Side-by-side · honest numbers
Citi Cash Back Card vs UOB PRVI Miles Card
Honest side-by-side comparison of Citi Cash Back Card, UOB PRVI Miles 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
UOB PRVI Miles Card
UOB
Your adjusted comparison
| Feature | Citi Cash Back Card Citi | UOB PRVI Miles Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $411/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 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 8% | 1.4 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| 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.
Share this comparison
https://cardhungry.com/sg/en/compare/citi-cash-back-sg-vs-uob-prvi-miles-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Citi Cash Back Card leads UOB PRVI Miles Card by about $194/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 | UOB PRVI Miles Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $605/yr | $411/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 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 8% | 1.4 miles/S$1 |
| Primary reward cap | $25 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| 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.
More Citi Cash Back Card comparisons
- Citi Cash Back Card vs Citi PremierMiles Card
- Citi Cash Back Card vs DBS Altitude Visa
- Citi Cash Back Card vs DBS Live Fresh Card
- Citi Cash Back Card vs HSBC Advance Credit Card
- Citi Cash Back Card vs HSBC Revolution Credit Card
- Citi Cash Back Card vs Maybank Family & Friends Card
- Citi Cash Back Card vs OCBC 365 Credit Card
- Citi Cash Back Card vs OCBC 90°N Card
- Citi Cash Back Card vs OCBC Titanium Rewards Card
- Citi Cash Back Card vs POSB Everyday Card
- Citi Cash Back Card vs SC Journey Credit Card
- Citi Cash Back Card vs SC Smart Credit Card