Standard Chartered Unlimited Cashback Credit Card Reviews and Comparison - Seedly
 

Standard Chartered Unlimited Cashback Credit Card

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Credit Cards/Standard Chartered Unlimited Cashback Credit Card

SCB Unlimited Cashback Card

Up to 1.5% on eligible spend
CASHBACK
Unlimited
CASHBACK CAP
$0
MINIMUM SPEND

    SCB Unlimited Cashback Card

    Up to 1.5% on eligible spend
    CASHBACK
    Unlimited
    CASHBACK CAP
    $0
    MINIMUM SPEND
Reviews (71)

4.3

71 Reviews

  • 5
    38
  • 4
    23
  • 3
    7
  • 2
    0
  • 1
    3

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  • Updated 1d ago

    Purchased

    SCB Unlimited Cashback Card

    [Cashback Card] [Bill Payment] [Others] Been using Standard Chartered Unlimited Cashback Card since early 2019 to collate all my bill payments so that I could easily keep track of my bills such as insurances (AIA, Prudential, Aviva), Utilities (Geneco) and Telco (SingTel). For some reason can't use it to pay for SP bills which is a bummer. For the cashback, been averaging getting $7 - $8 cashback for a monthly bill payment of $800+. Probably some of the bills are not eligible. Interface is awe-full compared to other banks (Citibank & DBS), the bank really need to work on it.
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  • Updated 3d ago

    Purchased

    SCB Unlimited Cashback Card

    Used to love Standard Charter Unlimited card because it was so fuss free. But, in the past few months, have been using the app to pay and it’s confusing knowing how much to exactly pay unless you check your settlement. Pay the full settlement sum and was still charged interest. Will consider dropping as its troublesome to dispute with CS (for a few dollars).
    0 comments
    0
  • Updated 4w ago

    Purchased

    SCB Unlimited Cashback Card

    I have used this as my secondary card for all other non-promo items. It works exceptionally well as a [Cashback Card] , since it gives 1.5% cashback Every month without fail. Though its not a lot, it is better than alot other cards which has a minimum threshold of spending required.
    0 comments
    0
  • Posted 4w ago

    Purchased

    SCB Unlimited Cashback Card

    Convenient & hassle free cashback card, cash back is credited back to bill every month and no need for additional redemptions.
    0 comments
    0
  • Posted 4w ago

    Purchased

    SCB Unlimited Cashback Card

    Decent card for everyday use with the 1.5% cash back. The online payment for the card is not user friendly. I cannot tell if i had paid and made double payment multiple times.
    0 comments
    0
Questions (13)

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YouTrip

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

Cashback

Multi Currency Cards

According to the terms and conditions, any top-up to prepaid cards are excluded. Here is everything about me and what I do best.

Credit Card

Savings

Promo Codes

Standard Chartered Unlimited Cashback Credit Card

F
Financialblur
Level 2. Rookie
Answered on 20 Dec 2019
Https://www.sc.com/sg/promotions/mgm/?subChanCode=IB10&referId=6591185897&instance=MGM-SCM

Credit Card

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

SG Budget Babe

Wallace Chai
Wallace Chai
Top Contributor

Top Contributor (Dec)

Level 9. God of Wisdom
Answered on 09 Dec 2019
You can close the account and still be able to use the credit card. Put your money in DBS and keep using standard chartered card as its unlimited cap is really useful.

Standard Chartered Unlimited Cashback Credit Card

Revolut

YouTrip

Credit Card

Standard Chartered

According to the terms, top-ups to prepaid cards form part of the general exclusion. More info: https://www.sc.com/sg/credit-cards/unlimited-cashback-credit-card/ Here is everything about me and what I do best.

Credit Card

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

Loh Tat Tian
Loh Tat Tian
Level 8. Wizard
Answered on 26 Nov 2018
You will need to check directly with the bank. However, most merchants seldom accept now. So you are right, most premiums are excluded for rebates. But what I do know is they do accept the amount fir minimum spending.

Credit Card

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

Alfred Chan
Alfred Chan
Level 4. Prodigy
Answered on 25 Nov 2019
Insurance is not counted for 1.5% cashback. You may want to consider HSBC advance, they provide 1.5% cashback too but its capped at $70 per month.

Credit Card

UOB One

Standard Chartered Unlimited Cashback Credit Card

UOB One's general rebate is really hard to fully take advantage of - for the headline "up to 5% on everything" - the key part is UP TO you need to get exactly $2k per month for 3 months to get the 5%. Any less and you get lower tiers (3.3% or worse), even any higher you won't get more cashback so starts to effectively be lower than 5%. Given your spend amount - you could qualify for lowest tier and if you are confident that you could put through $500 per month consistently then maybe worth considering otherwise I would give it a pass.

Credit Card

Transportation

Standard Chartered Unlimited Cashback Credit Card

Eric Ong
Eric Ong
Level 6. Master
Answered on 04 Oct 2019
I use Youtrip card to make up my UOB 500 Minimum expense to get the bonus interest. https://www.you.co/en-SG/ It is also my foreign currencies wallet when I go overseas.

Credit Card

Standard Chartered Unlimited Cashback Credit Card

Gabriel Tham
Gabriel Tham
Level 9. God of Wisdom
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/

DBS Multiplier

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

Yinghua Liu
Yinghua Liu
Level 5. Genius
Answered on 24 Jun 2019
Only spend on DBS/POSB credit Card is counted for the DBS multiplier. You can just spend any amount on the DBS/POSB credit card (no min spend) to fulfil that criteria.
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Eligibility for Standard Chartered Unlimited Cashback Card

  • 21 years old and above
  • Income of S$30,000 and above per annum for Singaporeans and PR
    Income of S$60,000 and above per annum for foreigner

Fees and Charges for Standard Chartered Unlimited Cashback Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: -
  • Fee waiver: 2 years annual fee waiver
  • Annual Interest Rate: Effective interest rate of 25.9% per annum. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.
  • Minimum monthly payment: 1% of principal plus interest, fees and charges (or S$50, whichever is greater)
  • Late payment charge: A late payment charge of S$80 will be charged if minimum payment due is not received by the due date
  • Cash advance fee: Cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.

Key features of Standard Chartered Unlimited Cashback Card

  • 3% cashback on all foreign currency spend
  • 1.5% cashback on all spendings (No cashback cap and no minimum spend)

Terms and conditions of Standard Chartered Unlimited Cashback Card

  • Unlimited Cashback is awarded only on retail transactions which exclude those transactions listed in Clause 3 below (“Eligible Retail Transactions”) made on your Card based on the date such purchases are posted to your Card account.
  • For the avoidance of doubt, the date the transaction is charged may not be the same as the date the transaction is posted due to factors including but not limited to processing time and differences in time zones (where applicable).
  • For clarity, Eligible Retail Transactions charged to the Card in a month (as defined in Clause 6 below) but yet to be posted to the Card account by the Card statement date will not be taken into account in the computation of Unlimited Cashback earned for that month (as defined in Clause 6 below).
  • Unlimited Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible Retail Transaction without any rounding off.
  • Unlimited Cashback earned will be reflected in that month’s card statement but credited to your principal Card account only in the following statement cycle month. Such Unlimited Cashback amount will be automatically offset against the following statement cycle month’s billed amount.
  • Unlimited Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account.

Cash Rebate will not be awarded on:

  • any cash advance;
  • any fees and charges (including annual fees, late payment fees, interest charges, and or finance charges) charged to your Card;
  • any balance or fund transfer;
  • any monthly instalment of an EasyPay transaction;
  • any amount charged to your Card (and/or your supplementary credit card) that is subsequently cancelled, voided, refunded or reversed;
  • recurring payments or payments made to all billing organisations using Standard Chartered Online Banking;
  • AXS or ATM transactions made using the Card;
  • amounts which have been rolled over from the preceding months’ statements;
  • tax refunds credited into your Card account (and/or your supplementary credit card account);
  • any tax payments charged to your Card (and/or your supplementary credit card);
  • any insurance premiums charged to your Card (and/or your supplementary credit card); and
  • any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time: