Side-by-side · honest numbers
Citi Cash Back Card vs Maybank Family & Friends Card
Honest side-by-side comparison of Citi Cash Back Card, Maybank Family & Friends 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
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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
Maybank Family & Friends Card
Maybank
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | Maybank Family & Friends Card Maybank |
|---|---|---|
| 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) | $605/yr | $966/yr |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | $500 × 8% = $40/mo ($480/yr) · issuer max $80/mo |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | $300 × 8% = $24/mo ($288/yr) · issuer max $80/mo |
| Fuel | — | $200 × 8% = $16/mo ($192/yr) · issuer max $80/mo |
| Top reward rate | 8% | 8% |
| Primary reward cap | $25 rewards/mo cap | $80 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | $120 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/sg/en/compare/citi-cash-back-sg-vs-maybank-family-friends-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Maybank Family & Friends Card leads Citi Cash Back Card by about $361/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 | Maybank Family & Friends Card Maybank |
|---|---|---|
| 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) | $605/yr | $966/yr |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | $500 × 8% = $40/mo ($480/yr) · issuer max $80/mo |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | $300 × 8% = $24/mo ($288/yr) · issuer max $80/mo |
| Fuel | — | $200 × 8% = $16/mo ($192/yr) · issuer max $80/mo |
| Top reward rate | 8% | 8% |
| Primary reward cap | $25 rewards/mo cap | $80 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?
- Maybank Family & Friends Card has a $0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Maybank Family & Friends Card leads with an estimated $966/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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