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Citi PremierMiles Card vs DBS Live Fresh Card

Honest side-by-side comparison of Citi PremierMiles Card, DBS Live Fresh 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 PremierMiles Card

Citi

DBS Live Fresh Card

DBS

Your adjusted comparison

Feature
Citi PremierMiles Card credit card

Citi PremierMiles Card

Citi

DBS Live Fresh Card credit card

DBS Live Fresh Card

DBS

Fees & eligibility
Annual fee$194$192
Fee waiver thresholdNo waiver publishedWaived at $10,000/yr spend
Min income$50,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$372/yr$324/yr
Online shopping—$500 × 5% = $25/mo ($300/yr) · issuer max $60/mo
Travel$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo—
Top reward rate1.2 miles/S$15%
Primary reward cap$1,000 eligible spend/mo$60 rewards/mo cap
Perks & restrictions
Lounge accessComplimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~$531/yr combined NAV ($159 vs best solo). Both annual fees apply.

Citi PremierMiles Card details →DBS Live Fresh Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citi PremierMiles Card leads DBS Live Fresh Card by about $48/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

Citi PremierMiles Card vs DBS Live Fresh Card comparison table
FeatureCiti PremierMiles Card

Citi

DBS Live Fresh Card

DBS

Fees & eligibility
Annual fee$194$192
Fee waiver thresholdNo waiver publishedWaived at $10,000/yr spend
Min income$50,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$372/yr$324/yr
Online shopping—$500 × 5% = $25/mo ($300/yr) · issuer max $60/mo
Travel$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo—
Top reward rate1.2 miles/S$15%
Primary reward cap$1,000 eligible spend/mo$60 rewards/mo cap
Perks & restrictions
Lounge accessComplimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
DBS Live Fresh Card has the lowest annual fee at $192.
Which card earns more on moderate spend?
Citi PremierMiles Card leads with an estimated $372/yr net annual value on moderate spend.
Which card has the lower income requirement?
DBS Live Fresh 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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