Which card has the lower annual fee?

HSBC Advance Credit Card has the lowest annual fee at $194.

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?

SC Journey Credit Card lists a minimum monthly income of $50,000.

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

HSBC Advance Credit Card vs SC Journey Credit Card

Honest side-by-side comparison of HSBC Advance Credit 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

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Journey Credit Card leads HSBC Advance Credit Card by about $337/yr in estimated net value.

HSBC Advance Credit Card vs SC Journey Credit Card comparison table
Feature	HSBC Advance Credit Card HSBC	SC Journey Credit Card Standard Chartered
Fees & eligibility
Annual fee	$194	$194
Fee waiver threshold	No waiver published	No waiver published
Min income	$60,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$415/yr
Travel	2.5% cashback → $8/mo ($90/yr)	3 pts per $1 spend → $14/mo ($162/yr)
Top reward rate	2.5%	3X 360° points
Primary reward cap	$200 rewards/mo cap	$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?: HSBC Advance Credit Card has the lowest annual fee at $194.
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?: SC Journey Credit Card lists a minimum monthly income of $50,000.
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.

Card 1

HSBC Advance Credit Card

HSBC

Card 2

SC Journey 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	Standard CharteredPlatinum SC Journey Credit Card •••• •••• •••• 4242 Quick facts SC Journey Credit Card Top reward3X 360° points Annual fee$194 Min income$50,000/mo Tap to flip back SC Journey Credit Card Standard Chartered
Fees & eligibility
Annual fee	$194	$194
Fee waiver threshold	No waiver published	No waiver published
Min income	$60,000/mo	$50,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$415/yr
Travel	2.5% cashback → $8/mo ($90/yr)	3 pts per $1 spend → $14/mo ($162/yr)
Top reward rate	2.5%	3X 360° points
Primary reward cap	$200 rewards/mo cap	$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	—	—

HSBC Advance Credit Card details →SC Journey Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HSBC Advance Credit Card comparisons