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 UOB One Card

Honest side-by-side comparison of OCBC Titanium Rewards 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 leads OCBC Titanium Rewards Card by about $951/yr in estimated net value.

OCBC Titanium Rewards Card vs UOB One Card comparison table
Feature	OCBC Titanium Rewards Card OCBC	UOB One Card UOB
Fees & eligibility
Annual fee	$194	$192
Fee waiver threshold	No waiver published	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-$50/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 ($58/yr)	—
Top reward rate	10X OCBC$	Up to 10%
Primary reward cap	$120 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 $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

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	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	$192
Fee waiver threshold	No waiver published	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-$50/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 ($58/yr)	—
Top reward rate	10X OCBC$	Up to 10%
Primary reward cap	$120 eligible spend/mo	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	$100

OCBC Titanium Rewards Card details →UOB One Card details →

Share this comparison

https://cardhungry.com/sg/en/compare/ocbc-titanium-sg-vs-uob-one-card

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More OCBC Titanium Rewards Card comparisons