Side-by-side · honest numbers
OCBC 90°N Card vs UOB One Card
Honest side-by-side comparison of OCBC 90°N 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
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.
OCBC 90°N Card
OCBC
UOB One Card
UOB
Your adjusted comparison
| Feature | OCBC 90°N Card OCBC | UOB One Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $375/yr | $801/yr |
| Online shopping | — | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo |
| Groceries (offline) | — | $500 × 5% = $25/mo ($300/yr) · issuer max $100/mo |
| Travel | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo | — |
| Top reward rate | 2.1 miles/S$1 | Up to 10% |
| Primary reward cap | $800 eligible spend/mo | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | $100 |
Stack mode (hold both)
Cap-aware split: ~$821/yr combined NAV ($20 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/sg/en/compare/ocbc-90-n-sg-vs-uob-one-cardReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UOB One Card leads OCBC 90°N Card by about $426/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
| Feature | OCBC 90°N Card OCBC | UOB One Card UOB |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $194 | $192 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $50,000/mo | $30,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $375/yr | $801/yr |
| Online shopping | — | $500 × 10% = $50/mo ($600/yr) · issuer max $100/mo |
| Groceries (offline) | — | $500 × 5% = $25/mo ($300/yr) · issuer max $100/mo |
| Travel | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo | — |
| Top reward rate | 2.1 miles/S$1 | Up to 10% |
| Primary reward cap | $800 eligible spend/mo | $100 rewards/mo cap |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | $100 |
Frequently asked questions
- Which card has the lower annual fee?
- UOB One Card has the lowest annual fee at $192.
- Which card earns more on moderate spend?
- UOB One Card leads with an estimated $801/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- UOB One 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.
More OCBC 90°N Card comparisons
- OCBC 90°N Card vs Citi Cash Back Card
- OCBC 90°N Card vs Citi PremierMiles Card
- OCBC 90°N Card vs DBS Altitude Visa
- OCBC 90°N Card vs DBS Live Fresh Card
- OCBC 90°N Card vs HSBC Advance Credit Card
- OCBC 90°N Card vs HSBC Revolution Credit Card
- OCBC 90°N Card vs Maybank Family & Friends Card
- OCBC 90°N Card vs OCBC 365 Credit Card
- OCBC 90°N Card vs OCBC Titanium Rewards Card
- OCBC 90°N Card vs POSB Everyday Card
- OCBC 90°N Card vs SC Journey Credit Card
- OCBC 90°N Card vs SC Smart Credit Card