SC Unlimited Cashback CC or SC Spree CC? - Seedly
 

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Standard Chartered Unlimited Cashback Credit Card

Asked by Anonymous

Asked on 08 May 2018

SC Unlimited Cashback CC or SC Spree CC?

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Answers (4)

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Gabriel Tham
Gabriel Tham
Level 8. Wizard
Answered on 09 May 2018

Depends on your spending needs.

Spree card has better cashback benefits for online and foreign transactions. It also has cashback cap but no minimum spend required.

Unlimited cashback is a flat cashback % for all spends but has no cashback cap and no minimum spend required too.

So, if you spend alot online maybe consisder spree card. If you spend alot offline, maybe get the unlimited.

https://www.sc.com/sg/credit-cards/spree-credit-card/

https://www.sc.com/sg/credit-cards/unlimited-cashback-credit-card/

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Gigco Work
Gigco Work
Level 1. Freshie
Answered on 01 Jul 2019

It depends on your total spending AND how you pay for things.

For me, I spend around $700/month. Spree is good if:

  • you pay using applepay or other mobile contactless (which will earn you 2%)

  • you spend less than $3000/month because that's when you'll hit the $60 cashback cap.

Unlimited is good if:

  • you spend more than $4000/month because the unlimited rebate on all spending Both cards have no minimum spending, which I love.

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Stephanie Ng
Stephanie Ng
Level 3. Wonderkid
Answered on 13 Jun 2018

Personally I use Spree cos it's a higher cashback. For big purchases I will use Manhattan. So the unlimited cashback to me is like not here or there haha

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Kenneth Lou
Kenneth Lou
Level 8. Wizard
Answered on 09 May 2018

I think really based on your spending needs! As shared by Gabriel... It's between an unlimited 1.5% or the higher capped value.

However, for the higher capped value spree card, it pales in comparison with other banks card eg DBS Live Fresh or the BOC Family card which offer up to 5-10% online spend and F&B spend. Do check them out :)

We consolidated a few of them in an unbiased report here:

https://blog.seedly.sg/the-ultimate-cheatsheet-best-cashback-credit-cards-for-working-adults-2018/

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