SCB Unlimited Cashback Card Reviews and Comparison - Seedly
Reviews (42)
4.3
Reviews (42)
4.3
  • 5
    22
  • 4
    16
  • 3
    2
  • 2
    0
  • 1
    2

Most Helpful

  • Most Helpful
  • Most Recent
  • Low to High
  • High to Low
  • Updated on 13 Jun 2019
    Pros: 1) Copy Cat of Amex True Cashback card at 1.5% cash back with no limit and no min spend, so apply this for Big Hospital Bills / Wedding / Travel to States / Europe etc etc. No other benefits do I find.
    1 comment
    2
    HC Tang
    HC Tang

    07 Aug 2018

    Another tips to add is that this card have very little Exclusion clause, and much more acceptable than AMEX True Cashback card. So you can use this card for any spending. The only catch is that it only offers 1.5%, which is very limited Cash back.
  • Updated on 19 May 2018
    My most used card. Has no minimum spending requirement and no cashback cap. 1.5% cashback, plus there are many 1 for 1 dining deals from Standard chartered! Can also be used as EZ-link card too!
    0 comments
    2
  • Updated on 13 Jun 2018
    Easy to use, and good for a secondary card. No frills and works for almost anything - I use it to purchase Facebook ads on my side gig, since costs vary from month-to-month.
    0 comments
    1
  • Updated on 19 May 2018
    The card that I settle down on to use for most purchases. No minimum purchases required, no concierge fee when using honest bee + other perks for being standard chartered customer (15% off some online merchants) so to me it is one of the most direct card to use on top of the savings.
    0 comments
    1
  • Posted on 01 Jul 2019
    This is the only card you need. 1.5% cashback, without minimum spending and no cap. Save the hassle of thinking which card to use.
    0 comments
    0
  • Updated on 01 Jul 2019
    Good card to use with its 1.5% cash back on all products. One of the most fairly straightforward cards to plan expenditure. Currently using it!!
    0 comments
    0
  • Posted on 01 Jul 2019
    A card with no minimum spending - great for people who doesn’t like to keep track on spending! 1.5% is better than nothing. Go for it, if u dislike administrative matters
    0 comments
    0
  • Posted on 01 Jul 2019
    Best cashback card in the market for now with no minimum spendings and no cap. Great for both online and offline shopping.
    0 comments
    0
Questions (6)

Recent Activity

  • Recent Activity
  • Unanswered
  • Trending

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: