Side-by-side · honest numbers
HSBC Advance Credit Card vs OCBC Titanium Rewards Card vs SC Smart Credit Card
Honest side-by-side comparison of HSBC Advance Credit 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 HSBC Advance Credit Card by about $537/yr.
| Feature | HSBC Advance Credit Card HSBC | OCBC Titanium Rewards Card OCBC | SC Smart Credit Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $60,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $78/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 | 2.5% cashback → $8/mo ($90/yr) | 4 pts per $1 spend → $5/mo ($58/yr) | — |
| Top reward rate | 2.5% | 10X OCBC$ | 6% |
| Primary reward cap | $200 rewards/mo cap | $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?
- SC Smart Credit 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?
- OCBC Titanium Rewards 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.
HSBC Advance Credit Card
HSBC
OCBC Titanium Rewards Card
OCBC
SC Smart Credit Card
Standard Chartered
Your adjusted comparison
| Feature | HSBCPlatinum HSBC Advance Credit Card •••• •••• •••• 4242 Quick facts HSBC Advance Credit Card Top reward2.5% Annual fee$194 Min income$60,000/mo Tap to flip back HSBC Advance Credit Card HSBC | OCBCPlatinum OCBC Titanium Rewards Card •••• •••• •••• 4242 Quick facts OCBC Titanium Rewards Card Top reward10X OCBC$ 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 | $194 | $194 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | $60,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $78/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 | 2.5% cashback → $8/mo ($90/yr) | 4 pts per $1 spend → $5/mo ($58/yr) | — |
| Top reward rate | 2.5% | 10X OCBC$ | 6% |
| Primary reward cap | $200 rewards/mo cap | $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 | — | — | — |
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