Side-by-side · honest numbers
Citi Cash Back Card vs HSBC Advance Credit Card vs SC Journey Credit Card
Honest side-by-side comparison of Citi Cash Back Card, HSBC Advance Credit Card, SC Journey 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 SC Journey Credit Card by about $310/yr.
| Feature | Citi Cash Back Card Citi | HSBC Advance Credit Card HSBC | SC Journey Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $30,000/mo | $60,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $725/yr | $78/yr | $415/yr |
| Groceries (offline) | 8% cashback → $25/mo ($300/yr) (cap hit) | — | — |
| Dining & delivery | 8% cashback → $24/mo ($288/yr) | — | — |
| Travel | — | 2.5% cashback → $8/mo ($90/yr) | 3 pts per $1 spend → $14/mo ($162/yr) |
| Top reward rate | 8% | 2.5% | 3X 360° points |
| Primary reward cap | $25 rewards/mo cap | $200 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold |
| 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?
- 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 $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
HSBC Advance Credit Card
HSBC
SC Journey Credit Card
Standard Chartered
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 | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2.5% Annual fee$194 Min income$60,000/mo Tap to flip back HSBC Advance Credit Card HSBC | Standard CharteredPlatinum SC Journey Credit Card •••• •••• •••• 4242 Quick facts SC Journey Credit Card Top reward3X 360° points Annual fee$194 Min income$50,000/mo Tap to flip back SC Journey Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $30,000/mo | $60,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $725/yr | $78/yr | $415/yr |
| Groceries (offline) | 8% cashback → $25/mo ($300/yr) (cap hit) | — | — |
| Dining & delivery | 8% cashback → $24/mo ($288/yr) | — | — |
| Travel | — | 2.5% cashback → $8/mo ($90/yr) | 3 pts per $1 spend → $14/mo ($162/yr) |
| Top reward rate | 8% | 2.5% | 3X 360° points |
| Primary reward cap | $25 rewards/mo cap | $200 rewards/mo cap | $500 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold |
| Key exclusions | Insurance · Government payments · Balance transfers | 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-hsbc-advance-sg-vs-sc-journey-sgMore Citi Cash Back Card comparisons
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