No frills or no conditions attached to SCB Cashback card on 1.5% cashback, and prefer this over miles accumulation as it is a direct cash discount off every month. Used it to charge ad-hoc high-amount purchases such as air tickets, medical expenses, school fees etc.
I use this mainly as a back up card when some large, one-off, spendings dont fall under any popular categories- e.g. purchasing a 1-year gym membership, large sum deposit. I like that there's no minimum spending nor cashback cap!
Appliged for this card under the recommendation of my colleague as there is no minimum spending required each month. It suits me as I do not have any particular category that I spend on every month, so a "general" credit card would be more effective for me. The cashback is really not a lot but at least you will get something back from your spendings.
Just got this card recently since I switched my main card DBS Live Fresh to DBS Visa Debit while using this card as additional card. The sign up process was very fast, took me less than 2 weeks from sign up to receiving the card.
Would recommend anyone who is looking for a fuss-free cashback without minimum spend / special conditions
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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
Interest Free Period:
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is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
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
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)
1-for-1 dining privileges at participating restaurants such as Spinelli Coffee Company, Comnam Vitenamese Street Eats. Soup Restaurant, Mui Kee Congee, NamNam Noodle, Peperoni Pizzeria etc.
Up to 21.04% effective fuel savings at Caltex
Up to 20% cashback on Grab rides (capped at $30/month)
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: