Credit Cards for Overseas Spending

Standard Chartered Visa Infinite

35,000 bonus miles when you apply

Complimentary 4 hour yacht hire when you spend $75,000 in 2019

6 complimentary Priority Pass visits per year for principal card

Earn up to 3 miles per $1 spent

Discount hotel and resort privileges

Fees
Promotions
Pay $588.50 principal card annual fee Spend $75000 by 31 Dec 2019 for complimentary yacht hire
Miles/Travel
Standard Chartered 360° Rewards Programme 1.4 Local Currency Miles per dollar and 3.5 Foreign Currency Miles per dollar Complimentary $1M Insurance and 6 Priority Pass visit per year

Overseas Spending
Up to 3 miles per $1 on overseas spend


Annual Fee (1st Year)	$588.50	Annual Fee (2st Year)	$588.50
Late Payment Fee	$80	Annual Fee (3st Year)	$588.50
More Info	$80 fee plus 28% interest on outstanding balance	Annual Fee Ongoing	$588.50
Interest Rates
Purchases Introductory	26.90%	Cash Advance	0.077% daily plus 6% or $15, whichever is greater
Purchases Ongoing	26.90%	Interest Free Period (days)	22
Balance Transfer
Introductory	0% for 6 months	Ongoing	26.90%

UOB PRVI Miles American Express Card

Up to 12,000 Welcome Miles

Up to 7 miles for every $1 spent

Up to 7 miles per $1 on travel purchases

Up to 3 miles per $1 spent on Grab.

Earn 2.4 miles per $1 spent overseas and 1.4 miles per $1 spent locally.

Cash Back
Promotions
Be the first 2,000 cardmembers with a minimum spend of $4,000 within the first 60 days of new card approval Earn up to 7 miles per $1 spent on airline and hotel bookings through Agoda, Expedia, and UOB Travel. This current promotion is valied from 1 April 2019 to 30 June 2019.
Miles/Travel
Earn up to 13 miles on travel purchases. Must open a KrisFleyer UOB account to earn 6 miles per $1 spent. Then use PRVU Card to earn the remaining 7 miles per $1 on select travel purchases. Up to 2 transfers to Chiangi airport per quarter. Must maintain at least $1,000 foreign spend in the same quarter to qualify. Get 20,000 bonus miles every year with minimum $50,000 annual card spend. Flexible redemption options. Can redeem miles at over 40 airlines.

Online Shopping
Earn 1.4 miles per $1 spent on all local purchases.
Overseas Spending
Earn 2.4 miles per $1 on all overseas spending.
Dining
Earn 3 miles per $1 spent at Grab.

Up to $10 cash rebate on contactless payments. Valid from 11 June 2019 to 30 November 2019 but limited to the first 15,0000 registered Cardmembers.
Min Cashback Rate	$0	Min Qualifying Spend	$1
Max Cashback Rate	$10	Max Qualifying Spend	$10
Max Cashback in Month	$10
Fees
Annual Fee (1st Year)	$0.00	Waived Minimum Spend	$50,000
Annual Fee (2st Year)	$256.80 for principal card. First two supplementary cards are free then 128.40 per card	Late Payment Fee	$100
Annual Fee (3st Year)	$256.80 for principal card. First two supplementary cards are free then 128.40 per card	More Info	$100 per month plus 25.9% p.a. interest
Annual Fee Ongoing	$256.80 for principal card. First two supplementary cards are free then 128.40 per card
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% (Subject to minimum $15.00 fee) and 28% p.a. interested calculated daily
Purchases Ongoing	25.90%	Interest Free Period (days)	21
Balance Transfer
Introductory	5.34% p.a for 6 months and 5.20% for 12 months	Ongoing	28%

Maybank Horizon Visa Signature Card

Get $100 cash credit with Maybank credit cards and Creditable

Earn up to 8X TREATS points (3.2 air miles) per $1 spent

Complimentary airport lounge access at select lounges when you charge minimum $1,000 in a singlee transaction on a retail purchase to your card within 3 months of travel

Qualify for the Maybank Save Up Program by owning this card and earn up to 3% p.a. interest

