SC Journey vs DBS Altitude Visa — Singapore (2026)
Side-by-side comparison of SC Journey and DBS Altitude Visa for Singapore users. Fees, rewards, and who each card suits best. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 6 October 2026·2 cards · 3 min scan·CardHungry
Top pick · DBS Altitude Visa
Net / yr
$600
Annual fee
$196
Return
2.1%
Comparison
Net annual value · moderate spend
Comparison winner: DBS Altitude Visa, $600 per year net
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196.20
Top
3 miles/S$1
- ✓Wins this head-to-head — about $600/yr net after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
DBS Altitude Visa
DBS
Net / yr
$600
Fee
$196.20
Top
3 miles/S$1
- ✓Wins this head-to-head — about $600/yr net after fees on typical spends.
- ✓Best for travel — 3 miles/S$1, up to S$500/mo.
SC Journey Credit Card
Standard Chartered
Net / yr
$413
Fee
$196.20
Top
3X 360° points
- ✓Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- ✓Best for travel — 3X 360° points.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $196 fee on this profile.
2SC Journey Credit CardStandard Chartered
- Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $196 fee on this profile.
Full review →Net / yr
$413
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about $600/yr net after fees on typical spends.
- Best for travel — 3 miles/S$1, up to S$500/mo.
- Rewards ($830/yr) still beat the $196 fee on this profile.
1DBS Altitude VisaDBS
- Wins this head-to-head — about $600/yr net after fees on typical spends.
- Best for travel — 3 miles/S$1, up to S$500/mo.
- Rewards ($830/yr) still beat the $196 fee on this profile.
Full review →Net / yr
$600
- Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $196 fee on this profile.
2SC Journey Credit CardStandard Chartered
- Strong runner-up at $413/yr net — roughly $187 behind #1 on the same spend mix.
- Best for travel — 3X 360° points.
- Rewards ($648/yr) still beat the $196 fee on this profile.
Full review →Net / yr
$413
Net value snapshot
Rewards minus annual fee on your spend profile
- #1DBS Altitude Visa$600#1DBS Altitude Visa$600
- #2SC Journey Credit Card$413#2SC Journey Credit Card$413
Before you apply
Neither wins for everyone
sc journey sg vs dbs altitude visa — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CBS enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Sc Journey Sg or Dbs Altitude Visa — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Sc Journey Sg may win for one profile; Dbs Altitude Visa for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
SC Journey Credit Card vs DBS Altitude Visa — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- SC Journey Credit Card
- DBS Altitude Visa
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | SC Journey Credit Card | DBS Altitude Visa |
|---|---|---|
| Issuer | Standard Chartered | DBS |
| Annual fee | $196.20 | $196.20 |
| Fee waiver | Not published | Not published |
| Min income | $50,000/yr | $30,000/yr |
| Lounge | Airport lounge access at select airports | 2 complimentary lounge visits per year |
| Top reward | 3X 360° points | 3 miles/S$1 |
| Forex markup | 3.25% | 2.8% |
| Secured option | No | No |
| Moderate NAV winner | DBS Altitude Visa | — |
Net annual value by spend profile
| Profile | SC Journey Credit Card | DBS Altitude Visa |
|---|---|---|
| Light spender net value | $54 | $128 |
| Moderate spender net value | $413 | $600 |
| Heavy spender net value | $1,148 | $1,638 |
Reward rules compared
| Rule | SC Journey Credit Card | DBS Altitude Visa |
|---|---|---|
| Reward rule 1 | travel: 3X (cap $500/mo) | travel: 3X (cap $500/mo) |
| Reward rule 2 | all: 1.5X | online shopping: 2X |
| Reward rule 3 | — | all: 1.2X |
Benefits compared
SC Journey Credit Card
- 360° rewards points
- Lounge access
- Travel insurance
DBS Altitude Visa
- Miles on all spends
- Travel insurance
- 2 lounge visits/year
SC Journey Credit Card — full breakdown
SC Journey Credit Card
Issuer: Standard Chartered · Tier: Platinum · Annual fee: $196.20
SC travel rewards
Eligibility snapshot
- Min annual income (salaried): $50,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- travel: 3X points — cap $500/month
- all: 1.5X points
Headline highlight: 3X 360° points on Travel
Net value estimate (moderate spend profile)
- Gross annual rewards: $648
- Annual fee: −$196
- Forex markup cost (est.): −$39 (3.25% on international spends)
- Net annual value: $413 (1.43% effective return)
Key benefits
- 360° rewards points
- Lounge access
- Travel insurance
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Travel rewards
Read full SC Journey Credit Card review with spend simulator →
DBS Altitude Visa — full breakdown
DBS Altitude Visa
Issuer: DBS · Tier: Platinum · Annual fee: $196.20
Miles for frequent travellers
Eligibility snapshot
- Min annual income (salaried): $30,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- travel: 3X points — cap $500/month
- online shopping: 2X points
- all: 1.2X points
Headline highlight: 3 miles/S$1 on Travel (cap S$500/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: $830
- Annual fee: −$196
- Forex markup cost (est.): −$34 (2.8% on international spends)
- Net annual value: $600 (2.08% effective return)
Key benefits
- Miles on all spends
- Travel insurance
- 2 lounge visits/year
Exclusions & fine print
Typically excluded or reduced: Insurance, Government payments, Balance transfers.
Best for: Frequent flyers in Singapore · DBS miles collectors
Read full DBS Altitude Visa review with spend simulator →
Exclusions compared
| Typically excluded | SC Journey Credit Card | DBS Altitude Visa |
|---|---|---|
| Common | Insurance, Government payments, Balance transfers | Insurance, Government payments, Balance transfers |
Who should pick which?
- Pick SC Journey Credit Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick DBS Altitude Visa if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under $130/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under $65/yr, choose the free card.
Before you apply
CardHungry never pulls CBS. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CBS pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.