Standard Chartered Spree Credit Card Reviews and Comparison - Seedly
 
Standard Chartered Spree Credit Card
4.2
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  • Posted on 18 Sep 2019
    I use Spree card for my online purchases especially for overseas transactions, it gives 2% cash back!
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  • Posted on 01 Jul 2019
    Sign up for this card if: 1) you generally spend very little per month 2) make most of your purchase online or contactless Generally, please with this card due to the above, despite the lower cash back % when compared with other credit cards
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  • Updated on 30 May 2018
    I have started using this card for its cashback for online spending. Generally satisfied with this card and will continue using for online purchases :)
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  • Updated on 28 May 2018
    I signed up for this because it has no minimum spend. The application was quick and easy as compared to DBS. However, I reduced the usage of this card as I feel 1-2% cashback is a bit Low. There are more competitive cards outside if you can hit like at least 300 a month
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  • Updated on 27 May 2018
    I use this card once I've hit the $500 min spending for my UOB One card. + no min spending for the cashback - ez link top ups not eligible for cashbacks Quite a straightforward card. I like it because there's no need to hit any minimum spending. Granted, the cashback amount is not considered high, it's better than not earning anything since I'm unlikely to hit a 1k min spend per month (for the next tier on UOB One Card), and other cards typically require a min spending of $500 or $600 to qualify for cashback (though their cashback % are usually higher). Yup.. so for me (based on my spending pattern), it's quite a good way to get back that extra few bucks every month. :)
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  • Updated on 26 May 2018
    This card is a cashback card. Essentially, its value proposition is similar to the SCB unlimited cashback card, in that it gives you cashback on all types of cc spending without any minimum spend required. The difference here is that it is slightly more specialized:- - it gives 2% cashback on all SGD online spend and all mobile payments (Samsung Pay / Apple Pay / etc) and all contactless payments (Visa Paywave / Mastercard PayPass / etc). This is a very broad category which should cover most of your normal spending. - it gives 3% cashback on all foreign currency online spend - for any other retail spend that doesn't fall into the above categories, you get 1% cashback. For most people, I believe the bulk of your spending will be on online shopping / eating in restaurants or cafes / shop at stores which most likely have a POS contactless terminal. For all these spending, you will likely be able to get the 2% cashback, which is mathematically better than the SCB Unlimied that only gives 1.5% cashback. The only drawback I see are certain transactions which won't qualify for the 2%, such as: - insurance premiums - monthly deductions (e.g. utilities / telco / etc.) - shops which use magnetic swiping instead of contactless terminals For such examples like those above, you should then use the SCB Unlimited card. Hence, I see this card as being complementary to the Unlimited Card. It's my go-to default cashback card for almost all my usual retail spend when I go out dining / shopping with friends.
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Standard Chartered

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Standard Chartered Spree Credit Card

Leslie Koh
Leslie Koh
Top Contributor

Top Contributor (Oct)

Level 6. Master
Updated 4w ago
You should consider getting the UOB one card, consolidate your recurring payments and cap it to $500 to earn the first tier of cashback, while the remaining payments, you divide to whichever card gives you the best cashback or rebate depending on your type of purchase 😊

Standard Chartered Spree Credit Card

Standard Chartered Unlimited Cashback Credit Card

HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 8. Wizard
Answered on 11 Jun 2019
In terms of Utility payment, best is to look for each retailer's website offer with the banks, so that you aim for the best deal as they have partnership that offer better deals than SCB Unlimited. If the retailers of your choice has no other deal, SCB Unlimited has no exclusion, so you can use it for anything (including phone/internet bill) and get the 1.5% cashback. However, if phone / internet bill provider has any deals with the bank (eg. m1 with citibank), those would have offer better deals that charge to SCB unlimited. Cheers
About Standard Chartered Spree Credit Card
Card NameSCB Singpost/Spree Card
Cashback Rate1 - 3%
Monthly Cashback Cap$60 per month
Monthly Min SpendNone
Highlights0% Interest instalment plan

Eligibility for SCB Spree Credit Card

  • Singaporeans and PR; Minimum annual income of $30,000
  • Foreigners; Minimum annual income of $60,000

Fees and Charges for SCB Spree Credit Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: Free
  • Fee waiver: Available
  • Annual Interest Rate: 26.90%
  • Minimum monthly payment: 1% or $50, whichever is higher
  • Late payment charge: $80
  • Cash advance fee: 6%
  • Overlimit fee: $40

Key features of SCB Spree Credit Card

  • No minimum spend
  • Earn up to 3% cashback on all online spend in foreign currency and all vPost spend
  • Earn up to 2% cashback on all online spend in local currency, including contactless and mobile payments
  • Earn up to 1% cashback on all other retail spend
  • 0% interest instalment plan

 

Terms and conditions of SCB Spree Credit Card

  • Only transactions from selected merchants will be eligible for cashback
  • The following transactions are not eligible for cashback: cash advances, reoccurring payments, tax refunds, tax payment, insurance premium charges. For full list, please visit Standard Charted Bank Spree Credit Card’s page here.
  • For more credit card info, please check out this document.

For more info, you can check out SCB Spree Credit Card’s page.