Side-by-side · honest numbers
Citi Cash Back Card vs OCBC 90°N Card vs SC Smart Credit Card
Honest side-by-side comparison of Citi Cash Back Card, OCBC 90°N 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
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card ranks first for estimated net annual value — ahead of SC Smart Credit Card by about $110/yr.
| Feature | Citi Cash Back Card Citi | OCBC 90°N Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $30,000/mo | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $725/yr | $375/yr | $615/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) |
| Travel | — | 2.1 pts per $1 spend → $11/mo ($136/yr) | — |
| Top reward rate | 8% | 2.1 miles/S$1 | 6% |
| Primary reward cap | $25 rewards/mo cap | $800 eligible spend/mo | $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?
- 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
OCBC 90°N Card
OCBC
SC Smart 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 | OCBCPlatinum OCBC 90°N Card •••• •••• •••• 4242 Quick facts OCBC 90°N Card Top reward2.1 miles/S$1 Annual fee$194 Min income$50,000/mo Tap to flip back OCBC 90°N Card OCBC | Standard CharteredGold SC Smart Credit Card •••• •••• •••• 4242 Quick facts SC Smart Credit Card Top reward6% Annual feeLifetime Free Min income$30,000/mo Tap to flip back SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $30,000/mo | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $725/yr | $375/yr | $615/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) |
| Travel | — | 2.1 pts per $1 spend → $11/mo ($136/yr) | — |
| Top reward rate | 8% | 2.1 miles/S$1 | 6% |
| Primary reward cap | $25 rewards/mo cap | $800 eligible spend/mo | $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-90-n-sg-vs-sc-smart-sgMore Citi Cash Back Card comparisons
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