This card offers a few thrills if you are one for accumulating miles as you can earn 1.3 KrisFlyer miles for every S$1 equivalent in foreign currency spent overseas on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, you can earn 2 KrisFlyer miles. Furthermore the card allows earnings of 1.3 KrisFlyer miles for every S$1 spent locally in Singapore dollars on eligible purchases up to S$3,800 each month. On such purchases above S$3,800 each month, earnings are 1.4 KrisFlyer miles. Highly recommended for those who seek to accumulate miles.
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Let me assumed that you already have debts thus I recommend you to go for DCP first; for few reasons. It works by consolidating all your existing bank debts into DCP whereby Citibank pays it off for you and now you owe them only. The interest rate is about 10%/annum, vs 24-30% credit card interests rate. This plan does not eradicate the root of the problem as you need to reflect on the causes of your debts, are they Lifestyle choices or circumstantial? DCP may give you a month of credits to use for emergency purposes but frankly you stand to build up debts again if you don't know what went wrong and how you can make wiser decisions.