Side-by-side · honest numbers
OCBC Titanium Rewards Card vs SC Smart Credit Card vs UOB One Card
Honest side-by-side comparison of OCBC Titanium Rewards 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 SC Smart Credit Card by about $286/yr.
| Feature | OCBC Titanium Rewards Card OCBC | SC Smart Credit Card Standard Chartered | UOB One Card UOB |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | $194 | 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) | -$50/yr | $615/yr | $901/yr |
| Online shopping | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — | 10% cashback → $50/mo ($600/yr) |
| Groceries (offline) | — | 6% cashback → $30/mo ($360/yr) | 5% cashback → $25/mo ($300/yr) |
| Dining & delivery | — | 6% cashback → $18/mo ($216/yr) | — |
| Travel | 4 pts per $1 spend → $5/mo ($58/yr) | — | — |
| Top reward rate | 10X OCBC$ | 6% | Up to 10% |
| Primary reward cap | $120 eligible spend/mo | $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 Titanium Rewards Card lists a minimum monthly income of $30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
OCBC Titanium Rewards Card
OCBC
SC Smart Credit Card
Standard Chartered
UOB One Card
UOB
Your adjusted comparison
| Feature | OCBCPlatinum OCBC Titanium Rewards Card •••• •••• •••• 4242 Quick facts OCBC Titanium Rewards Card Top reward10X OCBC$ Annual fee$194 Min income$30,000/mo Tap to flip back OCBC Titanium Rewards Card OCBC | Standard 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 | $194 | 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) | -$50/yr | $615/yr | $901/yr |
| Online shopping | 10 pts per $1 spend → $5/mo ($58/yr) (cap hit) | — | 10% cashback → $50/mo ($600/yr) |
| Groceries (offline) | — | 6% cashback → $30/mo ($360/yr) | 5% cashback → $25/mo ($300/yr) |
| Dining & delivery | — | 6% cashback → $18/mo ($216/yr) | — |
| Travel | 4 pts per $1 spend → $5/mo ($58/yr) | — | — |
| Top reward rate | 10X OCBC$ | 6% | Up to 10% |
| Primary reward cap | $120 eligible spend/mo | $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-titanium-sg-vs-sc-smart-sg-vs-uob-one-cardMore OCBC Titanium Rewards Card comparisons
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