OCBC 365 Credit Card vs Standard Chartered Smart Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, OCBC 365 Credit Card comes out ahead on estimated net value — about $997.80/yr more than the Standard Chartered Smart Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | OCBC 365 Credit Card Best value | Standard Chartered Smart Card |
|---|---|---|
| Issuer | OCBC | Standard Chartered |
| Annual fee | $196.20 / year | No annual fee |
| Welcome bonus | — | — |
| Min. income (monthly) | SGD 30,000 | SGD 30,000 |
| Reward type | cashback | cashback |
| Headline rate | 6% cashback | 6% cashback |
| Bonus categories | fuel, dining, groceries, transport | fast_food, streaming, transport |
| Lounge access | No | No |
| Foreign tx fee | 3.25% | 3.5% |
| Est. net value / yr | $1,351.80 | $354 |
| Apply | Apply |
Frequently asked questions
- OCBC 365 Credit Card vs Standard Chartered Smart Card: which is better?
- On our reference spend profile the OCBC 365 Credit Card delivers higher estimated net value than the Standard Chartered Smart Card in Singapore, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between OCBC 365 Credit Card and Standard Chartered Smart Card?
- OCBC 365 Credit Card: $196.20 / year. Standard Chartered Smart Card: No annual fee.
- Which earns more rewards, OCBC 365 Credit Card or Standard Chartered Smart Card?
- OCBC 365 Credit Card earns 6% cashback; Standard Chartered Smart Card earns 6% cashback. We rank by net value after fees, not headline rate alone.