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?

OCBC 90°N Card leads with an estimated $375/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 vs OCBC 90°N Card

Honest side-by-side comparison of Citi PremierMiles Card, POSB Everyday Card, OCBC 90°N 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, OCBC 90°N Card ranks first for estimated net annual value — ahead of Citi PremierMiles Card by about $3/yr.

Citi PremierMiles Card vs POSB Everyday Card vs OCBC 90°N Card comparison table
Feature	Citi PremierMiles Card Citi	POSB Everyday Card DBS	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	$194	Lifetime free	$194
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$50,000/mo	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$42/yr	$375/yr
Travel	1.2 pts per $1 spend → $7/mo ($86/yr)	—	2.1 pts per $1 spend → $11/mo ($136/yr)
Top reward rate	1.2 miles/S$1	0.3% cashback	2.1 miles/S$1
Primary reward cap	$1,000 eligible spend/mo	No monthly cap published	$800 eligible spend/mo
Perks & restrictions
Lounge access	Complimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Balance transfers	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?: OCBC 90°N Card leads with an estimated $375/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

Change spend profile or swap cards — results update live below.

Card 1

Citi PremierMiles Card

Citi

Card 2

POSB Everyday Card

DBS

Card 3

OCBC 90°N Card

OCBC

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	DBSClassic POSB Everyday Card •••• •••• •••• 4242 Quick facts POSB Everyday Card Top reward0.3% cashback Annual feeLifetime Free Min income$30,000/mo Tap to flip back POSB Everyday Card DBS	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
Fees & eligibility
Annual fee	$194	Lifetime free	$194
Fee waiver threshold	No waiver published	Lifetime free	No waiver published
Min income	$50,000/mo	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$42/yr	$375/yr
Travel	1.2 pts per $1 spend → $7/mo ($86/yr)	—	2.1 pts per $1 spend → $11/mo ($136/yr)
Top reward rate	1.2 miles/S$1	0.3% cashback	2.1 miles/S$1
Primary reward cap	$1,000 eligible spend/mo	No monthly cap published	$800 eligible spend/mo
Perks & restrictions
Lounge access	Complimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current threshold	None	None
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	—

Citi PremierMiles Card details →POSB Everyday Card details →OCBC 90°N Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Citi PremierMiles Card comparisons