Compare Citi Dividend Card vs DBS NUS Alumni Card

Hightlight
Name	DBS NUS Alumni Card	Citi Dividend Card

Brand	DBS	Citi Bank
[Key Features]	• Each time you charge to your DBS NUS Alumni Credit Card, DBS will make a contribution to support NUS student and alumni cultivation programmes.	• 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]	$120	$150
[Supplementary]	$72	$75
[Annual fee waiver]	First two years	First one year
Rewards
[Expiration]	1 year	15 Months
Payment
[Repayment]	AXS,ATM,Cheque,Branch(82),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]	$45	$40
Other fees
[Foreign currency]	1%	1.5%
[Cash Advance]	$15 or 5% of amount	$10 or 5% of amount
Rank:
Brief:	Introducing the Gold Card that only an esteemed NUS graduate & staff can apply for - the DBS NUS Alumni Credit Card. Accord your status the prestige and recognition it deserves, and open the door to a whole new world of exciting privileges.	The ultimate card that offers the most cash back anytime, anywhere