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Standard Chartered Smart Credit Card

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Summary

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 Exclusive Promotion: Receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth S$365.70) or S$300 and get up to S$40 e-capitaland voucher

  • Promotion is valid for new Standard Chartered credit card applicants
  • Make minimum spend of S$250 within 30 days of card approval to be eligible for rewards
  • Receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth S$365.70) or S$300 and get up to S$40 e-capitaland voucher
  • Get additional S$20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay bills with SCB Easybill or put any purchases on instalment in SCB Savings Account or Current Account within 60 days of approval.
  • Additionally, get the S$20 e-capitaland voucher when you make a min. spending of S$1,000 in your 2nd month.
  • Promotion Period: 8 - 29 February 2024; extended until 10 March 2024
  • Terms and Conditions. Click here

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
...see more

Popular Products

Summary

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 Exclusive Promotion: Receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth S$365.70) or S$300 and get up to S$40 e-capitaland voucher

  • Promotion is valid for new Standard Chartered credit card applicants
  • Make minimum spend of S$250 within 30 days of card approval to be eligible for rewards
  • Receive a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth S$365.70) or S$300 and get up to S$40 e-capitaland voucher
  • Get additional S$20 e-capitaland voucher when you split the payment for your purchases with SCB Easy Pay, pay bills with SCB Easybill or put any purchases on instalment in SCB Savings Account or Current Account within 60 days of approval.
  • Additionally, get the S$20 e-capitaland voucher when you make a min. spending of S$1,000 in your 2nd month.
  • Promotion Period: 8 - 29 February 2024; extended until 10 March 2024
  • Terms and Conditions. Click here

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
...see more

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

📣 SIGN-UP BONUS

Score a Dyson AM07 (worth S$459) or Apple AirPods Pro 2nd Generation (worth S$365.70) or up to S$340!

Valid till 10 Mar 2024. T&Cs apply.

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Reviews (16)

3.6

16 Reviews

5
5
4
6
3
1
2
1
1
3

Service Rating

Speed of Approval

4.4

Ease of Fee Waiver

4.4

Customer Support

3.8

      Posted 24 Jul 2023

      Purchased

      Standard Chartered Smart Credit Card

      best thing about this scb smart card is that there is no annual fee so just spend within 99% of the credit limit

      0

      What are your thoughts?

      Posted 20 Jul 2023

      Purchased

      Standard Chartered Smart Credit Card

      [Cashback Card] 6% Cashback on fast food, transport and subscriptions with no minimum spend is really great! [Miles Card] Or you can choose 5.6 mpd. Plus this card has no annual fees! Just hoping that the promotion will be permanent. Great card to get if you spend on those categories.

      0

      What are your thoughts?

      Posted 03 May 2023

      Purchased

      Standard Chartered Smart Credit Card

      [Cashback Card] Excellent rewards credit card for cashback. Card approval was fast and card delivered was within a week.

      0

      What are your thoughts?

      Posted 26 Apr 2023

      Purchased

      Standard Chartered Smart Credit Card

      Got this card to use for public transport MRT and bus for the 6% cashback. It was easy to sign up. Got $250 cashback with no minimum spend with card activation.

      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/-. Good

      0

      What are your thoughts?

      Posted 29 Jul 2023

      Purchased

      Standard Chartered Smart Credit Card

      Overall, its a good card with fee waiver. However , recently, I cannot pay using that card. Not sure of the reason.

      0

      What are your thoughts?

      Posted 19 Jul 2023

      Purchased

      Standard Chartered Smart Credit Card

      Scb smart card is not bad, good for transport, eat at toast box , and also ya kun. 5 miles earn. Good both for cash back and miles, but only thing is redemption rate not that good.

      0

      What are your thoughts?

      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 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?

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