Citi Cash Back+ Card vs OCBC 365 Credit Card
Compare Citi Cash Back+ Card, OCBC 365 Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Citi •••• •••• •••• •••• Credit Card CompareMastercard Citi Cash Back+ Card | OCBC •••• •••• •••• •••• Credit Card Compare OCBC 365 Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 50Fair Highest | 46Fair |
|---|---|---|
| Cashback | 88/100Highest | 79/100 |
| Rewards | 13/100 | 13/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Mastercard | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a. | S$30,000 p.a. |
| Residency | Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year) | Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 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 25 daysHighest | Up to 23 days |
|---|---|---|
| Minimum repayment | 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 | S$50 or 3% of the total balance, whichever is higher, and any overdue amount |
Rates & fees
Ongoing interest rates
| Purchases | 27.90% p.a. | 27.78% p.a.Lowest |
|---|---|---|
| Cash advances | 27.90% p.a.Lowest | 28.92% p.a. |
Fees
| Annual fee | S$196.20 p.a. | S$196.20 p.a. |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$98.10 |
| Cash advance fee | 8% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
Cashback
| Sign-up cashback | S$320Highest | S$300 |
|---|---|---|
| Spend required | S$4,000 in 2 months | S$800 in 2 months |
| Ongoing cashback | 1.6% on eligible spend | 0.25% on eligible spend |
| Cashback cap | No minimum spend and no cap. Citi Plus customers with a Citi Interest Booster Account earn a 0.4% bonus on the Mastercard with S$500 to S$2,000 of eligible spend a calendar month (at most S$8 a month). | S$160 per month |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards