CardHungry

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

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.

SC Journey Credit Card

Standard Chartered

UOB One Card

UOB

Your adjusted comparison

Feature
SC Journey Credit Card

SC Journey Credit Card

Standard Chartered

UOB One Card credit card

UOB One Card

UOB

Fees & eligibility
Annual fee$194$192
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$415/yr$801/yr
Online shopping—$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)—$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Travel$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo—
Top reward rate3X 360° pointsUp to 10%
Primary reward cap$500 eligible spend/mo$100 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus—$100

Stack mode (hold both)

Cap-aware split: ~$853/yr combined NAV ($52 vs best solo). Both annual fees apply.

SC Journey Credit Card details →UOB One Card details →

Share this comparison

https://cardhungry.com/sg/en/compare/sc-journey-sg-vs-uob-one-card

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UOB One Card leads SC Journey Credit Card by about $386/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

SC Journey Credit Card vs UOB One Card comparison table
FeatureSC Journey Credit Card

Standard Chartered

UOB One Card

UOB

Fees & eligibility
Annual fee$194$192
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$415/yr$801/yr
Online shopping—$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)—$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Travel$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo—
Top reward rate3X 360° pointsUp to 10%
Primary reward cap$500 eligible spend/mo$100 rewards/mo cap
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdNone
Key exclusionsInsurance · Government payments · Balance transfersInsurance · 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?
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.

More SC Journey Credit Card comparisons