Side-by-side · honest numbers
DBS Live Fresh Card vs OCBC 365 Credit Card vs SC Smart Credit Card
Honest side-by-side comparison of DBS Live Fresh Card, OCBC 365 Credit Card, SC Smart 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
At a glance (moderate spend)
Quick verdict: On moderate spend, OCBC 365 Credit Card ranks first for estimated net annual value — ahead of SC Smart Credit Card by about $81/yr.
| Feature | DBS Live Fresh Card DBS | OCBC 365 Credit Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $192 | $192 | Lifetime free |
| Fee waiver threshold | Waived at $10,000/yr spend | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $324/yr | $696/yr | $615/yr |
| Online shopping | 5% cashback → $25/mo ($300/yr) | 3% cashback → $15/mo ($180/yr) | — |
| Groceries (offline) | — | 6% cashback → $30/mo ($360/yr) | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | 6% cashback → $18/mo ($216/yr) | 6% cashback → $18/mo ($216/yr) |
| Fuel | — | 6% cashback → $12/mo ($144/yr) | — |
| Top reward rate | 5% | 6% | 6% |
| Primary reward cap | $60 rewards/mo cap | $80 rewards/mo cap | $60 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- SC Smart Credit Card has a $0 annual fee (lifetime free or zero-fee tier).
- 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
Change spend profile or swap cards — results update live below.
DBS Live Fresh Card
DBS
OCBC 365 Credit Card
OCBC
SC Smart Credit Card
Standard Chartered
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 | OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$30,000/mo Tap to flip back OCBC 365 Credit Card OCBC | Standard CharteredGold SC Smart Credit Card •••• •••• •••• 4242 Quick facts SC Smart Credit Card Top reward6% Annual feeLifetime Free Min income$30,000/mo Tap to flip back SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $192 | $192 | Lifetime free |
| Fee waiver threshold | Waived at $10,000/yr spend | No waiver published | Lifetime free |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $324/yr | $696/yr | $615/yr |
| Online shopping | 5% cashback → $25/mo ($300/yr) | 3% cashback → $15/mo ($180/yr) | — |
| Groceries (offline) | — | 6% cashback → $30/mo ($360/yr) | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | 6% cashback → $18/mo ($216/yr) | 6% cashback → $18/mo ($216/yr) |
| Fuel | — | 6% cashback → $12/mo ($144/yr) | — |
| Top reward rate | 5% | 6% | 6% |
| Primary reward cap | $60 rewards/mo cap | $80 rewards/mo cap | $60 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/sg/en/compare/dbs-live-fresh-sg-vs-ocbc-365-vs-sc-smart-sgMore DBS Live Fresh Card comparisons
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