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
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 Smart Credit Card
Standard Chartered
UOB PRVI Miles Card
UOB
Your adjusted comparison
| 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) | $500 × 6% = $30/mo ($360/yr) · issuer max $60/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $60/mo | — |
| Travel | — | $300 → 420 pts/mo × $0.02/pt = $8.40/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 | — | — |
Stack mode (hold both)
Cap-aware split: ~$718/yr combined NAV ($103 vs best solo). Both annual fees apply.
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https://cardhungry.com/sg/en/compare/sc-smart-sg-vs-uob-prvi-miles-sgReference summary
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.
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
| 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) | $500 × 6% = $30/mo ($360/yr) · issuer max $60/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $60/mo | — |
| Travel | — | $300 → 420 pts/mo × $0.02/pt = $8.40/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.
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