Uob One Card vs Dbs Altitude Visa — Singapore (2026)

UOB One 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
• UOB One Card
• DBS Altitude Visa
• Exclusions compared
• Who should pick which
• Spend scenarios
• Before you apply

At-a-glance comparison

IssuerUOBDBS Annual fee$192$194.40 Min income$2,500/mo$3,000/mo Top reward10%3% Forex markup3.25%2.8% Secured optionNoNo Moderate NAV winnerUOB One Card—

Net annual value by spend profile

Light spender net value$308-$12 Moderate spender net value$608$274 Heavy spender net value$1,411$869

Reward rules compared

Reward rule 1online shopping: 10% (cap $100/mo)travel: 3% (cap $500/mo)Reward rule 2groceries: 5% (cap $100/mo)online shopping: 2%Reward rule 3all: 3.33%all: 1.2%

Benefits compared

UOB One Card

• Up to 10% cashback
• Grab/Shopee bonuses
• Fee waiver on spend

DBS Altitude Visa

• Miles on all spends
• Travel insurance
• 2 lounge visits/year

UOB One Card — full breakdown

UOB One Card

Issuer: UOB · Tier: Gold · Annual fee: $192 · Signup bonus: $100

Flat cashback on daily spends

Eligibility snapshot

• Min monthly income (salaried): $2,500
• Secured / FD-backed: No — standard unsecured
• Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.

Reward structure

• online shopping: 10% cashback — cap $100/month
• groceries: 5% cashback — cap $100/month
• all: 3.33% cashback

Headline highlight: 10% on online shopping (cap $100/mo)

Net value estimate (moderate spend profile)

• Gross annual rewards: $739
• Annual fee: −$192
• Forex markup cost (est.): −$39 (3.25% on international spends)
• Net annual value: $608 (2.11% effective return)

Key benefits

• Up to 10% cashback
• Grab/Shopee bonuses
• Fee waiver on spend

Exclusions & fine print

Typically excluded or reduced: Insurance, Government payments, Balance transfers.

Best for: Flat cashback on daily spends

Read full UOB One Card review with spend simulator →

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DBS Altitude Visa — full breakdown

DBS Altitude Visa

Issuer: DBS · Tier: Platinum · Annual fee: $194.40

Miles for frequent travellers

Eligibility snapshot

• Min monthly income (salaried): $3,000
• Secured / FD-backed: No — standard unsecured
• Approval note: Indicative only. CBS checked by bank at application, not by CardHungry.

Reward structure

• travel: 3% cashback — cap $500/month
• online shopping: 2% cashback
• all: 1.2% cashback

Headline highlight: 3% on travel (cap $500/mo)

Net value estimate (moderate spend profile)

• Gross annual rewards: $502
• Annual fee: −$194.40
• Forex markup cost (est.): −$34 (2.8% on international spends)
• Net annual value: $274 (0.95% 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: Miles for frequent travellers

Read full DBS Altitude Visa review with spend simulator →

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Exclusions compared

CommonInsurance, Government payments, Balance transfersInsurance, Government payments, Balance transfers

Who should pick which?

• Pick UOB One 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 $2,000/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 $1,000/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.