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?

SC Smart Credit 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

HSBC Advance Credit Card vs SC Smart Credit Card

Honest side-by-side comparison of HSBC Advance Credit 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

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

HSBC Advance Credit Card

HSBC

Card 2

SC Smart Credit Card

Standard Chartered

Your adjusted comparison

Feature	HSBC Advance Credit Card HSBC	SC Smart Credit Card Standard Chartered
Fees & eligibility
Annual fee	$194	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	$60,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$615/yr
Groceries (offline)	—	$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo
Dining & delivery	—	$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo
Travel	$300 × 2.5% = $7.50/mo ($90/yr) · issuer max $200/mo	—
Top reward rate	2.5%	6%
Primary reward cap	$200 rewards/mo cap	$60 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HSBC Advance Credit Card details →SC Smart Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Smart Credit Card leads HSBC Advance Credit Card by about $537/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

HSBC Advance Credit Card vs SC Smart Credit Card comparison table
Feature	HSBC Advance Credit Card HSBC	SC Smart Credit Card Standard Chartered
Fees & eligibility
Annual fee	$194	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	$60,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$78/yr	$615/yr
Groceries (offline)	—	$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo
Dining & delivery	—	$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo
Travel	$300 × 2.5% = $7.50/mo ($90/yr) · issuer max $200/mo	—
Top reward rate	2.5%	6%
Primary reward cap	$200 rewards/mo cap	$60 rewards/mo cap
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?: 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?: SC Smart Credit 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 HSBC Advance Credit Card comparisons