#1$415/yr
SC Journey Credit Card
3X 360° points · Travel & Miles
Best net value on this list — about $415/yr in your pocket after fees on typical spends.
Loading…
Age 21–65 · From $80,000/mo income · Unsecured
Travel & Miles·UOB
High earn rate for frequent international travellers.
Age 21–65 · From $80,000/mo income · Unsecured
Key Benefits
All 5 benefits →All spends
1.4 miles/S$1
Travel
1.4 pts/1
All spends
1.4 pts/1
Lounge
Complimentary lounge acces…
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: Issuer public T&Cs (Singapore, verified Jun 2026)
Flights, hotels, zero forex options
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
All spends
1.4 miles/S$1
Lounge access
Complimentary lounge access at select airports
Spend criteria: No minimum spend required for lounge access
See worked examples of how points convert to cash value
travel — 1.4 pts per $1 spend
You spend
$500
You earn
700 pts
Worth ≈
$14
@ $0.02/point
all — 1.4 pts per $1 spend
You spend
$500
You earn
700 pts
Worth ≈
$14
@ $0.02/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative $0.02/pt in calculations.
Based on moderate spend for this market
Est. net annual
$411
per year
Annual fee
$256
per year
Effective return
1.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee $256 · Forex 3.25% on international transactions — tap for full fees
Joining fee
Charged in first year
$256
Annual / renewal fee
Charged every year unless waived
$256
Forex markup
3.25% 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 · $80,000/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 $706/year. After the $256 annual fee, net value is approximately $411/year. Use the calculator above to model your own spends.
$80,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Balance transfers.
Deeper rankings and comparisons for similar use cases.
SC Journey Credit Card
3X 360° points · Travel & Miles
Best net value on this list — about $415/yr in your pocket after fees on typical spends.
OCBC 90°N Card
2.1 miles/S$1 · Travel & Miles
Strong runner-up at $375/yr net — roughly $40 behind #1 on the same spend mix.
Citi PremierMiles Card
1.2 miles/S$1 · Travel & Miles
Worth a look — $372/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
