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?

OCBC 365 Credit Card leads with an estimated $696/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 OCBC 365 Credit Card

Honest side-by-side comparison of DBS Live Fresh Card, OCBC 365 Credit 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

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

DBS Live Fresh Card

DBS

Card 2

OCBC 365 Credit Card

OCBC

Your adjusted comparison

Feature	DBS Live Fresh Card DBS	OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$192	$192
Fee waiver threshold	Waived at $10,000/yr spend	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$696/yr
Online shopping	$500 × 5% = $25/mo ($300/yr) · issuer max $60/mo	$500 × 3% = $15/mo ($180/yr)
Groceries (offline)	—	$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo
Dining & delivery	—	$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo
Fuel	—	$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo
Top reward rate	5%	6%
Primary reward cap	$60 rewards/mo cap	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~$816/yr combined NAV ($120 vs best solo). Both annual fees apply.

DBS Live Fresh Card details →OCBC 365 Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OCBC 365 Credit Card leads DBS Live Fresh Card by about $372/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · $2,400/mo

$2,400/month total spend — typical Singapore user

Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300

DBS Live Fresh Card vs OCBC 365 Credit Card comparison table
Feature	DBS Live Fresh Card DBS	OCBC 365 Credit Card OCBC
Fees & eligibility
Annual fee	$192	$192
Fee waiver threshold	Waived at $10,000/yr spend	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$324/yr	$696/yr
Online shopping	$500 × 5% = $25/mo ($300/yr) · issuer max $60/mo	$500 × 3% = $15/mo ($180/yr)
Groceries (offline)	—	$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo
Dining & delivery	—	$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo
Fuel	—	$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo
Top reward rate	5%	6%
Primary reward cap	$60 rewards/mo cap	$80 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

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?: OCBC 365 Credit Card leads with an estimated $696/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More DBS Live Fresh Card comparisons