Side-by-side · honest numbers
OCBC 90°N Card vs SC Journey Credit Card vs UOB PRVI Miles Card
Honest side-by-side comparison of OCBC 90°N Card, SC Journey Credit Card, UOB PRVI Miles 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
OCBC 90°N Card
OCBC
SC Journey Credit Card
Standard Chartered
UOB PRVI Miles Card
UOB
Your adjusted comparison
| Feature | OCBC 90°N Card OCBC | SC Journey Credit Card Standard Chartered | UOB PRVI Miles Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $50,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $375/yr | $415/yr | $411/yr |
| Travel | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo | $300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo | $300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 2.1 miles/S$1 | 3X 360° points | 1.4 miles/S$1 |
| Primary reward cap | $800 eligible spend/mo | $500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/sg/en/compare/ocbc-90-n-sg-vs-sc-journey-sg-vs-uob-prvi-miles-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SC Journey Credit Card ranks first for estimated net annual value — ahead of UOB PRVI Miles Card by about $4/yr.
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
| Feature | OCBC 90°N Card OCBC | SC Journey Credit Card Standard Chartered | UOB PRVI Miles Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | $194 | $256 |
| Fee waiver threshold | No waiver published | No waiver published | No waiver published |
| Min income | $50,000/mo | $50,000/mo | $80,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | $375/yr | $415/yr | $411/yr |
| Travel | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo | $300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo | $300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr) |
| Top reward rate | 2.1 miles/S$1 | 3X 360° points | 1.4 miles/S$1 |
| Primary reward cap | $800 eligible spend/mo | $500 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold | Complimentary lounge access at select airports · No minimum spend required for lounge access |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OCBC 90°N 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?
- OCBC 90°N 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.
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