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.

SingSaver Sure Win, Sure Huat: Get 1x Red Packet worth up to S$8,888

• SingSaver CNY Sure Win, Sure Huat promotion runs from 8 January 2025, 9:00 AM SGT to 26 January 2025.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply for participating products on SingSaver during the promo period to win 1x Red Packet worth up to S$8,888!
• Red Packet may be opened on Chinese New Year, from 27 January 2025 to 12 February 2025.
• Red Packet reward will be received on top of existing SingSaver promotional rewards.
• Terms and Conditions apply.
• SingSaver General Promotion Terms and Conditions apply.

SingSaver Exclusive Promotion: Receive an AirPods 4 with Active Noise Cancellation (worth S$249), 2x HomePod mini Bundle (worth S$280.50), or S$208 Cash

• Promotion is valid until 26 January 2025.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for reward.
• Fastest Cash Fulfilment: Receive your SingSaver Exclusive cash reward in as little as 4 weeks!
• Promotion is not stackable with other welcome offers from Standard Chartered.
• Terms and Conditions apply.

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