Side-by-side · honest numbers
Citi PremierMiles Card vs HSBC Advance Credit Card vs OCBC 365 Credit Card
Honest side-by-side comparison of Citi PremierMiles Card, HSBC Advance Credit Card, OCBC 365 Credit 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 365 Credit Card ranks first for estimated net annual value — ahead of Citi PremierMiles Card by about $324/yr.
| Feature | Citi PremierMiles Card Citi | HSBC Advance Credit Card HSBC | OCBC 365 Credit Card OCBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $192 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $60,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $372/yr | $78/yr | $696/yr |
| Online shopping | — | — | 3% cashback → $15/mo ($180/yr) |
| Groceries (offline) | — | — | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | — | 6% cashback → $18/mo ($216/yr) |
| Fuel | — | — | 6% cashback → $12/mo ($144/yr) |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | 2.5% cashback → $8/mo ($90/yr) | — |
| Top reward rate | 1.2 miles/S$1 | 2.5% | 6% |
| Primary reward cap | $1,000 eligible spend/mo | $200 rewards/mo cap | $80 rewards/mo cap |
| 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?
- OCBC 365 Credit Card has the lowest annual fee at $192.
- Which card earns more on moderate spend?
- OCBC 365 Credit Card leads with an estimated $696/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OCBC 365 Credit 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
HSBC Advance Credit Card
HSBC
OCBC 365 Credit 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 | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2.5% Annual fee$194 Min income$60,000/mo Tap to flip back HSBC Advance Credit Card HSBC | OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$30,000/mo Tap to flip back OCBC 365 Credit Card OCBC |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $192 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $60,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $372/yr | $78/yr | $696/yr |
| Online shopping | — | — | 3% cashback → $15/mo ($180/yr) |
| Groceries (offline) | — | — | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | — | 6% cashback → $18/mo ($216/yr) |
| Fuel | — | — | 6% cashback → $12/mo ($144/yr) |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | 2.5% cashback → $8/mo ($90/yr) | — |
| Top reward rate | 1.2 miles/S$1 | 2.5% | 6% |
| Primary reward cap | $1,000 eligible spend/mo | $200 rewards/mo cap | $80 rewards/mo cap |
| 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 | — | — | — |
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https://cardhungry.com/sg/en/compare/citi-premiermiles-sg-vs-hsbc-advance-sg-vs-ocbc-365More Citi PremierMiles Card comparisons
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