% = $25/mo ($300/yr) · issuer max $60/mo |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Top reward rate | 8% | 5% |
| Primary reward cap | $25 rewards/mo cap | $60 rewards/mo cap |
| 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?
- DBS Live Fresh Card has the lowest annual fee at $192.
- 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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