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.

Side-by-side · honest numbers

Citi Cash Back Card vs POSB Everyday Card vs OCBC 365 Credit Card

Honest side-by-side comparison of Citi Cash Back Card, POSB Everyday Card, OCBC 365 Credit 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 ranks first for estimated net annual value — ahead of OCBC 365 Credit Card by about $29/yr.

Citi Cash Back Card vs POSB Everyday Card vs OCBC 365 Credit Card comparison table
Feature	Citi Cash Back Card Citi	POSB Everyday Card DBS	OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$194	Lifetime free	$192
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$725/yr	$42/yr	$696/yr
Online shopping	—	—	3% cashback → $15/mo ($180/yr)
Groceries (offline)	8% cashback → $25/mo ($300/yr) (cap hit)	—	6% cashback → $30/mo ($360/yr)
Dining & delivery	8% cashback → $24/mo ($288/yr)	—	6% cashback → $18/mo ($216/yr)
Fuel	—	—	6% cashback → $12/mo ($144/yr)
Top reward rate	8%	0.3% cashback	6%
Primary reward cap	$25 rewards/mo cap	No monthly cap published	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	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.

Card 1

Citi Cash Back Card

Citi

Card 2

POSB Everyday Card

DBS

Card 3

OCBC 365 Credit Card

OCBC

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	OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$30,000/mo Tap to flip back OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$194	Lifetime free	$192
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$725/yr	$42/yr	$696/yr
Online shopping	—	—	3% cashback → $15/mo ($180/yr)
Groceries (offline)	8% cashback → $25/mo ($300/yr) (cap hit)	—	6% cashback → $30/mo ($360/yr)
Dining & delivery	8% cashback → $24/mo ($288/yr)	—	6% cashback → $18/mo ($216/yr)
Fuel	—	—	6% cashback → $12/mo ($144/yr)
Top reward rate	8%	0.3% cashback	6%
Primary reward cap	$25 rewards/mo cap	No monthly cap published	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	$120	—	—

Citi Cash Back Card details →POSB Everyday Card details →OCBC 365 Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Citi Cash Back Card comparisons