American Express Singapore Airlines KrisFlyer Credit Card vs Citi Rewards Card
Compare American Express Singapore Airlines KrisFlyer Credit Card, Citi Rewards Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express American Express Singapore Airlines KrisFlyer Credit Card | CitiSignature •••• •••• •••• •••• Credit Card CompareVisa Citi Rewards Card |
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Card details
CardIQ
How we calculate scores| Overall | 47Fair | 55Good Highest |
|---|---|---|
| No annual fee | 42/100 | 42/100 |
| Rewards | 51/100 | 67/100Highest |
The basics
| Card tier | Not published | Signature |
|---|---|---|
| Card type | American Express | Visa |
| Credit rating | Not published | Not published |
| Rewards program | Singapore Airlines KrisFlyer | Citi ThankYou Rewards |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | Not specified | S$30,000 p.a. |
| Residency | Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet) | Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 22 days | Up to 25 daysHighest |
|---|---|---|
| Minimum repayment | 3% of the outstanding balance plus overdue minimum payments, late payment charges and any amount over the credit limit, or S$50, whichever is greater | Greater of (a) 1% of the current balance plus 1% of unbilled instalments, all interest, instalment fees and late payment charges, or (b) S$50; plus any overdue amounts; a balance under S$50 is due in full |
Rates & fees
Ongoing interest rates
| Purchases | 27.80% p.a.Lowest | 27.90% p.a. |
|---|---|---|
| Cash advances | 26.90% p.a.Lowest | 27.90% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$54.50Lowest | S$98.10 |
| Cash advance fee | 5% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1.1 pts per S$1 | 1 pt per S$1 |
|---|---|---|
| Bonus categories | 2 pts per S$1 in bonus categories | 10 pts per S$1 in bonus categories, up to S$1,000 per statement period |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | 60 months from the card approval date; each later period starts when the previous one ends |
| Estimated annual points | 55,600 ptsWorth S$834 | 76,000 ptsWorth S$456Highest |
Sign-up bonus
| Sign-up bonus | 16,000 points | 40,000 pointsHighest |
|---|---|---|
| Bonus spend required | S$2,000 within the first 3 months of card approval (new to American Express; promotion 17 June 2026 to 31 January 2027) | S$800 qualifying spend within 2 months of account opening (new Citi main cardmembers; promotion valid to 31 March 2027) |
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- American ExpressCiti