With the recent changes in Citi prestige, what would then be the best 120k credit card to consider?

Citi Prestige still remains fairly competitive (in terms of luxury perks), but if you're looking for an alternative at the S$120k minimum income level, you might want to consider OCBC Voyage. Cardholders earn 1.2 miles per S$1 locally (not especially competitive) but earn a boosted 1.6 miles on local dining and 2.3 miles for overseas spend. This is great if you're a frequent traveller, but occassionally spend extended periods at home. OCBC Voyage also offers great perks–unlimited lounge access, free limo transfers, complimentary travel insurance & more–though these still don't live up to what you'd get with Citi Prestige. There's a S$488 annual fee, and you'll get 15,000 renewal miles with every payment (worth about S$150+).

Quite a few "luxury" cards now have lower minimum income requirements, however. UOB PRVI Miles Amex is the best on the market if you have a S$4.2k+ monthly budget and prioritise rapid miles accrual (lacks luxury perks, though). Amex KrisFlyer Ascend offers the best membership upgrades, like Hilton Honors Silver and KrisFlyer Elite Gold. These cards have minimum income requirements of S$30k and S$50k for Singaporeans & PR, respectively. Worth considering!

It largely depends on your preferences. If you're curious about the details, here are some reviews below. I'm a credit card analyst by day, so I'm always digging through TnCs!

• OCBC Voyage: https://www.valuechampion.sg/ocbc-voyage-card-r...

• UOB PRVI Miles Amex: https://www.valuechampion.sg/uob-prvi-miles-cre...

• Amex SIA KrisFlyer Ascend: https://www.valuechampion.sg/american-express-s...