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SC Journey Credit Card vs UOB PRVI Miles Card

Honest side-by-side comparison of SC Journey Credit Card, UOB PRVI Miles 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

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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 PRVI Miles Card

UOB

Your adjusted comparison

Feature
SC Journey Credit Card

SC Journey Credit Card

Standard Chartered

UOB PRVI Miles Card credit card

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual fee$194$256
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$415/yr$411/yr
Travel$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate3X 360° points1.4 miles/S$1
Primary reward cap$500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdComplimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

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

SC Journey Credit Card details →UOB PRVI Miles Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Journey Credit Card leads UOB PRVI Miles Card by about $4/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 PRVI Miles Card comparison table
FeatureSC Journey Credit Card

Standard Chartered

UOB PRVI Miles Card

UOB

Fees & eligibility
Annual fee$194$256
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$50,000/mo$80,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$415/yr$411/yr
Travel$300 → 900 pts/mo × $0.02/pt = $13.50/mo ($162/yr) · issuer max $500/mo$300 → 420 pts/mo × $0.02/pt = $8.40/mo ($101/yr)
Top reward rate3X 360° points1.4 miles/S$1
Primary reward cap$500 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessAirport lounge access at select airports · Minimum spend required — see issuer T&Cs for current thresholdComplimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
SC Journey Credit Card has the lowest annual fee at $194.
Which card earns more on moderate spend?
SC Journey Credit Card leads with an estimated $415/yr net annual value on moderate spend.
Which card has the lower income requirement?
SC Journey Credit Card lists a minimum monthly income of $50,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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