SCB Singpost/Spree Card

SCB Singpost/Spree Card

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Ratings Breakdown (4)

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  • 3
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Card NameSCB Singpost/Spree Card
Cashback Rate1 - 3%
Monthly Cashback Cap$60 per month
Monthly Min SpendNone
Highlights0% Interest instalment plan
More about SCB Singpost/Spree Card
Reviews (4)
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  • Tian Hui
    Tian Hui
    9 Reviews, 20 Upvotes
    Reviewed on 30 May 2018
    I have started using this card for it’s cashback for online spending. Generally satisfied with this card and will continue using for online purchases :)
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  • Chun Kit
    Chun Kit
    4 Reviews, 4 Upvotes
    Reviewed on 28 May 2018
    I signed up for this because it has no minimum spend. The application was quick and easy as compared to DBS. However, I reduced the usage of this card as I feel 1-2% cashback is a bit Low. There are more competitive cards outside if you can hit like at least 300 a month
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  • Ng Hui Qun
    Ng Hui Qun
    2 Reviews, 8 Upvotes
    Reviewed on 27 May 2018
    I use this card once I've hit the $500 min spending for my UOB One card. + no min spending for the cashback - ez link top ups not eligible for cashbacks Quite a straightforward card. I like it because there's no need to hit any minimum spending. Granted, the cashback amount is not considered high, it's better than not earning anything since I'm unlikely to hit a 1k min spend per month (for the next tier on UOB One Card), and other cards typically require a min spending of $500 or $600 to qualify for cashback (though their cashback % are usually higher). Yup.. so for me (based on my spending pattern), it's quite a good way to get back that extra few bucks every month. :)
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  • Gerard Ong
    Gerard Ong
    2 Reviews, 37 Upvotes
    Reviewed on 26 May 2018
    This card is a cashback card. Essentially, its value proposition is similar to the SCB unlimited cashback card, in that it gives you cashback on all types of cc spending without any minimum spend required. The difference here is that it is slightly more specialized:- - it gives 2% cashback on all SGD online spend and all mobile payments (Samsung Pay / Apple Pay / etc) and all contactless payments (Visa Paywave / Mastercard PayPass / etc). This is a very broad category which should cover most of your normal spending. - it gives 3% cashback on all foreign currency online spend - for any other retail spend that doesn't fall into the above categories, you get 1% cashback. For most people, I believe the bulk of your spending will be on online shopping / eating in restaurants or cafes / shop at stores which most likely have a POS contactless terminal. For all these spending, you will likely be able to get the 2% cashback, which is mathematically better than the SCB Unlimied that only gives 1.5% cashback. The only drawback I see are certain transactions which won't qualify for the 2%, such as: - insurance premiums - monthly deductions (e.g. utilities / telco / etc.) - shops which use magnetic swiping instead of contactless terminals For such examples like those above, you should then use the SCB Unlimited card. Hence, I see this card as being complementary to the Unlimited Card. It's my go-to default cashback card for almost all my usual retail spend when I go out dining / shopping with friends.
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Fees and Charges for SCB Spree Credit Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: Free
  • Fee waiver: Available
  • Annual Interest Rate: 26.90%
  • Minimum monthly payment: 1% or $50, whichever is higher
  • Late payment charge: $80
  • Cash advance fee: 6%
  • Overlimit fee: $40

Eligibility for SCB Spree Credit Card

  • Singaporeans and PR; Minimum annual income of $30,000
  • Foreigners; Minimum annual income of $60,000

Key features of SCB Spree Credit Card

  • No minimum spend
  • Earn up to 3% cashback on all online spend in foreign currency and all vPost spend
  • Earn up to 2% cashback on all online spend in local currency, including contactless and mobile payments
  • Earn up to 1% cashback on all other retail spend
  • 0% interest instalment plan


Terms and conditions of SCB Spree Credit Card

  • Only transactions from selected merchants will be eligible for cashback
  • The following transactions are not eligible for cashback: cash advances, reoccurring payments, tax refunds, tax payment, insurance premium charges. For full list, please visit Standard Charted Bank Spree Credit Card’s page here.
  • For more credit card info, please check out this document.

For more info, you can check out SCB Spree Credit Card’s page.