Standard Chartered Smart Card vs UOB One Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, UOB One Card comes out ahead on estimated net value — about $613.80/yr more than the Standard Chartered Smart Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Standard Chartered Smart Card | UOB One Card Best valuePopular |
|---|---|---|
| Issuer | Standard Chartered | UOB |
| Annual fee | No annual fee | $196.20 / year |
| Welcome bonus | — | Up to S$200 cashback |
| Min. income (monthly) | SGD 30,000 | SGD 30,000 |
| Reward type | cashback | cashback |
| Headline rate | 6% cashback | 5% cashback |
| Bonus categories | fast_food, streaming, transport | telecom, groceries, transport |
| Lounge access | No | No |
| Foreign tx fee | 3.5% | 3.25% |
| Est. net value / yr | $354 | $967.80 |
| Apply | Apply |
Frequently asked questions
- Standard Chartered Smart Card vs UOB One Card: which is better?
- On our reference spend profile the UOB One 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 Standard Chartered Smart Card and UOB One Card?
- Standard Chartered Smart Card: No annual fee. UOB One Card: $196.20 / year.
- Which earns more rewards, Standard Chartered Smart Card or UOB One Card?
- Standard Chartered Smart Card earns 6% cashback; UOB One Card earns 5% cashback. We rank by net value after fees, not headline rate alone.