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 12 Days of Credit Card Christmas: Get up to S$1,350 Cash

• SingSaver 12 Days of Credit Card Christmas promotion runs from 9 December 2024, 09:00 AM SGT to 20 December 2024.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply for participating credit cards during the promo period and fulfill any applicable min. spend criteria to be eligible for reward.
• Apply for 2 credit cards (at least one of which is from UOB, Maybank, or CIMB) to receive S$50 Bonus Cash via PayNow.
• Apply for 3 credit cards (at least one of which is from UOB, Maybank, or CIMB) to receive S$100 Bonus Cash via PayNow.
• Visit the Campaign Page here for full details.
• SingSaver 12 Days of Credit Card Christmas promotion Terms and Conditions apply
• SingSaver General Promotion Terms and Conditions apply.

SingSaver Cash Quest Giveaway: Get 10x chances to win S$50,000 Cash

• SingSaver Cash Quest Giveaway promotion runs from 6 November 2024, 05:00 PM SGT to 22 December 2024.
• Promotion is valid for new Standard Chartered credit cardmembers only.
• Apply for participating Standard Chartered credit cards and complete the Rewards Redemption Form to receive 10 Cash Quest Chances.
• Apply for select product bundles to receive an additional 10 Cash Quest Chances on top of the existing chances received (capped at 5 bundles).
• Download the SingSaver App and complete a verified login using the same SingSaver account used to apply for an Eligible Product to receive an additional 20 Cash Quest Chances on top of existing chances received.
• Campaign page here for full details.
• Cash Quest Giveaway promotion Terms and Conditions apply.
• SingSaver General Promotion Terms and Conditions apply.

SingSaver Exclusive Promotion: Receive a Flujo BEA Office Chair (worth S$549), AirPods 4 with Active Noise Cancellation (worth S$249), S$280 Lazada Vouchers, or S$240 Cash

• Promotion is valid until 5 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