Citibank SMRT Card - Up to 5% savings on Groceries. 2.7% + 2% (for transactions above $50) + 0.3% (if monthly card spend is at least $300) - Up to 5% savings on Fast Food, Movies & Coffee. 4.7% + 0.3% (if monthly card spend is at least $300) - Up to 3% savings on Online Shopping. 2.7% + 0.3% (if monthly card spend is at least $300) - Up to 2% EZ-Reload Auto Top-up. 0.3% + 1.7% (If top-up more than $30. If $30 or less, 0.7% awarded instead) - Savings awarded in SMRT$. SMRT$ can be redeemed for cash rebate or vouchers - 2 years fee waiver for Principal and two (2) Supplementary cards DBS Live Fresh Card - 5% cashback on online shopping and when you pay using Visa payWave, Apple Pay, Samsung Pay or Google Pay through your Card - Get 0.3% cashback on everything else with no cap on rebates - Auto EZ-Reload - 1-year annual fee waiver Not sure which DBS Visa you were referring to.