#1$801/yr
UOB One Card
Up to 10% · Cashback Kings
Best net value on this list — about $801/yr in your pocket after fees on typical spends.
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Age 21–65 · From $30,000/mo income · Unsecured
Cashback Kings·OCBC
Dining, groceries, transport, and online shopping with monthly cashback caps.
Age 21–65 · From $30,000/mo income · Unsecured
Key Benefits
All 6 benefits →Dining, groceries, transport
6%
S$80/mo per category
Online
3%
Dining
6%
Cap $80/mo
Groceries
6%
Cap $80/mo
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: OCBC 365 Card T&Cs (SG)
Flat cashback on spends — no points math
Source: OCBC 365 Card T&Cs (SG)
Dining, groceries, transport
6%
Cap: S$80/mo per category
Example: $80/mo spend → ≈ $4.80/mo (max at cap)
Online
3%
Example: $10,000/mo spend → ≈ $300/mo
Based on moderate spend for this market
Est. net annual
$696
per year
Annual fee
$192
per year
Effective return
2.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee $192 · Forex 2.8% on international transactions — tap for full fees
Joining fee
Charged in first year
$192
Annual / renewal fee
Charged every year unless waived
$192
Forex markup
2.8% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically S$50–S$100 depending on balance — always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · $30,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend ($2,400/mo), gross rewards are about $922/year. After the $192 annual fee, net value is approximately $696/year. Use the calculator above to model your own spends.
$30,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Balance transfers.
Deeper rankings and comparisons for similar use cases.
UOB One Card
Up to 10% · Cashback Kings
Best net value on this list — about $801/yr in your pocket after fees on typical spends.
SC Smart Credit Card
6% · Cashback Kings
Strong runner-up at $615/yr net — roughly $186 behind #1 on the same spend mix.
Citi Cash Back Card
8% · Cashback Kings
Worth a look — $605/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
