Side-by-side · honest numbers
Citi Cash Back Card vs OCBC 365 Credit Card vs SC Smart Credit Card
Honest side-by-side comparison of Citi Cash Back Card, OCBC 365 Credit Card, SC Smart 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
Customize your spend
Change spend profile or swap cards — results update live below.
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
OCBC 365 Credit Card
OCBC
SC Smart Credit Card
Standard Chartered
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | OCBC 365 Credit Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $192 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $605/yr | $696/yr | $615/yr |
| Online shopping | — | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | $500 × 6% = $30/mo ($360/yr) · issuer max $60/mo |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | $300 × 6% = $18/mo ($216/yr) · issuer max $60/mo |
| Fuel | — | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Top reward rate | 8% | 6% | 6% |
| Primary reward cap | $25 rewards/mo cap | $80 rewards/mo cap | $60 rewards/mo cap |
| 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-ocbc-365-vs-sc-smart-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OCBC 365 Credit Card ranks first for estimated net annual value — ahead of SC Smart Credit Card by about $81/yr.
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 | OCBC 365 Credit Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $192 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $605/yr | $696/yr | $615/yr |
| Online shopping | — | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | $500 × 6% = $30/mo ($360/yr) · issuer max $60/mo |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | $300 × 6% = $18/mo ($216/yr) · issuer max $60/mo |
| Fuel | — | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Top reward rate | 8% | 6% | 6% |
| Primary reward cap | $25 rewards/mo cap | $80 rewards/mo cap | $60 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?
- SC Smart Credit Card has a $0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OCBC 365 Credit Card leads with an estimated $696/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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