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Maybank Family & Friends Card vs SC Smart Credit Card

Honest side-by-side comparison of Maybank Family & Friends 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.

Maybank Family & Friends Card

Maybank

SC Smart Credit Card

Standard Chartered

Your adjusted comparison

Feature
Maybank Family & Friends Card credit card

Maybank Family & Friends Card

Maybank

SC Smart Credit Card

SC Smart Credit Card

Standard Chartered

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$966/yr$615/yr
Groceries (offline)$500 × 8% = $40/mo ($480/yr) · issuer max $80/mo$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo
Dining & delivery$300 × 8% = $24/mo ($288/yr) · issuer max $80/mo$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo
Fuel$200 × 8% = $16/mo ($192/yr) · issuer max $80/mo—
Top reward rate8%6%
Primary reward cap$80 rewards/mo cap$60 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~$990/yr combined NAV ($24 vs best solo). Both annual fees apply.

Maybank Family & Friends Card details →SC Smart Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Maybank Family & Friends Card leads SC Smart Credit Card by about $351/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

Maybank Family & Friends Card vs SC Smart Credit Card comparison table
FeatureMaybank Family & Friends Card

Maybank

SC Smart Credit Card

Standard Chartered

Fees & eligibility
Annual feeLifetime freeLifetime free
Fee waiver thresholdLifetime freeLifetime free
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$966/yr$615/yr
Groceries (offline)$500 × 8% = $40/mo ($480/yr) · issuer max $80/mo$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo
Dining & delivery$300 × 8% = $24/mo ($288/yr) · issuer max $80/mo$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo
Fuel$200 × 8% = $16/mo ($192/yr) · issuer max $80/mo—
Top reward rate8%6%
Primary reward cap$80 rewards/mo cap$60 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
Maybank Family & Friends Card has a $0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Maybank Family & Friends Card leads with an estimated $966/yr net annual value on moderate spend.
Which card has the lower income requirement?
Maybank Family & Friends 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.

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