Side-by-side · honest numbers
OCBC 365 Credit Card vs SC Smart Credit Card vs UOB One Card
Honest side-by-side comparison of OCBC 365 Credit Card, SC Smart Credit 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
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB One Card ranks first for estimated net annual value — ahead of OCBC 365 Credit Card by about $205/yr.
| Feature | OCBC 365 Credit Card OCBC | SC Smart Credit Card Standard Chartered | UOB One Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $192 | Lifetime free | $192 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $696/yr | $615/yr | $901/yr |
| Online shopping | 3% cashback → $15/mo ($180/yr) | — | 10% cashback → $50/mo ($600/yr) |
| Groceries (offline) | 6% cashback → $30/mo ($360/yr) | 6% cashback → $30/mo ($360/yr) | 5% cashback → $25/mo ($300/yr) |
| Dining & delivery | 6% cashback → $18/mo ($216/yr) | 6% cashback → $18/mo ($216/yr) | — |
| Fuel | 6% cashback → $12/mo ($144/yr) | — | — |
| Top reward rate | 6% | 6% | Up to 10% |
| Primary reward cap | $80 rewards/mo cap | $60 rewards/mo cap | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | $100 |
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?
- UOB One Card leads with an estimated $901/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OCBC 365 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
Change spend profile or swap cards — results update live below.
OCBC 365 Credit Card
OCBC
SC Smart Credit Card
Standard Chartered
UOB One Card
UOB
Your adjusted comparison
| Feature | OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$30,000/mo Tap to flip back OCBC 365 Credit 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 | UOBGold UOB One Card •••• •••• •••• 4242 Quick facts UOB One Card Top rewardUp to 10% Annual fee$192 Min income$30,000/mo Tap to flip back UOB One Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $192 | Lifetime free | $192 |
| Fee waiver threshold | No waiver published | Lifetime free | No waiver published |
| Min income | $30,000/mo | $30,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $696/yr | $615/yr | $901/yr |
| Online shopping | 3% cashback → $15/mo ($180/yr) | — | 10% cashback → $50/mo ($600/yr) |
| Groceries (offline) | 6% cashback → $30/mo ($360/yr) | 6% cashback → $30/mo ($360/yr) | 5% cashback → $25/mo ($300/yr) |
| Dining & delivery | 6% cashback → $18/mo ($216/yr) | 6% cashback → $18/mo ($216/yr) | — |
| Fuel | 6% cashback → $12/mo ($144/yr) | — | — |
| Top reward rate | 6% | 6% | Up to 10% |
| Primary reward cap | $80 rewards/mo cap | $60 rewards/mo cap | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | $100 |
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https://cardhungry.com/sg/en/compare/ocbc-365-vs-sc-smart-sg-vs-uob-one-cardMore OCBC 365 Credit Card comparisons
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