Fees
Promotions
Apply for 2 new Maybank Credit Cards and CreditAble, and charge to your Credit Card and/or withdraw from your CreditAble Account a minimum of $800 within the first two months of approval to receive $100 Cash Credit
Miles/Travel
8x points on Singapore restaurant dining, petrol in Singapore, transport in Singapore, and Agoda.com hotel bookings 5x points on airline ticket purchases, travel packages, and foreign currency transactions Must spend minimum $300 monthly to earn 5x or 8x points Complimentary airport lounge access at select lounges when you charge minimum $1,000 in a singlee transaction on a retail purchase to your card within 3 months of travel

Petrol
8x points on all petrol purchases in Singapore, plus prevailing station discounts

Overseas Spending
Earn 5x points (2 air miles) on foreign currency transactions. Applies to treveling abroad and online-based purchases.
Dining
Earn 8x points on restaurant dining in Singapore


Annual Fee (1st Year)	$0.00	Waived Minimum Spend	$12,000
Annual Fee (2st Year)	$0.00	Late Payment Fee	5% of minimum payment due or $80, whichever is higher
Annual Fee (3st Year)	$0.00	More Info	$100 per month plus 25.9% p.a. interest
Annual Fee Ongoing	$180.00
Interest Rates
Purchases Introductory	25.90%	Cash Advance	5% or minimum $15, whichever is higher
Purchases Ongoing	25.90%	Interest Free Period (days)	20

UOB Visa Infinite Metal Card

25,000 welcome miles with paid annual fee

Up to 2 miles per $1 spent

Earn 2 air miles for every $1 spent overseas and 1.4 miles for local spending

Free SingTel ReadyRoam & airport lounge access

Earn up to 6 KrisFlyer miles per purchase

Purchases Intro 25.90% Fee Year 1 $642 for principal card. First supplementary card is free for the first year. Min Income $150,000

More Details

Purchases Intro 25.90% Fee Year 1 $642 for principal card. First supplementary card is free for the first year. Min Income $150,000

Fees
Promotions
Receive 25,000 welcome miles after paying $642 annual fee and first transaction Earn 2 air miles for every $1 spent overseas and 1.4 miles for local spending
Miles/Travel
2x miles for every $1 spent overseas and 1.4x miles for every $1 spent locally Earn up to 6 KrisFlyer miles when linking Visa Infinite to KrisFlyer UOB account (capped at 5% of monthly average balance) 4 free visits per year to over 1,000 airport lounges with airport companion program by DragonPass

Overseas Spending
2 air miles per $1 spent overseas


Annual Fee (1st Year)	$642 for principal card. First supplementary card is free for the first year.	Annual Fee (2st Year)	Principal Card: $642 Supplementary Card: $288
Late Payment Fee	$100 per month	Annual Fee (3st Year)	Principal Card: $642 Supplementary Card: $288
More Info	$100 per month plus 25.9% p.a. interest	Annual Fee Ongoing	Principal Card: $642 Supplementary Card: $288
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	21
Balance Transfer
Introductory	5.34% p.a for 6 months and 5.20% for 12 months	Ongoing	28%

UOB Privilege Banking Card

UNI$30,000 (equivalent to 60,000 air miles) with $1,926 paid joining fee

Up to 2 air miles for every $1 spent

Earn up to 2 air miles per $1 spent

Complimentary travel benefits with select partners

Free access to private clubs China Club and Tower Club Singapore

Fees
Promotions
Get bonus UNI$30,000 when paying $1,926 annual fee Complimentary weekday green fees at Sentosa Golf Club with a minimum of one paying guest Complimentary welcome amenities such as room upgrade and daily breakfast at over 900 luxury hotels
Miles/Travel
2 air miles per $1 on overseas dining and travel 1.2 air miles pere $1 on all other spend Collect 60,000 air miles each card renewal when paying $1,926 annual fee

Overseas Spending
2 air miles per $1 on overseas dining and travel


Annual Fee (1st Year)	$0.00	Annual Fee (2st Year)	$1,926.00
Late Payment Fee	$100 per month	Annual Fee (3st Year)	$1,926.00
More Info	$100 per month plus 25.9% p.a. interest	Annual Fee Ongoing	$1,926.00
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	21
Balance Transfer
Introductory	5.34% p.a for 6 months and 5.20% for 12 months	Ongoing	28%

