Side-by-side · honest numbers
Citi PremierMiles Card vs OCBC Titanium Rewards Card vs UOB PRVI Miles Card
Honest side-by-side comparison of Citi PremierMiles Card, OCBC Titanium Rewards Card, UOB PRVI Miles 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, UOB PRVI Miles Card ranks first for estimated net annual value — ahead of Citi PremierMiles Card by about $39/yr.
| Feature | Citi PremierMiles Card Citi | OCBC Titanium Rewards Card OCBC | UOB PRVI Miles Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $372/yr | -$50/yr | $411/yr |
| Online shopping | — | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | 4 pts per $1 spend → $5/mo ($58/yr) | 1.4 pts per $1 spend → $8/mo ($101/yr) |
| Top reward rate | 1.2 miles/S$1 | 10X OCBC$ | 1.4 miles/S$1 |
| Primary reward cap | $1,000 eligible spend/mo | $120 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 | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| 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?
- UOB PRVI Miles Card leads with an estimated $411/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OCBC Titanium Rewards 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
OCBC Titanium Rewards Card
OCBC
UOB PRVI Miles Card
UOB
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$50,000/mo Tap to flip back Citi PremierMiles Card Citi | OCBCPlatinum OCBC Titanium Rewards Card •••• •••• •••• 4242 Quick facts OCBC Titanium Rewards Card Top reward10X OCBC$ Annual fee$194 Min income$30,000/mo Tap to flip back OCBC Titanium Rewards Card OCBC | UOBPlatinum UOB PRVI Miles Card •••• •••• •••• 4242 Quick facts UOB PRVI Miles Card Top reward1.4 miles/S$1 Annual fee$256 Min income$80,000/mo Tap to flip back UOB PRVI Miles Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $30,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $372/yr | -$50/yr | $411/yr |
| Online shopping | — | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — |
| Travel | 1.2 pts per $1 spend → $7/mo ($86/yr) | 4 pts per $1 spend → $5/mo ($58/yr) | 1.4 pts per $1 spend → $8/mo ($101/yr) |
| Top reward rate | 1.2 miles/S$1 | 10X OCBC$ | 1.4 miles/S$1 |
| Primary reward cap | $1,000 eligible spend/mo | $120 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 | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/sg/en/compare/citi-premiermiles-sg-vs-ocbc-titanium-sg-vs-uob-prvi-miles-sgMore Citi PremierMiles Card comparisons
- Citi PremierMiles Card vs Citi Cash Back Card
- Citi PremierMiles Card vs DBS Altitude Visa
- Citi PremierMiles Card vs DBS Live Fresh Card
- Citi PremierMiles Card vs HSBC Advance Credit Card
- Citi PremierMiles Card vs HSBC Revolution Credit Card
- Citi PremierMiles Card vs Maybank Family & Friends Card
- Citi PremierMiles Card vs OCBC 365 Credit Card
- Citi PremierMiles Card vs OCBC 90°N Card
- Citi PremierMiles Card vs POSB Everyday Card
- Citi PremierMiles Card vs SC Journey Credit Card
- Citi PremierMiles Card vs SC Smart Credit Card
- Citi PremierMiles Card vs UOB One Card