Hi Anon, I'm assuming that you're considering applying for either one of these 2 cards because you're a uni student. Both of these cards are decent for this age demographic, however, I think that the Maybank eVibes Card edges the Citi Clear Card. Here are each cards' respective perks and rewards: Citi Clear Card - 1 Point (0.4 miles) per S$1 general spend - No minimum spend requirement - S$500 credit limit - Receive S$20 cashback w/ S$50 spend in 1st month - $29.96 Annual Fee, only waived for the first year. Maybank eVibes Card - 1% unlimited cash rebate on all spend - No minimum spend requirement - S$500 credit limit - S$5 quarterly service fee waived 2 years, then with use of card at least 1x/quarter - Access to Maybank TREATS discounts & privileges - Receive Adidas wristwatch (worth S$120) on 1st charge, during 1st month - Annual Fee of $20- Waived if you use the card minimally once every three months If you're looking to accumulate miles, and refuse to look at any other cards other than these 2, then I would reluctantly say that the Citi Clear Card would be the better option for you. However, since Citipoints expire after a year, you'd be unable to meaningfully accumulate enough miles to redeem something of value, and hence I'd suggest that getting this card is rather counter-intuitive. The Maybank eVibes Card would be a better option for uni students, as the 1% cashback and no minimum spend is definitely a better option- every cent helps during the most broke period of your life hahah Hope this helps!