UOB Visa Signature Card

Up to $250 cash credit when you apply

Enjoy up to 12 free rides when you SimplyGo with UOB

10X UNI$ on overseas, online, petrol, Visa payWAVE transactions

SMART$ rebates at on-island partners

UOB Fuel Power savings at 98 locations islandwide

Cash Back
Promotions
Up to $250 cash credit when you spend $1,500 in first 30 days with qualifying deposit Tap to pay and earn 10 free rides with UOB Cards and bonus 2 free rides with mobile payment when you spend $40 on transit in a month 10X UNI$ on overseas, online, petrol and contactless transactions

Petrol
UNI$10 for every $5 spent

Overseas Spending
Earn UNI$10 for every $5 spent overseas or online in foreign currencies

10X UNI$ on overseas, online, petrol, Visa payWAVE transactions 1X UNI$ on all other spend
Min Cashback Rate	1.00%	Min Qualifying Spend	$5
Max Cashback Rate	10%
Fees
Annual Fee (1st Year)	$0.00	Waived Minimum Spend	UNI$5500
Annual Fee (2st Year)	$214 for principal card, first supplementary card is free and $107 for subsequent cards	Late Payment Fee	$100 per month
Annual Fee (3st Year)	$214 for principal card, first supplementary card is free and $107 for subsequent cards	More Info	$100 per month plus 25.9% p.a. interest
Annual Fee Ongoing	$214 for principal card, first supplementary card is free and $107 for subsequent cards
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	21
Balance Transfer
Introductory	5.34% p.a for 6 months and 5.20% for 12 months	Ongoing	28%

UOB UnionPay Card

Apply and get up to $150 cash credit

10% off all tickets for 2019 International Champions Cup Singapore

2% cash rebate on all spend with no minimum spend

Up to 21.6% fuel savings at SPC

1-for-1 regular 2D movie tickets at Shaw Theatres

Cash Back
Promotions
Apply and spend minimum $1,500 in the first 30 days to earn $150 cash bonus 10% off all tickets for 2019 International Champions Cup Singapore exclusively at Singapore Indoor Stadium Box Office, Scotts Square Concierge Desk and The Star Performing Arts Centre Box Office

Petrol
Up to 21.6% off petrol purchases at SPC

Overseas Spending
Up to 10% off at over 100 International Airport Duty Free Shops

2% cash rebate on all spend with no minimum spend
Min Cashback Rate	2.00%	Min Qualifying Spend	$0
Max Cashback Rate	2%	Max Qualifying Spend	$2,500
Max Cashback in Month	$50
Fees
Annual Fee (1st Year)	$0.00	Annual Fee (2st Year)	$0.00
Late Payment Fee	$100 per month	Annual Fee (3st Year)	$0.00
More Info	$100 per month plus 25.9% p.a. interest	Annual Fee Ongoing	$192.60 for principal card, first supplementary card is free and $96.30 for subsequent cards
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	21
Balance Transfer
Introductory	5.34% p.a for 6 months and 5.20% for 12 months	Ongoing	28%

HSBC Visa Infinite Credit Card

Welcome gift of 35,000 air miles

Unlimited access to Priority Pass lounges

Complimentary limousine transfers and expedited immigration clearance

Earn up to 2.25 air miles for every $1 spent

Fees
Promotions
Express your interest to earn 35,000 air miles
Miles/Travel
Earn up to 2.25 air miles per $1 spent on overseas spend Earn up to 1.25 miles per $1 on local spend MIles redeemable at over 40 airlines

Overseas Spending
Earn 2.25 miles per $1 spent with minimum $50,000 spend in previous year Regular earn rate is 2 miles per $1 spent on overseas spending


Annual Fee (1st Year)	$650 ($488 for HSBC Premier members)	Annual Fee (2st Year)	$650 ($488 for HSBC Premier members)
Late Payment Fee	$55	Annual Fee (3st Year)	$650 ($488 for HSBC Premier members)
More Info	Subject to minimum $2.50 finance charge	Annual Fee Ongoing	$650 ($488 for HSBC Premier members)
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	20
Balance Transfer
Introductory	1.68% for 6 months	Ongoing	28%

HSBC Premier Mastercard Credit Card

Cashback up to $240

Luggage up to $620 worth of welcome rewards

Save up to $1,800 annually with 5% cash rebate on dining, groceries, petrol and transport (includes taxis, buses, trains), both locally and overseas

1x Rewards points for every dollar spent

Suite of travel privileges

Cash Back
Promotions
$180 cashback for principal application. $30 for supplementary application, capped at 2 supplementary applications. Samsonite T5 68cm Spinner with built-in scale worth $560 for principal card application. and $30 each for the first two supplementary card applications
Miles/Travel
Complimentary Quayside single-trip service at JetQuay CIP Terminal at Singapore Changi Airport until 31 October 2019 Discounted LoungeKey access Unlimited Wi-Fi through Boingo at 1million hotspots worldwide
No Annual Fee
Maintain HSBC Premier membership
Petrol
Up to 16% instant discount plus 5% cash rebate on your petrol spend at Caltex and Shell Stations in Singapore

Overseas Spending
Up to 5% back on dining, groceries, petrol, and transport overseas
Dining
Up to 5% back

Luggage
Samsonite T5 68cm Spinner with built-in scale worth $560 with minimum $800 charge in the first month
5% cash rebate on dining, petrol, and transit (both local and abroad) 1x point for non-bonus spend
Min Cashback Rate	1.00%	Min Qualifying Spend	$600 to earn 5% back
Max Cashback Rate	5%	Max Qualifying Spend	$3,000
Max Cashback in Month	$150
Fees
Late Payment Fee	$55	More Info	Subject to minimum $2.50 finance charge
Interest Rates
Purchases Introductory	25.90%	Cash Advance	6% with a minimum $15.00 fee plus 28% p.a.
Purchases Ongoing	25.90%	Interest Free Period (days)	20
Balance Transfer
Introductory	1.68% for 6 months	Ongoing	28%

OCBC Titanium Rewards Credit Card

Get $50 cash rebate upon approval

10x OCBC$ on your shopping

Earn 10x OCBC$ for every $1 on select purchases

Complimentary use of JetQuay Quayside until 31 October 2019

Discount LoungeKey access atUSD $27 per person per visit

Cash Back
Promotions
Application must be made on or before 31st July 2019 and approved by 31st August 2019. No minimum spend required. Earn 10x OCBC$ for every $1 spent (capped at 120,000 OCBC$ within one year starting from the month in which your card was issued)
Miles/Travel
Complimentary use of JetQuay Quayside until 31 October 2019 Discounted LoungeKey access

Online Shopping
Up to 10x points on online spending for clothing, department stores, electronics and gadgets, and select online merchants
Overseas Spending
Up to 10x OCBC$ on select bonus purchases.

10x points on clothing, department stores, electronics and gadgets 1x OCBC$ on all non-bonus spend
Min Cashback Rate	1.00%	Min Qualifying Spend	$0
Max Cashback Rate	10%	Max Qualifying Spend	$1,000
Max Cashback in Month	$10,000 OCBC
Fees
Annual Fee (1st Year)	$0.00	Waived Minimum Spend	$10,000
Annual Fee (2st Year)	$0.00	Late Payment Fee	$100
Annual Fee (3st Year)	$192.60 for principal card and $96.30 per supplementary card	More Info	Subject to minimum $2.50 finance charge
Annual Fee Ongoing	$192.60 for principal card and $96.30 per supplementary card
Interest Rates
Purchases Introductory	26.88%	Cash Advance	6% with a minimum $15.00 fee plus 28.92% p.a.
Purchases Ongoing	26.88%	Interest Free Period (days)	23
Balance Transfer
Introductory	0% for 1 year	Ongoing	28.92%

OCBC Voyage Card

Get 15,000 complimentary VOYAGE miles with a $488 annual fee

Get 150,000 VOYAGE miles with a $3,210 annual fee

2.4 miles on overseas spend

1.6 miles on local dining

1.2 miles on local retail spend

Purchases Intro 26.88% Fee Year 1 Principal card: $488 with 15,000 VOYAGE Miles or $3,210 with 150,000 Miles. First two supplementary cards are free for the first year. Min Income $120,000

More Details

Fees
Promotions
Pay $488 annual fee for principal card Pay $3,210 annual fee for principal card The first metal cards to let you redeem miles for flights on all airlines without blackout dates
Miles/Travel
Up to 2.4 miles oer $1 on purchases Waiver of $25 KrisFlyer Miles redemption admin fee Complimentary Plaza Premium Lounge access

Petrol
Instant 19% off on fuel spend at Caltex with no minimum spending required

Overseas Spending
2.6 miles per $1 spent in foreign currency Free limosine transfer with minimum monthly spend of $1500 in foreign currency or $3000 in local and foreign spend
Dining
1.6 miles per $1 spent on local dining


Annual Fee (1st Year)	Principal card: $488 with 15,000 VOYAGE Miles or $3,210 with 150,000 Miles. First two supplementary cards are free for the first year.	Annual Fee (2st Year)	Principal card: $488 with 15,000 VOYAGE miles or $3,210 with 150,000 miles. Each supplementary card is $188.
Late Payment Fee	$100	Annual Fee (3st Year)	Principal card: $488 with 15,000 VOYAGE miles or $3,210 with 150,000 miles. Each supplementary card is $188.
More Info	Subject to minimum $2.50 finance charge	Annual Fee Ongoing	Principal card: $488 with 15,000 VOYAGE miles or $3,210 with 150,000 miles. Each supplementary card is $188.
Interest Rates
Purchases Introductory	26.88%	Cash Advance	6% with a minimum $15.00 fee plus 28.92% p.a.
Purchases Ongoing	26.88%	Interest Free Period (days)	23
Balance Transfer
Introductory	0% for 1 year	Ongoing	28.92%

DBS Altitude Card

Earn 4 miles per $1 on your Singapore Airline tickets booked through DBS Travel Marketplace

From 1 Jul to 31 Dec 2019, enjoy 1 additional mile on everything you spend, with a lower admin fee of just 2% of your retail spend

Complimentary Priority Pass™ membership

Up to 4x miles on travel purchases

Exclusive flight and hotel discounts

Fees
Promotions
Earn 4x miles on Singapore Airline tickets through 31 December 2019 Register and earn 1 bonus mile per $1 until 30 December 2019
Miles/Travel
4 miles per $1 on Singapore Airlines purchases through DBS Travel MarketPlace 3 mles per $1 on online flight and hotel transactions Miles never expire

Overseas Spending
2 miles per $1 on overseas spend


Waived Minimum Spend	$25,000	Annual Fee (2st Year)	$192.60 (Principal card) $96.30 (each Supplementary card)
Late Payment Fee	$100	Annual Fee (3st Year)	$192.60 (Principal card) $96.30 (each Supplementary card)
More Info	Only assessed if outstanding balance is $50.01 or above	Annual Fee Ongoing	$192.60 (Principal card) $96.30 (each Supplementary card)
Interest Rates
Purchases Introductory	26.8% (Minimum charge: $2.50)	Cash Advance	28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Purchases Ongoing	26.8% (Minimum charge: $2.50)	Interest Free Period (days)	20
Balance Transfer
Introductory	0% for up to 12 months	Ongoing	26.80%

DBS Treasures Black Elite Card

Apply now and enjoy up to 48,000 miles

Earn 50% more miles on your card spend in the first 3 months from card approval date

Up to 3.2 miles per $1 spent

24/7 concierge service wherever you are

Redeem a one-way private limousine transfer from just 2,500 DBS Points

Fees
Promotions
Charge a minimum of $6,000 within the first 3 months from card approval Charge a minimum of $6,000 within the first 3 months from card approval 50% more miles, capped at 10K miles per CM
Miles/Travel
3.2 miles at select luxury boutiques with minimum $300 in a single receipt 2.4 miles for all overseas spend 1.2 miles for all local spend
No Annual Fee
Fee waived for DBS Treasures clients

Overseas Spending
2.4 miles for all overseas spend
Dining
Special offers at over 1,000 dining partners


Annual Fee (1st Year)	$535.00	Waived Minimum Spend	Maintain DBS Treasures membership
Annual Fee (2st Year)	$535.00	Late Payment Fee	$100
Annual Fee (3st Year)	$535.00	More Info	Only assessed if outstanding balance is $50.01 or above
Annual Fee Ongoing	$535.00
Interest Rates
Purchases Introductory	26.8% (Minimum charge: $2.50)	Cash Advance	28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Purchases Ongoing	26.8% (Minimum charge: $2.50)	Interest Free Period (days)	20
Balance Transfer
Introductory	0% for up to 12 months	Ongoing	26.80%

DBS Woman's World Card

0% interest payment plans over 12 months

Earn up to 10x points on online spending

Up to 10X DBS Points (or 20 miles) per $5 spent on online and overseas purchases

3X DBS Point (or 6 miles) on overseas purchases

0% Interest Payment Plans over 12 months

Cash Back
Promotions
Split your payment with 0% interest & a low processing fee for up to 24 months Earn 10x DBS points for the first $2000 online spend each month
Miles/Travel
Each DBS Points can be coverted into 2 KrisFlyer miles Complimentary use of Quayside single trip service for DBS Woman’s World principal cardholder and 1 companion traveling on the same flight

Petrol
14% instant fuel savings at Esso
Online Shopping
10x DBS Points for online spend
Overseas Spending
3x DBS Points on overseas purchases
Dining
1-for-1 buffet specials at select dining partners

10x DBS Points per $5 for online spending 3x DBS Points for overseas spending 1x DBS Points for non-bonus spend
Min Cashback Rate	1.00%	Min Qualifying Spend	$5
Max Cashback Rate	10%	Max Qualifying Spend	$2000 for 10x bonus
Fees
Waived Minimum Spend	$25,000	Annual Fee (2st Year)	$192.60 (Principal Card) $96.30 (each Supplementary Card)
Late Payment Fee	$100	Annual Fee (3st Year)	$192.60 (Principal Card) $96.30 (each Supplementary Card)
More Info	Only assessed if outstanding balance is $50.01 or above	Annual Fee Ongoing	$192.60 (Principal Card) $96.30 (each Supplementary Card)
Interest Rates
Purchases Introductory	26.8% (Minimum charge: $2.50)	Cash Advance	28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Purchases Ongoing	26.8% (Minimum charge: $2.50)	Interest Free Period (days)	20
Balance Transfer
Introductory	0% for up to 12 months	Ongoing	26.80%

DBS Takashimaya Visa Card

5% voucher rebates at Takashimaya

Redeem $10 Takashimaya Shopping Voucher with every $2000 spent outside Takashimaya Department Store per quarter.

5% voucher rebates on Takashimaya purchases

$6 top-up to your CashCard for parking when you charge at least $250 to your Card in-store

Enjoy complimentary delivery service when you meet the following spend amount: During Takashimaya 10% Promotion Day: $200 All other days: $100

Cash Back
Promotions
Earn 2 Takashimaya Bonus Points with every $12 charged All Cardmembers are entitled to earn $10 shopping voucher for every $2,000 charged outside of Takashimaya Department Store in Singapore per calendar quarter

Petrol
14% instant fuel savings at Esso service stations

Overseas Spending
Up to 5% voucher at overseas Takashimaya locations
Dining
Dining deals at over 1000 outlets islandwide

5% at Takashimaya Singapore Up to 5% vouchers at overseas Takashimaya locations 0.5% on non-Takashimaya spend islandwide
Min Cashback Rate	0.50%	Min Qualifying Spend	$12
Max Cashback Rate	5%
Fees
Annual Fee (2st Year)	$192.60 (Principal Card) $96.30 (per Supplementary Card)	Late Payment Fee	$100
Annual Fee (3st Year)	$192.60 (Principal Card) $96.30 (per Supplementary Card)	More Info	Only assessed if outstanding balance is $50.01 or above
Annual Fee Ongoing	$192.60 (Principal Card) $96.30 (per Supplementary Card)
Interest Rates
Purchases Introductory	26.8% (Minimum charge: $2.50)	Cash Advance	28% p.a. Effective 1 August 2019, Cash Advance fee will be revised from 6% to 8% of the amount withdrawn, subject to a minimum charge of $15.
Purchases Ongoing	26.8% (Minimum charge: $2.50)	Interest Free Period (days)	20
Balance Transfer
Introductory	0% for up to 12 months	Ongoing	26.80%

