Side-by-side · honest numbers
Citi Cash Back Card vs POSB Everyday Card
Honest side-by-side comparison of Citi Cash Back Card, POSB Everyday 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
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card leads POSB Everyday Card by about $683/yr in estimated net value.
| Feature | Citi Cash Back Card Citi | POSB Everyday Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $725/yr | $42/yr |
| Groceries (offline) | 8% cashback → $25/mo ($300/yr) (cap hit) | — |
| Dining & delivery | 8% cashback → $24/mo ($288/yr) | — |
| Top reward rate | 8% | 0.3% cashback |
| Primary reward cap | $25 rewards/mo cap | No monthly cap published |
| 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?
- POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Citi Cash Back Card leads with an estimated $725/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.
Customize your spend
Change spend profile or swap cards — results update live below.
Citi Cash Back Card
Citi
POSB Everyday Card
DBS
Your adjusted comparison
| Feature | CitiGold Citi Cash Back Card •••• •••• •••• 4242 Quick facts Citi Cash Back Card Top reward8% Annual fee$194 Min income$30,000/mo Tap to flip back Citi Cash Back Card Citi | DBSClassic POSB Everyday Card •••• •••• •••• 4242 Quick facts POSB Everyday Card Top reward0.3% cashback Annual feeLifetime Free Min income$30,000/mo Tap to flip back POSB Everyday Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $725/yr | $42/yr |
| Groceries (offline) | 8% cashback → $25/mo ($300/yr) (cap hit) | — |
| Dining & delivery | 8% cashback → $24/mo ($288/yr) | — |
| Top reward rate | 8% | 0.3% cashback |
| Primary reward cap | $25 rewards/mo cap | No monthly cap published |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | $120 | — |
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https://cardhungry.com/sg/en/compare/citi-cash-back-sg-vs-dbs-posb-everyday-sgMore Citi Cash Back Card comparisons
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