Standard Chartered Smart Credit Card
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This product has not been claimed by the company yet.
Summary
Standard Chartered Smart Credit Card
At first glance, the Standard Chartered Smart Credit Card seems to be a bit of a head scratcher. Its headlining feature is a quite-attractive 6% cashback rate, with no minimum spends required. It gets better. There are no annual fees for this credit card whatsoever, and you can also split your payment into three interest-free instalments.
Exclusive Rewards
Receive an Apple Bundle [Airpods Gen 3 + MagSafe Charger] (worth S$331.05) / Harman Kardon Onyx Studio 7 Bluetooth Speaker (worth S$399) / S$310 Cash Upsized via PayNow
Promotion Criteria:
- When you apply and spend S$500 within 30 days of card approval
- Promotion valid only for new card members
- Promotion period:15 - 21 March 2023
- + MARCH MADNESS: Plus, enjoy 1x chance in our March Madness Grand Lucky Draw when you apply, for a chance to win your share of over S$20,000 worth of prizes! Terms and Conditions apply.
- Terms and Conditions, Click here
- This product is also available on our Prudential Lucky Draw of over S$23,000 worth of prizes. 8x Nintendo OLED (each worth S$549), 8x Playstation5 - sold out islandwide (each worth S$799), 8x Dyson Airwrap TM styler (each worth S$859), or 8x Apple iPad (each worth S$685.30)
- Promotion period: 13 February - 30 April 2023
Product page Transparency
- Pays to access additional features
Features & Benefits:
+ No cash advance fee
+ No annual fee
+ Get 3 months of Disney+ subscription
+ Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required
+ Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap
+ Enjoy 0% interest rates with 3-month EasyPay instalment tenure and 100% cashback on service fee
- Cashback capped at 14,400 reward points, approximately S$45, on selected merchants
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This product has not been claimed by the company yet.
Summary
Standard Chartered Smart Credit Card
At first glance, the Standard Chartered Smart Credit Card seems to be a bit of a head scratcher. Its headlining feature is a quite-attractive 6% cashback rate, with no minimum spends required. It gets better. There are no annual fees for this credit card whatsoever, and you can also split your payment into three interest-free instalments.
Exclusive Rewards
Receive an Apple Bundle [Airpods Gen 3 + MagSafe Charger] (worth S$331.05) / Harman Kardon Onyx Studio 7 Bluetooth Speaker (worth S$399) / S$310 Cash Upsized via PayNow
Promotion Criteria:
- When you apply and spend S$500 within 30 days of card approval
- Promotion valid only for new card members
- Promotion period:15 - 21 March 2023
- + MARCH MADNESS: Plus, enjoy 1x chance in our March Madness Grand Lucky Draw when you apply, for a chance to win your share of over S$20,000 worth of prizes! Terms and Conditions apply.
