Which card has the lower annual fee?

Citi PremierMiles Card has the lowest annual fee at $194.

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?

Citi PremierMiles Card lists a minimum monthly income of $50,000.

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 HSBC Advance Credit Card vs OCBC 90°N Card

Honest side-by-side comparison of Citi PremierMiles Card, HSBC Advance Credit 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

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

HSBC Advance Credit Card

HSBC

Card 3

OCBC 90°N Card

OCBC

Your adjusted comparison

Feature	Citi PremierMiles Card Citi	HSBC Advance Credit Card HSBC	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	$194	$194	$194
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	$50,000/mo	$60,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$78/yr	$375/yr
Travel	$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo	$300 × 2.5% = $7.50/mo ($90/yr) · issuer max $200/mo	$300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo
Top reward rate	1.2 miles/S$1	2.5%	2.1 miles/S$1
Primary reward cap	$1,000 eligible spend/mo	$200 rewards/mo cap	$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 →HSBC Advance Credit Card details →OCBC 90°N Card details →

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Reference summary

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.

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 HSBC Advance Credit Card vs OCBC 90°N Card comparison table
Feature	Citi PremierMiles Card Citi	HSBC Advance Credit Card HSBC	OCBC 90°N Card OCBC
Fees & eligibility
Annual fee	$194	$194	$194
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	$50,000/mo	$60,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$372/yr	$78/yr	$375/yr
Travel	$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo	$300 × 2.5% = $7.50/mo ($90/yr) · issuer max $200/mo	$300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo
Top reward rate	1.2 miles/S$1	2.5%	2.1 miles/S$1
Primary reward cap	$1,000 eligible spend/mo	$200 rewards/mo cap	$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?: Citi PremierMiles Card has the lowest annual fee at $194.
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?: Citi PremierMiles Card lists a minimum monthly income of $50,000.
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

More Citi PremierMiles Card comparisons