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 Journey Credit Card leads with an estimated $415/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.

Side-by-side · honest numbers

POSB Everyday Card vs SC Journey Credit Card

Honest side-by-side comparison of POSB Everyday Card, SC Journey 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

POSB Everyday Card

DBS

Card 2

SC Journey Credit Card

Standard Chartered

Your adjusted comparison

Feature	POSB Everyday Card DBS	SC Journey Credit Card Standard Chartered
Fees & eligibility
Annual fee	Lifetime free	$194
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$42/yr	$415/yr
Travel	—	$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo
Top reward rate	0.3% cashback	3X 360° points
Primary reward cap	No monthly cap published	$500 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~$418/yr combined NAV ($3 vs best solo). Both annual fees apply.

POSB Everyday Card details →SC Journey Credit Card details →

Share this comparison

https://cardhungry.com/sg/en/compare/dbs-posb-everyday-sg-vs-sc-journey-sg

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Journey Credit Card leads POSB Everyday Card by about $373/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

POSB Everyday Card vs SC Journey Credit Card comparison table
Feature	POSB Everyday Card DBS	SC Journey Credit Card Standard Chartered
Fees & eligibility
Annual fee	Lifetime free	$194
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$42/yr	$415/yr
Travel	—	$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo
Top reward rate	0.3% cashback	3X 360° points
Primary reward cap	No monthly cap published	$500 eligible spend/mo
Perks & restrictions
Lounge access	None	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold
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?: POSB Everyday Card has a $0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SC Journey Credit Card leads with an estimated $415/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More POSB Everyday Card comparisons