Citi PremierMiles vs OCBC 365 Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Citi PremierMiles comes out ahead on estimated net value — about $343.20/yr more than the OCBC 365 Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Citi PremierMiles Best valuePopular | OCBC 365 Credit Card |
|---|---|---|
| Issuer | Citibank | OCBC |
| Annual fee | $196.20 / year | $196.20 / year |
| Welcome bonus | 30,000 miles | — |
| Min. income (monthly) | SGD 30,000 | SGD 30,000 |
| Reward type | miles | cashback |
| Headline rate | 1.2× miles | 6% cashback |
| Bonus categories | travel, international | fuel, dining, groceries, transport |
| Lounge access | Yes | No |
| Foreign tx fee | 3.25% | 3.25% |
| Est. net value / yr | $1,695 | $1,351.80 |
| Apply | Apply |
Frequently asked questions
- Citi PremierMiles vs OCBC 365 Credit Card: which is better?
- On our reference spend profile the Citi PremierMiles delivers higher estimated net value than the OCBC 365 Credit Card in Singapore, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Citi PremierMiles and OCBC 365 Credit Card?
- Citi PremierMiles: $196.20 / year. OCBC 365 Credit Card: $196.20 / year.
- Which earns more rewards, Citi PremierMiles or OCBC 365 Credit Card?
- Citi PremierMiles earns 1.2× miles; OCBC 365 Credit Card earns 6% cashback. We rank by net value after fees, not headline rate alone.