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OCBC 365 Credit Card vs UOB One Card

Honest side-by-side comparison of OCBC 365 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.

OCBC 365 Credit Card

OCBC

UOB One Card

UOB

Your adjusted comparison

Feature
OCBC 365 Credit Card

OCBC 365 Credit Card

OCBC

UOB One Card credit card

UOB One Card

UOB

Fees & eligibility
Annual fee$192$192
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$696/yr$801/yr
Online shopping$500 × 3% = $15/mo ($180/yr)$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Dining & delivery$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo—
Fuel$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo—
Top reward rate6%Up to 10%
Primary reward cap$80 rewards/mo cap$100 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus—$100

Stack mode (hold both)

Cap-aware split: ~$972/yr combined NAV ($171 vs best solo). Both annual fees apply.

OCBC 365 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 OCBC 365 Credit Card by about $105/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

OCBC 365 Credit Card vs UOB One Card comparison table
FeatureOCBC 365 Credit Card

OCBC

UOB One Card

UOB

Fees & eligibility
Annual fee$192$192
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$696/yr$801/yr
Online shopping$500 × 3% = $15/mo ($180/yr)$500 × 10% = $50/mo ($600/yr) · issuer max $100/mo
Groceries (offline)$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo$500 × 5% = $25/mo ($300/yr) · issuer max $100/mo
Dining & delivery$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo—
Fuel$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo—
Top reward rate6%Up to 10%
Primary reward cap$80 rewards/mo cap$100 rewards/mo cap
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus—$100

Frequently asked questions

Which card has the lower annual fee?
OCBC 365 Credit 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?
OCBC 365 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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