Side-by-side · honest numbers
POSB Everyday Card vs OCBC Titanium Rewards Card vs SC Smart Credit Card
Honest side-by-side comparison of POSB Everyday Card, OCBC Titanium Rewards 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, SC Smart Credit Card ranks first for estimated net annual value — ahead of POSB Everyday Card by about $573/yr.
| Feature | POSB Everyday Card DBS | OCBC Titanium Rewards Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | $194 | Lifetime free |
| Fee waiver threshold | Lifetime free | 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) | $42/yr | -$50/yr | $615/yr |
| Online shopping | — | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — |
| Groceries (offline) | — | — | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | — | 6% cashback → $18/mo ($216/yr) |
| Travel | — | 4 pts per $1 spend → $5/mo ($58/yr) | — |
| Top reward rate | 0.3% cashback | 10X OCBC$ | 6% |
| Primary reward cap | No monthly cap published | $120 eligible spend/mo | $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?
- POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SC Smart Credit Card leads with an estimated $615/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- POSB Everyday 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.
POSB Everyday Card
DBS
OCBC Titanium Rewards Card
OCBC
SC Smart Credit Card
Standard Chartered
Your adjusted comparison
| Feature | DBSClassic POSB Everyday Card •••• •••• •••• 4242 Quick facts POSB Everyday Card Top reward0.3% cashback Annual feeLifetime Free Min income$30,000/mo Tap to flip back POSB Everyday Card DBS | OCBCPlatinum OCBC Titanium Rewards Card •••• •••• •••• 4242 Quick facts OCBC Titanium Rewards Card Top reward10X OCBC$ Annual fee$194 Min income$30,000/mo Tap to flip back OCBC Titanium Rewards 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 | Lifetime free | $194 | Lifetime free |
| Fee waiver threshold | Lifetime free | 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) | $42/yr | -$50/yr | $615/yr |
| Online shopping | — | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — |
| Groceries (offline) | — | — | 6% cashback → $30/mo ($360/yr) |
| Dining & delivery | — | — | 6% cashback → $18/mo ($216/yr) |
| Travel | — | 4 pts per $1 spend → $5/mo ($58/yr) | — |
| Top reward rate | 0.3% cashback | 10X OCBC$ | 6% |
| Primary reward cap | No monthly cap published | $120 eligible spend/mo | $60 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/sg/en/compare/dbs-posb-everyday-sg-vs-ocbc-titanium-sg-vs-sc-smart-sgMore POSB Everyday Card comparisons
- POSB Everyday Card vs Citi Cash Back Card
- POSB Everyday Card vs Citi PremierMiles Card
- POSB Everyday Card vs DBS Altitude Visa
- POSB Everyday Card vs DBS Live Fresh Card
- POSB Everyday Card vs HSBC Advance Credit Card
- POSB Everyday Card vs HSBC Revolution Credit Card
- POSB Everyday Card vs Maybank Family & Friends Card
- POSB Everyday Card vs OCBC 365 Credit Card
- POSB Everyday Card vs OCBC 90°N Card
- POSB Everyday Card vs SC Journey Credit Card
- POSB Everyday Card vs UOB One Card
- POSB Everyday Card vs UOB PRVI Miles Card