Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card gives an attractive cashback rate on eligible spend, helps spenders split up their purchases into 3-month interest-free instalments with no processing fees, and comes with no annual fee.

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• Promotion is valid for new Standard Chartered credit card members only
• Apply for the SCB Smart Card or SCB Rewards+ Credit Card and make a min. spend of S$250 within 30 days of card approval to be eligible for rewards

Receive an additional S$20 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval

Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval

• Promotion is valid until 1 May 2024
• Terms and Conditions apply

Note: Effective January 1st, physical card activation is now required to receive gifts, instead of solely activating digitally.

Product Page Transparency

• Pays to access additional features

Card Features & Details

1) Key Features

• 6% cashback with no minimum spend
• S$288 Cashback when you spend S$388 within 30 days of card approval
• 3-month interest-free instalments with no processing fees

2) Benefits

Cashback

• 6% cashback on all eligible spend in equivalent Rewards Points with no minimum spend made at McDonald’s, KFC, Subway, Burger King, Ya Kun Kaya Toast, Toast Box, BUS/MRT via SimplyGo, Netflix, Spotify, YouTube, Disney+ in Singapore
• 0.5% unlimited cashback in equivalent Rewards Points on all other spends
• No cashback cap 
• S$288 cashback when you activate your Simply Cash Credit Card

The Good Life Privileges

• Enjoy access to exciting privileges, promotions and benefits with your Standard Chartered Simply Cash Credit Card such as:
• TANGS - Up to S$40 voucher or promo code
• Caltex - Up to 20.7% savings and more
• Agoda - Up to 18% off accommodation worldwide
• Expedia - Up to 20% off eligible hotel bookings
• Standard Chartered Singapore Marathon 2023 - 15% off registration fees

3) Eligibility

• Age: 21 years old and above
• Citizenship: Singaporeans, PRs and Foreigners
• Minimum annual income:
• S$30,000 for Singaporeans/PRs
• S$60,000 for Foreigners

4) Fees & Charges

• Annual principal fee: S$0
• Supplementary card annual fee: S$0
• Late payment fees: S$100
• Repayment grace period: At least 22 days from billing/statement date
• The minimum payment due will be:
• (i) the greater of either S$50 or 1% of principal (Including any instalments billed in the current month); plus
• (ii) interest, fees, and charges; and
• (iii) over limit amount and past due amount (if any).
• Outstanding balances that are below S$50 shall be repaid in full.
• Cash advance charges: Cash advance fee per transaction is charged at 8% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum)
• Overlimit fee: S$40

Frequently Asked Questions

Can you enjoy annual fee waiver for the Standard Chartered Smart Credit Card?

• There is no annual fee for the Standard Chartered Smart Credit Card

Who should apply for the Standard Chartered Smart Credit Card?

• Spenders who like a credit card with no annual fees

What is the minimum income requirement for the Standard Chartered Smart Credit Card?

• Singapore/PR: Minimum Income of S$30,000
• Foreigners: Minimum Income of S$60,000