Surprise surprise, banks think that co-branded credit cards are actually still… in? It’s probably about a decade (or two?) ago where such joint cards are extremely popular. M1, Robinsons, and even SingPost, all have a credit card. Having said that, the trend has been dying for a while now. The hottest co-branded card that came out was probably the UOB-Krisflyer card last year, and for good reasons, given that the miles gathering community have grown tremendously in just the last two years. Now, back to the Citi Lazada card. The basics Income requirement: S$30,000 p.a. for Singapore citizens and PRs, S$42,000 for foreigners Annual fee: S$192.60 for principal cardmembers, waived for the first year; S$96.30 for supplementary cards, waived for the first year Annual fee gift:  3 x $50 Lazada vouchers for new-to-Citibank customers (with a lot of conditions) Free LiveUp 1-year membership (worth $59.90). Earn rates: 0.4 mile per dollar spent (mpd) locally & overseas Special earn rates: 4.8 mpd for Lazada transactions (until 29 Feb 20, 4.0 mpd thereafter) 2 mpd on dining, travel, entertainment, commuting …