Compare Citi Dividend Card vs UOB ONE Card

Hightlight
Name	UOB ONE Card	Citi Dividend Card

Brand	UOB	Citi Bank
[Key Features]	• Spend over S$800 in each of the 3 months and receive S$80 cash rebate (3.3 % cash rebate) • One great offers for each day of the week,including Lerk Thai,Cathay Cineplexes,Carl's Junior,James Power,CentrePoint Malls • Visa payWave	• 12.6% savings at ESSO • 5% cash back on petrol at all other stations • 2% cash back on dining, grocery & pharmacies. • 0.5% cash back on all other retail purchases.
Eligibility
[Minimum annual income]	$30000	$30000
Annual fee
[Principal]	$60	$150
[Supplementary]	$30	$75
[Annual fee waiver]	First one year	First one year
Rewards
[Expiration]	1 year	15 Months
Payment
[Repayment]	AXS,ATM,SAM,CDM,Cheque,Branch(57),Interbank GIRO,Phone Banking,Internet Banking	AXS,ATM,CDM,Cheque,Branch(15),Interbank GIRO
[Grace Period]	22 days	25 days
Interest&Charges
[Effetive Interest Rate]	24% per annum (minimum $2.5)	24% per annum (minimum $3)
[Minimum Payment]	$50 or 3% of total Balance	$50 or 1% of total Balance
[Late Fee]	$50	$40
Other fees
[Foreign currency]	1.5%	1.5%
[Cash Advance]	$15 or 5% of amount	$10 or 5% of amount
Rank:
Brief:	With the UOB ONE Card, you can enjoy cash rebates on everything you buy. Enjoy on the go convenience with Visa payWave technology,	The ultimate card that offers the most cash back anytime, anywhere