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?

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

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.

Card 1

OCBC Titanium Rewards Card

OCBC

Card 2

UOB One Card

UOB

Your adjusted comparison

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	$801/yr
Online shopping	$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	—	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Travel	$300 → 1,200 pts/mo × $0.00/pt = $4.80/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

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

OCBC Titanium Rewards Card details →UOB One Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB One Card leads OCBC Titanium Rewards Card by about $851/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

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	$801/yr
Online shopping	$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	—	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Travel	$300 → 1,200 pts/mo × $0.00/pt = $4.80/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 $801/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More OCBC Titanium Rewards Card comparisons