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?

UOB One Card leads with an estimated $801/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 UOB One Card

Honest side-by-side comparison of POSB Everyday 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

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

UOB One Card

UOB

Your adjusted comparison

Feature	POSB Everyday Card DBS	UOB One Card UOB
Fees & eligibility
Annual fee	Lifetime free	$192
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$42/yr	$801/yr
Online shopping	—	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	—	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Top reward rate	0.3% cashback	Up to 10%
Primary reward cap	No monthly cap published	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	$100

Stack mode (hold both)

Cap-aware split: ~$804/yr combined NAV ($3 vs best solo). Both annual fees apply.

POSB Everyday Card details →UOB One Card details →

Share this comparison

https://cardhungry.com/sg/en/compare/dbs-posb-everyday-sg-vs-uob-one-card

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB One Card leads POSB Everyday Card by about $759/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 UOB One Card comparison table
Feature	POSB Everyday Card DBS	UOB One Card UOB
Fees & eligibility
Annual fee	Lifetime free	$192
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$42/yr	$801/yr
Online shopping	—	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	—	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Top reward rate	0.3% cashback	Up to 10%
Primary reward cap	No monthly cap published	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	$100

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?: UOB One Card leads with an estimated $801/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