Is the OCBC N90 or Citibank PM card better? - Seedly

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Asked by Anonymous

Asked 3w ago

Is the OCBC N90 or Citibank PM card better?

Looking to get a card for everyday expenditure and maybe for a couple of shopping and items during the electronic fair next weekend!! :)

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Clare Yeo

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Level 2. Rookie
Answered 3w ago

As far as I know, OCBC N90 card does not charge conversion fee when you convert your points to mileage but Citi does. The downside for OCBC is you can only convert to Krisflyer miles while Citi has a lot more airline partners. However, if you only intend to convert to Krisflyer miles, then the OCBC card makes more sense since there is no conversion fee.

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For general spending, BOC Elite Miles card has a better accrual at 1.5 miles per dollar.

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Evelyn

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Level 3. Wonderkid
Updated 2w ago

Out of curiosity... are you in time to get a credit card for spending next weekend even?

Anyway, I personally use Citibank PM card, for these following reasons

  • more airlines partner (like Cathay and Qatar). You must consider if you can even find the ideal award flights in SQ and also the points needed. For example, Qatar requires more miles than Cathay for the flights/routes I’ve redeemed so far!
  • 2x priority pass lounges per year! OCBC N90 doesn’t offer that but I believe you can pay a discounted rate for it
  • and if you ever decide on using Citibank PM, I will recommend you to pay the annual fees to get the 10k miles! It’s definitely worth it!

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Gary

2w ago

I applied for it and got approved next working day. They send a link where u can add card to Apple/Google pay and can start using straight away
Evelyn

2w ago

I see! Haha my Citibank PM was a few years back. I did it at the branch itself but am quite sure I got it by post that’s why! Thanks for your info too!
Aik Kai
Aik Kai
Top Contributor

Top Contributor (Aug)

Level 5. Genius
Answered 3w ago

If your everyday spending includes paywave, UOB PPV is better. Otherwise, BOC Elite Miles is better as it has the highest mpd rate among general spending cards.

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