Citi PremierMiles Visa Card

Welcome gift of 37,300 Citi Miles

Welcome gift of 10,000 Citi Miles

Earn 2 Citi Miles on foreign currency spend

Earn 1.2 Citi Miles on local spend

Earn up to 10 Citi Miles per $1 spent on online travel bookings

Fees
Promotions
Spend $9,000 within 3 months to earn 37,300 Citi Miles Spend $3,000 within 3 months to earn 10,000 Citi Miles Can only qualify for either 10,000 bonus miles or 37,300 bonus miles
Miles/Travel
Earn up to 10 Citi Miles per $1 spent on online travel bookings 2 complimentary Priority Pass visits per calendar year 1 Citi Mile = 1 mile with Krisflyer, Asia Miles, Qantas and other airlines’ frequent flyer and hotel loyalty programs
No Annual Fee
No annual fee for supplementary cards. No annual fee for supplementary cards.
Petrol
Up to 14% petrol savings at Esso and Shell
Online Shopping
1.2 Citi Miles for local online purhcases
Overseas Spending
2 Citi Miles per $1 in foreign currency transactions
Dining
1.2 Citi Miles on local dining spend 2 Citi Miles on foreign dining spend


Annual Fee (2st Year)	$192.60	Late Payment Fee	$100
Annual Fee (3st Year)	$192.60	More Info	If the Minimum Payment Due is not received on or before the Payment Due Date, a Late PaymentCharge of $100 will be levied
Annual Fee Ongoing	$192.60
Interest Rates
Purchases Introductory	20.90%	Cash Advance	26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Purchases Ongoing	26.90%	Interest Free Period (days)	25
Balance Transfer
Introductory	20.90%	Ongoing	26.90%

Citi Cashback Card

Welcome gift of $120 cashback

Up to 20.88% fuel savings

8% cashback on dining, groceries, and petrol

Up to 20.88% fuel savings at Esso and Shell

0.25% cashback on all non-bonus spend

Cash Back
Promotions
Spend $1200 in the first 3 months to earn $120 bonus cash Up to 20.88% fuel savings at Esso and Shell
Miles/Travel
Up to $1 million in travel insurance on travel ticket purchases

Petrol
8% cashback on petrol (up to $25 per month)
Online Shopping
0.25% back on purchases
Overseas Spending
8% back on dining worldwide 8% back on groceries worldwide 8% back on petrol purchases worldwide
Dining
8% cashback on dining (up to $25 bonus cash) $10 return voucher at Soup Restaurant $10 return voucher at Paradise Group of Restaurants

8% cashback on dining, groceries, and petrol (up to $25 bonus cash per category) 0.25% on all non-bonus purchases (no cap)
Min Cashback Rate	0.25%	Min Qualifying Spend	$888
Max Cashback Rate	8%	Max Qualifying Spend	$1200 ($400 per bonus category)
Fees
Annual Fee (2st Year)	Principal Card annual fee : $192.60Supplementary Card annual fee : $96.30	Late Payment Fee	$100
Annual Fee (3st Year)	Principal Card annual fee : $192.60Supplementary Card annual fee : $96.30	More Info	If the Minimum Payment Due is not received on or before the Payment Due Date, a Late PaymentCharge of $100 will be levied
Annual Fee Ongoing	Principal Card annual fee : $192.60Supplementary Card annual fee : $96.30
Interest Rates
Purchases Introductory	20.90%	Cash Advance	26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Purchases Ongoing	26.90%	Interest Free Period (days)	25
Balance Transfer
Introductory	20.90%	Ongoing	26.90%

Citi Prestige Credit Card

Welcome gift of 62,500 Citi ThankYou Points

or Gadget Welcome Gift

5 ThankYou points on foreign spend and 3.25 ThankYou points on everything else

Complimentary night stay when you book a minimum consecutive four-night stay at any hotel or resort

Unlimited complimentary access to Priority Pass airport lounges, eight complimentary one-way airport limousine transfers

