Which card has the lower annual fee?

DBS Live Fresh Card has the lowest annual fee at $192.

Which card earns more on moderate spend?

UOB One Card leads with an estimated $901/yr net annual value on moderate spend.

Which card has the lower income requirement?

DBS Live Fresh Card lists a minimum monthly income of $30,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

DBS Live Fresh Card vs HSBC Advance Credit Card vs UOB One Card

Honest side-by-side comparison of DBS Live Fresh Card, HSBC Advance Credit Card, UOB One Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB One Card ranks first for estimated net annual value — ahead of DBS Live Fresh Card by about $577/yr.

DBS Live Fresh Card vs HSBC Advance Credit Card vs UOB One Card comparison table
Feature	DBS Live Fresh Card DBS	HSBC Advance Credit Card HSBC	UOB One Card UOB
Fees & eligibility
Annual fee	$192	$194	$192
Fee waiver threshold	Waived at $10,000/yr spend	No waiver published	No waiver published
Min income	$30,000/mo	$60,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$78/yr	$901/yr
Online shopping	5% cashback → $25/mo ($300/yr)	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	—	5% cashback → $25/mo ($300/yr)
Travel	—	2.5% cashback → $8/mo ($90/yr)	—
Top reward rate	5%	2.5%	Up to 10%
Primary reward cap	$60 rewards/mo cap	$200 rewards/mo cap	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	$100

Frequently asked questions

Which card has the lower annual fee?: DBS Live Fresh Card has the lowest annual fee at $192.
Which card earns more on moderate spend?: UOB One Card leads with an estimated $901/yr net annual value on moderate spend.
Which card has the lower income requirement?: DBS Live Fresh Card lists a minimum monthly income of $30,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

DBS Live Fresh Card

DBS

Card 2

HSBC Advance Credit Card

HSBC

Card 3

UOB One Card

UOB

Your adjusted comparison

Feature	DBSGold DBS Live Fresh Card •••• •••• •••• 4242 Quick facts DBS Live Fresh Card Top reward5% Annual fee$192 Min income$30,000/mo Tap to flip back DBS Live Fresh Card DBS	HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2.5% Annual fee$194 Min income$60,000/mo Tap to flip back HSBC Advance Credit Card HSBC	UOBGold UOB One Card •••• •••• •••• 4242 Quick facts UOB One Card Top rewardUp to 10% Annual fee$192 Min income$30,000/mo Tap to flip back UOB One Card UOB
Fees & eligibility
Annual fee	$192	$194	$192
Fee waiver threshold	Waived at $10,000/yr spend	No waiver published	No waiver published
Min income	$30,000/mo	$60,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$78/yr	$901/yr
Online shopping	5% cashback → $25/mo ($300/yr)	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	—	5% cashback → $25/mo ($300/yr)
Travel	—	2.5% cashback → $8/mo ($90/yr)	—
Top reward rate	5%	2.5%	Up to 10%
Primary reward cap	$60 rewards/mo cap	$200 rewards/mo cap	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	$100

DBS Live Fresh Card details →HSBC Advance Credit Card details →UOB One Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More DBS Live Fresh Card comparisons