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.

4 May - 1 Jun Promotion:

To qualify for the rewards, customers need to:

• Apply for the cards and meet the minimum spend as required for each card
• Apply for one of the following SCB products via SingSaver link as well except EasyPay:

1. Apply for Standard Chartered EasyPay via SCB app for at least 3 retail transactions on your credit card for a minimum amount of S$150 each with at least 12 months tenure (within 60 days of card approval date).
2. Apply and open a Standard Chartered Bonus$aver Account with a minimum deposit of S$3,000 (within 60 days of card approval date). Quick apply here.
3. Submit an application and get approved for Standard Chartered CashOne Personal Loan with a minimum loan approved amount of S$1,000 and a minimum tenure of 12 months (within 60 days of card approval date). Quick apply here.
4. Apply and get approved for Standard Chartered Credit Card Funds Transfer (CCFT) with a minimum loan amount of S$1,000 for a minimum tenure of 3 months (within 60 days of card approval date). Quick apply here.

To clarify, if customers apply for both an SCB Credit Card and SCB CashOne via SingSaver, they will only receive the reward for the product they apply for first.

For example, if a customer applies for the Credit Card before CashOne, they will receive the Credit Card reward. The CashOne application will then be considered as an ETC case.

SCB Simply Cash (4 May - 1 Jun)

Promo Mechanic: Activate and spending a min. of S$800 within 30 days of card approval; apply one of the 4 SCB products listed above.

• NTC (New to card) only, ETCs (Existing to card) no offer
• NOT Stackable with BAU

Base Rewards:

• S$350 Cash
• S$370 Grab Voucher
• Samsung Galaxy Buds4 Pro + 100 eCap bundle (worth S$449)

Top-up Rewards:

• Dyson Airstrait (worth S$799) - S$100 topup
• Dyson V8 Cyclone cordless vacuum (worth S$559) - S$100 topup
• MacBook Neo 256GB Magic Keyboard (worth S$849) - S$450 topup
• Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$899) - S$500 topup
• Apple Watch Ultra 3 (worth S$1199) - S$840 topup

SCB Journey (4 May - 1 Jun)

Promo Mechanic: Activate and spending a min. of S$800 within 60 days of card approval; apply one of the 4 SCB products listed above.

• NTC (New to card) only, ETCs (Existing to card) no offer
• Stackable with SCB offer

Base Rewards:

• S$180 cash
• 12,000 Max Miles (worth a round trip to Kuala Lumpur with the travel value at S$210+)
• Samsung Galaxy Buds4 Pro (worth S$349)
• Samsonite Straren Spinner 67/24 (worth S$600)

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