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?

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.

Side-by-side · honest numbers

SC Journey Credit Card vs UOB One Card

Honest side-by-side comparison of 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 leads SC Journey Credit Card by about $486/yr in estimated net value.

SC Journey Credit Card vs UOB One Card comparison table
Feature	SC Journey Credit Card Standard Chartered	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)	$415/yr	$901/yr
Online shopping	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	5% cashback → $25/mo ($300/yr)
Travel	3 pts per $1 spend → $14/mo ($162/yr)	—
Top reward rate	3X 360° points	Up to 10%
Primary reward cap	$500 eligible spend/mo	$100 rewards/mo cap
Perks & restrictions
Lounge access	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
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?: 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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

SC Journey Credit Card

Standard Chartered

Card 2

UOB One Card

UOB

Your adjusted comparison

Feature	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	$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)	$415/yr	$901/yr
Online shopping	—	10% cashback → $50/mo ($600/yr)
Groceries (offline)	—	5% cashback → $25/mo ($300/yr)
Travel	3 pts per $1 spend → $14/mo ($162/yr)	—
Top reward rate	3X 360° points	Up to 10%
Primary reward cap	$500 eligible spend/mo	$100 rewards/mo cap
Perks & restrictions
Lounge access	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
Bonuses
Signup bonus	—	$100

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 SC Journey Credit Card comparisons