Side-by-side · honest numbers
Citi Cash Back Card vs OCBC 90°N Card
Honest side-by-side comparison of Citi Cash Back Card, OCBC 90°N 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 90°N Card
OCBC
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | OCBC 90°N Card OCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $375/yr |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Travel | — | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo |
| Top reward rate | 8% | 2.1 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | $800 eligible spend/mo |
| 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-ocbc-90-n-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card leads OCBC 90°N Card by about $230/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 | OCBC 90°N Card OCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $375/yr |
| Groceries (offline) | $500 × 8% = $25/mo ($300/yr) · cap reached | — |
| Dining & delivery | $300 × 8% = $24/mo ($288/yr) · issuer max $25/mo | — |
| Travel | — | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo |
| Top reward rate | 8% | 2.1 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | $800 eligible spend/mo |
| 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?
- 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 $605/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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