- Terms and Conditions, Click here
- This product is also available on our Prudential Lucky Draw of over S$23,000 worth of prizes. 8x Nintendo OLED (each worth S$549), 8x Playstation5 - sold out islandwide (each worth S$799), 8x Dyson Airwrap TM styler (each worth S$859), or 8x Apple iPad (each worth S$685.30)
- Promotion period: 13 February - 30 April 2023
Product page Transparency
- Pays to access additional features
Features & Benefits:
+ No cash advance fee
+ No annual fee
+ Get 3 months of Disney+ subscription
+ Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required
+ Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap
+ Enjoy 0% interest rates with 3-month EasyPay instalment tenure and 100% cashback on service fee
- Cashback capped at 14,400 reward points, approximately S$45, on selected merchants
Standard Chartered Smart Credit Card
6% on selected merchants
CASHBACK
$30,000
MINIMUM ANNUAL INCOME
Standard Chartered Smart Credit Card
6% on selected merchants
CASHBACK
$30,000
MINIMUM ANNUAL INCOME
3.6
7 Reviews
Most Helpful
- Posted 01 Mar 2023
Purchased
Standard Chartered Smart Credit Card
A pretty fuss free card for limited merchants. Good sign up bonus but however people have to take note that the points expire 3 years after the initial approval of the card. This is true even for points attained a few months before the 3 year mark.0
What are your thoughts? - Posted 23 Feb 2023
Purchased
Standard Chartered Smart Credit Card
[Promotions and Perks] Great first sign up promo via their website of $300/- into your credit account [Cashback Card] Fuss-free 6% cashback card for daily transportation and subscription bills in points. I prefer points as you get more control on how you want to utilize it (cash vouchers/shopping vouchers). [Fee Waivers] No annual fee [Customer Service] Customer service sometimes isn't really helpful in your queries, but I like how they have a chat option outside of the app, which is really helpful for first time applicants who want to find out more before applying. Unlike Citibank where the only way of communication without using their app is via call.0
What are your thoughts? - Posted 09 Feb 2023
Purchased
Standard Chartered Smart Credit Card
If you want to have a good Credit card, AVOID this one at all cost. So-so credit card only. Cheap comes with a reason - be prepared for sub-par customer service. Story: I had to retrieve a statement that was outside of my billing cycle i.e January 1st-30th. With Standard Chartered, you cannot log into the app and see it immediately, you will have to put in a request to have them deliver the statement in either PDF or letter. When it arrived encrypted in my email, the default password did not work. So guess what’s the logical thing to do? Call their customer service and for the password. So that’s what i did. The customer service guided me to use another password, which was not the one that i had set beforehand. So okay, no biggie, i’ll just reset the password and i should be able to view my statement right? WRONG. If you request for a new statement, the previous password does not apply. i finally gave up and requested for a paper statement. Whereas other banks can simply log into the app to view the statement for any date you want, Stan Chart will force you to request for a statement for your desired date. Oh i forgot the best part, you will have to pay for the statement. How much? $10 per statement. Therefore, i spent $30 just to view the statement for my own credit card. Sign up at your own risk.0
What are your thoughts? - Posted 03 Feb 2023
Purchased
Standard Chartered Smart Credit Card
Best : No Annual fees and there was a sign up bonus of $300/- and there was no minimum spend required to obtain the $300/-. Good0
What are your thoughts? - Posted 01 Jan 2023
Purchased
Standard Chartered Smart Credit Card
Use this card mainly for taking public transport as it gives extra reward points for public transport. Overall quite a fuss-free card if you take public transport daily. Not a direct cashback card where it minuses off from your bill but you have to redeem it using the points earned. Points can be used to redeem other vouchers as well if you do not want cashback for the card.0
What are your thoughts? - Posted 21 Dec 2022
Purchased
Standard Chartered Smart Credit Card
Pros: No min spend No annual Fee Cons: Reward limited. cashback is only good with some merchants. Good to have if you can plan your spending well.0
What are your thoughts? - Posted 21 Nov 2022
Purchased
Standard Chartered Smart Credit Card
Got this card last Dec. Speed of approval was fast within 1 or 2 days. This is a rewards card which gives 6% cashback in the form of rewards points for certain categories. However, the categories which gives you the points are limited. Merchent list within each category is also limited. You can redeem points for certain items however most if not all items are just vouchers. Other banks have better range of items to redeem from. On a whole I find the card is not as good as the competition and hard to recommend.0
What are your thoughts?
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Fees and charges of Standard Chartered Smart Credit Card
Minimum Payment: The greater of either S$50 or 1% of principal (including any installment billed in current month), interest fees and charges; plus any overlimit amount and past due amount.
Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.
Interest On Purchases: 23.9%, 26.9% or 29.9% p.a. based on the Bank’s assessment of your credit profile
Interest On Cash Advance: 28.0%
Interest Free Repayment Period: 22 Days
Interest on Instalment Plans: 0%
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