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Citi PremierMiles Card vs SC Journey Credit Card

Honest side-by-side comparison of Citi PremierMiles Card, SC Journey 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

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.

Citi PremierMiles Card

Citi

SC Journey Credit Card

Standard Chartered

Your adjusted comparison

Feature
Citi PremierMiles Card credit card

Citi PremierMiles Card

Citi

SC Journey Credit Card

SC Journey Credit Card

Standard Chartered

Fees & eligibility
Annual fee$194$194
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$372/yr$415/yr
Travel$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo
Top reward rate1.2 miles/S$13X 360° points
Primary reward cap$1,000 eligible spend/mo$500 eligible spend/mo
Perks & restrictions
Lounge accessComplimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current thresholdAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Citi PremierMiles Card details →SC Journey Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Journey Credit Card leads Citi PremierMiles Card by about $43/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 SC Journey Credit Card comparison table
FeatureCiti PremierMiles Card

Citi

SC Journey Credit Card

Standard Chartered

Fees & eligibility
Annual fee$194$194
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$50,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$372/yr$415/yr
Travel$300 → 360 pts/mo × $0.02/pt = $7.20/mo ($86/yr) · issuer max $1,000/mo$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo
Top reward rate1.2 miles/S$13X 360° points
Primary reward cap$1,000 eligible spend/mo$500 eligible spend/mo
Perks & restrictions
Lounge accessComplimentary lounge visits at select airports · Minimum spend required — see issuer T&Cs for current thresholdAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusionsInsurance · Government payments · Balance transfersInsurance · 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?
SC Journey Credit Card leads with an estimated $415/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.

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