Which card has the lower annual fee?

SC Smart Credit Card has a $0 annual fee (lifetime free or zero-fee tier).

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?

SC Smart Credit 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 Smart Credit Card vs UOB One Card

Honest side-by-side comparison of SC Smart 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.

Card 1

SC Smart Credit Card

Standard Chartered

Card 2

UOB One Card

UOB

Your adjusted comparison

Feature	SC Smart Credit Card Standard Chartered	UOB One Card UOB
Fees & eligibility
Annual fee	Lifetime free	$192
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$615/yr	$801/yr
Online shopping	—	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Dining & delivery	$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo	—
Top reward rate	6%	Up to 10%
Primary reward cap	$60 rewards/mo cap	$100 rewards/mo cap
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	$100

Stack mode (hold both)

Cap-aware split: ~$1,041/yr combined NAV ($240 vs best solo). Both annual fees apply.

SC Smart Credit 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 SC Smart Credit Card by about $186/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 Smart Credit Card vs UOB One Card comparison table
Feature	SC Smart Credit Card Standard Chartered	UOB One Card UOB
Fees & eligibility
Annual fee	Lifetime free	$192
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$615/yr	$801/yr
Online shopping	—	$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)	$500 × 6% = $30/mo ($360/yr) · issuer max $60/mo	$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Dining & delivery	$300 × 6% = $18/mo ($216/yr) · issuer max $60/mo	—
Top reward rate	6%	Up to 10%
Primary reward cap	$60 rewards/mo cap	$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?: SC Smart Credit Card has a $0 annual fee (lifetime free or zero-fee tier).
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?: SC Smart Credit 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 SC Smart Credit Card comparisons