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?

SC Smart Credit Card leads with an estimated $615/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 PRVI Miles Card

Honest side-by-side comparison of SC Smart 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

At a glance (moderate spend)

Quick verdict: On moderate spend, SC Smart Credit Card leads UOB PRVI Miles Card by about $204/yr in estimated net value.

SC Smart Credit Card vs UOB PRVI Miles Card comparison table
Feature	SC Smart Credit Card Standard Chartered	UOB PRVI Miles Card UOB
Fees & eligibility
Annual fee	Lifetime free	$256
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$80,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$615/yr	$411/yr
Groceries (offline)	6% cashback → $30/mo ($360/yr)	—
Dining & delivery	6% cashback → $18/mo ($216/yr)	—
Travel	—	1.4 pts per $1 spend → $8/mo ($101/yr)
Top reward rate	6%	1.4 miles/S$1
Primary reward cap	$60 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Complimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

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?: SC Smart Credit Card leads with an estimated $615/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

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

Card 1

SC Smart Credit Card

Standard Chartered

Card 2

UOB PRVI Miles Card

UOB

Your adjusted comparison

Feature	Standard CharteredGold SC Smart Credit Card •••• •••• •••• 4242 Quick facts SC Smart Credit Card Top reward6% Annual feeLifetime Free Min income$30,000/mo Tap to flip back SC Smart Credit Card Standard Chartered	UOBPlatinum UOB PRVI Miles Card •••• •••• •••• 4242 Quick facts UOB PRVI Miles Card Top reward1.4 miles/S$1 Annual fee$256 Min income$80,000/mo Tap to flip back UOB PRVI Miles Card UOB
Fees & eligibility
Annual fee	Lifetime free	$256
Fee waiver threshold	Lifetime free	No waiver published
Min income	$30,000/mo	$80,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	$615/yr	$411/yr
Groceries (offline)	6% cashback → $30/mo ($360/yr)	—
Dining & delivery	6% cashback → $18/mo ($216/yr)	—
Travel	—	1.4 pts per $1 spend → $8/mo ($101/yr)
Top reward rate	6%	1.4 miles/S$1
Primary reward cap	$60 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	Complimentary lounge access at select airports · No minimum spend required for lounge access
Key exclusions	Insurance · Government payments · Balance transfers	Insurance · Government payments · Balance transfers
Bonuses
Signup bonus	—	—

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

Share this comparison

https://cardhungry.com/sg/en/compare/sc-smart-sg-vs-uob-prvi-miles-sg

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SC Smart Credit Card comparisons