Side-by-side · honest numbers
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
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.
| Feature | Citi PremierMiles Card Citi | DBS Live Fresh Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | Waived at $10,000/yr spend |
| Min income | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $372/yr | $324/yr |
| Online shopping | — | 5% cashback → $25/mo ($300/yr) |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | — |
| Top reward rate | 1.2 miles/S$1 | 5% |
| Primary reward cap | $1,000 eligible spend/mo | $60 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Complimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current threshold | None |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · 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.
Customize your spend
Change spend profile or swap cards — results update live below.
Citi PremierMiles Card
Citi
DBS Live Fresh Card
DBS
Your adjusted comparison
| Feature | CitiPlatinum Citi PremierMiles Card •••• •••• •••• 4242 Quick facts Citi PremierMiles Card Top reward1.2 miles/S$1 Annual fee$194 Min income$50,000/mo Tap to flip back Citi PremierMiles Card Citi | DBSGold DBS Live Fresh Card •••• •••• •••• 4242 Quick facts DBS Live Fresh Card Top reward5% Annual fee$192 Min income$30,000/mo Tap to flip back DBS Live Fresh Card DBS |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | Waived at $10,000/yr spend |
| Min income | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $372/yr | $324/yr |
| Online shopping | — | 5% cashback → $25/mo ($300/yr) |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | — |
| Top reward rate | 1.2 miles/S$1 | 5% |
| Primary reward cap | $1,000 eligible spend/mo | $60 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Complimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current threshold | None |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/sg/en/compare/citi-premiermiles-sg-vs-dbs-live-fresh-sgMore Citi PremierMiles Card comparisons
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