Citi Cash Back+ Card vs UOB One Card
Compare Citi Cash Back+ Card, UOB One 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 | UOB •••• •••• •••• •••• Credit Card Compare UOB One Card |
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Card details
CardIQ
How we calculate scores| Overall | 50Fair Highest | 36Basic |
|---|---|---|
| Cashback | 88/100Highest | 68/100 |
| No annual fee | – | 27/100 |
| 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 55 and below (S$30,000 a year) or 56 and above (S$15,000 a year); foreigner (S$40,000 a year); or a fixed deposit of at least S$10,000 |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Yes (~60 seconds) |
Repayments
| Interest-free period | Up to 25 days | Not published |
|---|---|---|
| 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 | 3% of current balance or S$50, whichever is higher, plus any overdue amounts |
Rates & fees
Ongoing interest rates
| Purchases | 27.90% p.a. | 27.80% p.a.Lowest |
|---|---|---|
| Cash advances | 27.90% p.a.Lowest | 28.50% p.a. |
Fees
| Annual fee | S$196.20 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$0Lowest |
| 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$320 | — |
|---|---|---|
| Spend required | S$4,000 in 2 months | — |
| Ongoing cashback | 1.6% on eligible spend | 3.33% 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). | Quarterly cashback of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,000 of spend and at least 10 purchases in each month of the quarter (up to 3.33%); extra cashback at named merchants and on groceries (up to 10% in all) for cardmembers awarded the quarterly cashback, extra capped at S$100 a month. If no quarterly cashback is awarded in a calendar year, a base cashback of 0.03% of the year's spend is credited the next February. |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards