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 $901/yr net annual value on moderate spend.

Which card has the lower income requirement?

OCBC Titanium Rewards 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.

Side-by-side · honest numbers

OCBC Titanium Rewards Card vs SC Journey Credit Card vs UOB One Card

Honest side-by-side comparison of OCBC Titanium Rewards Card, SC Journey 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 SC Journey Credit Card by about $486/yr.

OCBC Titanium Rewards Card vs SC Journey Credit Card vs UOB One Card comparison table
Feature	OCBC Titanium Rewards Card OCBC	SC Journey Credit Card Standard Chartered	UOB One Card UOB
Fees & eligibility
Annual fee	$194	$194	$192
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	$30,000/mo	$50,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-$50/yr	$415/yr	$901/yr
Online shopping	10 pts per $1 spend → $5/mo ($58/yr) (cap hit)	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	—	5% cashback → $25/mo ($300/yr)
Travel	4 pts per $1 spend → $5/mo ($58/yr)	3 pts per $1 spend → $14/mo ($162/yr)	—
Top reward rate	10X OCBC$	3X 360° points	Up to 10%
Primary reward cap	$120 eligible spend/mo	$500 eligible spend/mo	$100 rewards/mo cap
Perks & restrictions
Lounge access	None	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	None
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?: UOB One 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 Titanium Rewards 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.

Card 1

OCBC Titanium Rewards Card

OCBC

Card 2

SC Journey Credit Card

Standard Chartered

Card 3

UOB One Card

UOB

Your adjusted comparison

Feature	OCBCPlatinum OCBC Titanium Rewards Card •••• •••• •••• 4242 Quick facts OCBC Titanium Rewards Card Top reward10X OCBC$ Annual fee$194 Min income$30,000/mo Tap to flip back OCBC Titanium Rewards Card OCBC	Standard CharteredPlatinum SC Journey Credit Card •••• •••• •••• 4242 Quick facts SC Journey Credit Card Top reward3X 360° points Annual fee$194 Min income$50,000/mo Tap to flip back SC Journey 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	$194	$194	$192
Fee waiver threshold	No waiver published	No waiver published	No waiver published
Min income	$30,000/mo	$50,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-$50/yr	$415/yr	$901/yr
Online shopping	10 pts per $1 spend → $5/mo ($58/yr) (cap hit)	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	—	5% cashback → $25/mo ($300/yr)
Travel	4 pts per $1 spend → $5/mo ($58/yr)	3 pts per $1 spend → $14/mo ($162/yr)	—
Top reward rate	10X OCBC$	3X 360° points	Up to 10%
Primary reward cap	$120 eligible spend/mo	$500 eligible spend/mo	$100 rewards/mo cap
Perks & restrictions
Lounge access	None	Airport lounge access at select airports · Minimum spend required — see issuer T&Cs for current threshold	None
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—	$100

OCBC Titanium Rewards Card details →SC Journey Credit Card details →UOB One Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More OCBC Titanium Rewards Card comparisons