Purchases Intro 20.90% Fee Year 1 $535.00 Min Income $120,000

More Details

Purchases Intro 20.90% Fee Year 1 $535.00 Min Income $120,000

Fees
Promotions
Receive 62,500 bonus points when you pay $535 annual fee Receive a tablet or Dyson Supersonic Hairdryer HD03 Annual fee is $535 for principal card. No annual fee for supplementary card.
Miles/Travel
5x ThankYou points (2 miles) per $1 spent overseas 3.25 ThankYou points (1.3 miles) per $1 on all local spend Unlimited complimentary access to hundreds of Priority Pass airport lounges, eight complimentary one-way airport limousine transfers

Petrol
Up to 14% petrol savings at Esso and Shell
Online Shopping
10% off at In Good Company 3.25 ThankYou points per $1 on local spend
Overseas Spending
5 ThankYou points per $1 on overseas spend
Dining
Up to 20% off at select restaurants


Annual Fee (1st Year)	$535.00	Late Payment Fee	$100
More Info	If the Minimum Payment Due is not received on or before the Payment Due Date, a Late PaymentCharge of $100 will be levied	Annual Fee Ongoing	$535.00
Interest Rates
Purchases Introductory	20.90%	Cash Advance	26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Purchases Ongoing	26.90%	Interest Free Period (days)	25
Balance Transfer
Introductory	20.90%	Ongoing	26.90%

Citi Clear Card

Welcome gift of $20 cashback

Exclusive dining deals

Earn 1X Point for every $1 spend

No minimum income

Use your points to pay for any purchase

Cash Back
Promotions
Spend $50 in the first month Special discounts at select dining partners No minimum income required
Miles/Travel
Up to 10% back for hotel bookings at Booking.com

Petrol
Up to 14% petrol savings at Esso and Shell
Online Shopping
10% off at Love and Bravery Exclusive online shopping deals 1x points on online purchases
Overseas Spending
1x points on overseas purchases Discounts in 90 other countries
Dining
Discounts at over 1,000 dining partners
Student
No minimum income required Tertiary students can apply Can apply at age 18 with parent's permission

1x points per $1 spent
Min Cashback Rate	1%	Max Cashback Rate	1%
Fees
Annual Fee (2st Year)	$29.96	Late Payment Fee	$40
More Info	If the Minimum Payment Due is not received on or before the Payment Due Date, a Late PaymentCharge of $40 will be levied	Annual Fee Ongoing	$29.96
Interest Rates
Purchases Introductory	28.00%	Cash Advance	28% plus $15 or 6% of amount withdrawn, whichever is greater.
Purchases Ongoing	28.00%	Interest Free Period (days)	25
Balance Transfer
Introductory	20.90%	Ongoing	26.90%

Citi ULTIMA Card

Welcome gift of 375,000 Citi ThankYou points upon paying annual fee

Purchase a full fare on 8 airlines and companion fare is free

Unlimited Priority Pass airport lounge membership

Complimentary green fees and buggy at select golf courses

Cash Back
Promotions
Pay $4160.16 annual fee to earn bonus points that are worth 150,000 miles Membership by invite only.
Miles/Travel
Companion fare is free with purchase of full fare on 8 airlines Unlimited Priority Pass access Complimentary air travel, hotel, golf, and dining benefits

Petrol
Up to 14% fuel savings at Esso and Shell
Online Shopping
4x ThankYou points for local online purchases
Overseas Spending
5x ThankYou points on overseas spend
Dining
Up to 25% savings at select dining partners

5x Citi ThankYou points on overseas spend 4x Citi ThankYou points for local spend
Min Cashback Rate	4%	Max Cashback Rate	5%
Fees
Annual Fee (1st Year)	$4,160.16	Annual Fee (2st Year)	$4,160.16
Annual Fee (3st Year)	$4,160.16	Annual Fee Ongoing	$4,160.16
Interest Rates
Purchases Introductory	20.90%	Cash Advance	26.9% p.a. and $15 or 6% of the amount withdrawn, whichever is greater
Purchases Ongoing	26.90%	Interest Free Period (days)	25
Balance Transfer
Introductory	20.90%	Ongoing	26.90%

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