Which card has the lower annual fee?

OCBC 365 Credit Card has the lowest annual fee at $192.

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 OCBC 365 Credit Card

Honest side-by-side comparison of Citi Cash Back 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 leads OCBC 365 Credit Card by about $29/yr in estimated net value.

Citi Cash Back Card vs OCBC 365 Credit Card comparison table
Feature	Citi Cash Back Card Citi	OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$194	$192
Fee waiver threshold	No waiver published	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$725/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%	6%
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?: OCBC 365 Credit Card has the lowest annual fee at $192.
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

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	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	$192
Fee waiver threshold	No waiver published	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$725/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%	6%
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	—

Citi Cash Back 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