Citi Cash Back Card vs DBS Live Fresh Card
Compare Citi Cash Back Card, DBS Live Fresh Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Citi Cash Back Card |  DBS Live Fresh Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 37Basic Highest | 36Basic |
|---|---|---|
| Cashback | 74/100 | 75/100Highest |
| No annual fee | – | 43/100 |
| Rewards | 0/100 | 8/100Highest |
| Sign-up bonus | – | 20/100 |
The basics
| Card tier | Platinum | Platinum |
|---|---|---|
| Card type | Not published | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | DBS$ |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | HK$120,000 p.a.Lowest | HK$150,000 p.a. |
| Residency | Not published | Hong Kong resident |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 58 days | Up to 60 daysHighest |
|---|---|---|
| Minimum repayment | a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance…and c. 1.5% of the unbilled principal of the Loan…Subject to a minimum of HK$300/CNY300 per month. | 1% of the statement balance excluding all charges, fees, costs, expenses, interests and/or finance charges posted to the credit card account; or HK$300, whichever is higher plus any outstanding minimum payment. |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 31.10% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a. | 29.42% p.a.Lowest |
Fees
| Annual fee | HK$1,800 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$900 |
| Cash advance fee | — | 4% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300Lowest | HK$350 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | None | None |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | — | — |
| Points expiry | — | — |
| Estimated annual points | – | – |
Sign-up bonus
| Sign-up bonus | — | 500 points |
|---|---|---|
| Bonus spend required | — | Accumulated Eligible Spending of HK$5,000 or above |
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | 2% on eligible spend | 6% on eligible spend |
| Cashback cap | 2% on local dining, local hotel, and foreign currency spending; 1% basic rebate on all other eligible transactions. Rebate credited when accumulated balance reaches HK$200 or above. | Up to 6% cash rebate: 5% on chosen category plus 1% on online foreign currency spending |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards