SCB Unlimited Cashback Card Reviews and Comparison - Seedly
 
SCB Unlimited Cashback Card
4.3
54 reviews
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Reviews (54)
4.3
Reviews (54)
4.3
  • 5
    29
  • 4
    18
  • 3
    5
  • 2
    0
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  • Nice 1.5% cashback on everything without annoying qualification hoops. However, at best equal to HSBC Advance credit card which gives 1.5% with no requirements and can be much worse (for spend more than $2k, the HSBC offering increases to 2.5% and with Advance banking relationship gives up to 3.5% - so more than 2x better) The only caveat is HSBC is limited (spend up to circa S$3k per month) - so for really big ticket items this card maybe better. But given that is once in a while, this doesn't end up with a space in my wallet.
    0 comments
    0
  • Very high cash promotions for new to bank sign ups. 1.5% unlimited cashback with no minimum spend, good for low spenders who don’t have to fulfil different category spendings. Hassle free!
    0 comments
    0
  • Updated on 19 Sep 2019
    Generally decent cash back, but mostly worth it if you spend in larger amounts ($700 & above). The credit billing cycle is also rather confusing to locate in-app as well. But, I’ll still use it for occasional bigger ticket items.
    0 comments
    6
  • Posted on 19 Sep 2019
    Easy to use, no frills cash back card with no minimum spend. However, Standard Chartered's billing cycle is shorter than other major banks.
    0 comments
    9
  • Posted on 19 Sep 2019
    One of the highest Cashback card with no minimum spend. Riding on MasterCard makes the product better than it’s competitor awarding the same 1.5%.
    0 comments
    0
  • Posted on 19 Sep 2019
    Great card with 1.5% cashback on all spending with no cap and minimum spending. Deserves a space in my wallet.
    0 comments
    0
  • Posted on 19 Sep 2019
    Loving th 1.5% cashback on any spending. The cashback will benefit us in terms of off setting the amount spent
    0 comments
    0
  • Posted on 19 Sep 2019
    Okay, so 1.5% doesn’t sound impressive. But most cashback cards require that you fulfil their minimum spending requirements before they’ll grudgingly hand over the rebates, and even so, there’s a limit to how much you can receive.
    0 comments
    0
Questions (7)

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Credit Card

Transportation

SCB Unlimited Cashback Card

Eric Ong Cfa
Eric Ong Cfa
Level 5. Genius
Answered 2w ago
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.

SCB Unlimited Cashback Card

Credit Card

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/

DBS Multiplier

SCB Unlimited Cashback Card

Yinghua Liu
Yinghua Liu
Level 4. Prodigy
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.

Credit Card

SCB Unlimited Cashback Card

AMEX True Cashback Card

Dexter Tiah
Dexter Tiah
Level 3. Wonderkid
Updated on 20 Jun 2019
I think the best generic ones are stanchart unlimited card and amex true cashback card at 1.5% rebate on all spend, with no minimum. I personally have the stanchart unlimited card and will be getting the amex true cashback the moment i have a s$5k expense (because you get 3% for the first s$5k spent in the first few months. To maximize your rewards, to some general googling because these 2 cards have quite a big of sign-on bonus (i.e. pick your poison, either singsaver, friends referral, etc). If you want to see which merchants give you additional cashback (above and beyond these 2 great general spending cashback cards), check out www.whatcard.sg before your specific purchase, or as general research to which card to get that suits your specific consumption habits

SCB Unlimited Cashback Card

SCB Singpost/Spree Card

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 11 Jun 2019
In terms of Utility payment, best is to look for each retailer's website offer with the banks, so that you aim for the best deal as they have partnership that offer better deals than SCB Unlimited. If the retailers of your choice has no other deal, SCB Unlimited has no exclusion, so you can use it for anything (including phone/internet bill) and get the 1.5% cashback. However, if phone / internet bill provider has any deals with the bank (eg. m1 with citibank), those would have offer better deals that charge to SCB unlimited. Cheers

SCB Unlimited Cashback Card

DBS Altitude Visa Signature Card

HSBC Revolution Card

DBS Live Fresh Card

Credit Card

Shopping

Dominic Chang
Dominic Chang
Level 3. Wonderkid
Answered on 07 Jun 2018
Depends. You can look into BOC Family card. 10% on Dining, 5% on online shopping. However minimum spend is $700 so you will be putting everything onto your card expense.

SCB Unlimited Cashback Card

Credit Card

Loh Tat Tian
Loh Tat Tian
Level 6. Master
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.
About SCB Unlimited Cashback Card
Card NameSCB Unlimited Cashback Card
Cashback Rate1.50%
Monthly Cashback CapNone
Monthly Min SpendNone
HighlightsFuss-free Unlimited cashback

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.

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)

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: