Side-by-side · honest numbers
OCBC 365 Credit Card vs UOB One Card
Honest side-by-side comparison of OCBC 365 Credit Card, UOB One Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB One Card leads OCBC 365 Credit Card by about $205/yr in estimated net value.
| Feature | OCBC 365 Credit Card OCBC | UOB One Card UOB |
|---|---|---|
| Annual fee | $192 | $192 |
| Min income (monthly) | $2,500 | $2,500 |
| Top reward rate | 6% | Up to 10% |
| Net annual value (moderate spend) | $696/yr | $901/yr |
| Secured / FD-backed | No | No |
| Signup bonus | — | $100 |
Frequently asked questions
- Which card has the lower annual fee?
- OCBC 365 Credit Card has the lowest annual fee at $192.
- 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 $2,500.
- 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.
Your adjusted comparison
| Feature | OCBCGold OCBC 365 Credit Card •••• •••• •••• 4242 Quick facts OCBC 365 Credit Card Top reward6% Annual fee$192 Min income$2,500/mo Tap to flip back OCBC 365 Credit Card OCBC | UOBGold UOB One Card •••• •••• •••• 4242 Quick facts UOB One Card Top rewardUp to 10% Annual fee$192 Min income$2,500/mo Tap to flip back UOB One Card UOB |
|---|---|---|
| Annual fee | $192 | $192 |
| Min income | $2,500 | $2,500 |
| Top reward rate | 6% | Up to 10% |
| Net value (moderate) | $696/yr | $901/yr |
| Secured / no bureau | Standard | Standard |
| Signup bonus | — | $100 |