Which card has the lower annual fee?

POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).

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?

POSB Everyday 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.

Side-by-side · honest numbers

Citi PremierMiles Card vs POSB Everyday Card

Honest side-by-side comparison of Citi PremierMiles Card, POSB Everyday 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.

Card 1

Citi PremierMiles Card

Citi

Card 2

POSB Everyday Card

DBS

Your adjusted comparison

Feature	Citi PremierMiles Card Citi	POSB Everyday Card DBS
Fees & eligibility
Annual fee	$194	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	$50,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$42/yr
Travel	$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo	—
Top reward rate	1.2 miles/S$1	0.3% cashback
Primary reward cap	$1,000 eligible spend/mo	No monthly cap published
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	—	—

Stack mode (hold both)

Cap-aware split: ~$375/yr combined NAV ($3 vs best solo). Both annual fees apply.

Citi PremierMiles Card details →POSB Everyday Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Citi PremierMiles Card leads POSB Everyday Card by about $330/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 POSB Everyday Card comparison table
Feature	Citi PremierMiles Card Citi	POSB Everyday Card DBS
Fees & eligibility
Annual fee	$194	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	$50,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$42/yr
Travel	$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo	—
Top reward rate	1.2 miles/S$1	0.3% cashback
Primary reward cap	$1,000 eligible spend/mo	No monthly cap published
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?: POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).
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?: POSB Everyday 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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