Standard Chartered Unlimited Cashback Credit Card Reviews and Comparison - Seedly
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Standard Chartered Unlimited Cashback Credit Card

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  • Reviews (105)
  • Questions (0)
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Credit Cards/Standard Chartered Unlimited Cashback Credit Card
Credit Cards/Standard Chartered Unlimited Cashback Credit Card

USER RATINGS

Speed of Approval

4.6

Ease of Fee Waiver

4.4

Customer Service

4.1

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5% on eligible spend
CASHBACK
Unlimited
CASHBACK CAP
$0
MINIMUM SPEND

    Standard Chartered Unlimited Cashback Credit Card

    Up to 1.5% on eligible spend
    CASHBACK
    Unlimited
    CASHBACK CAP
    $0
    MINIMUM SPEND

Details

Highlights of Standard Chartered Unlimited Cashback Credit Card Review 2020

  • Stand to earn 1.50% on all eligible retail spend
  • No Minimum Spending
  • No Cashback Cap
  • Accumulated cashback amount will automatically offset the payable amount in your next billing statement
  • SCB Rewards Programme where you can get 20% off selected Caltex fuel, and 30% off Senoko energy bills (limited time).
  • Ideal for high spenders as there is no cap to the cashback amount enjoyable.
  • Straightforward card with limited perks to other specialised areas e.g. online shopping
Read More about Standard Chartered Unlimited Cashback Credit Card
Reviews (105)

4.3

105 Reviews

  • 5
    56
  • 4
    32
  • 3
    11
  • 2
    2
  • 1
    4

Read Review About...

Most HelpfulMost RecentLow to HighHigh to Low
  • Updated 3d ago

    Purchased

    Standard Chartered Unlimited Cashback Credit Card

    Great card which I have been using for some time. Good interest rate and no minimum spending. Lots of rewards.
    0 comments
    0
  • Updated 3w ago

    Purchased

    Standard Chartered Unlimited Cashback Credit Card

    Good card for all spending without worrying whether the spending will be counted by the bank. Recommended for general users.
    0 comments
    0
  • Updated on 08 Jul 2020

    Purchased

    Standard Chartered Unlimited Cashback Credit Card

    It's a good card to have as a back up to all other cards, until other banks come up with 1.6% cash back. Honestly I had a very good experience, and just cancelled it as i don't use the card anymore.
    0 comments
    0
  • Updated on 08 Jul 2020

    Purchased

    Standard Chartered Unlimited Cashback Credit Card

    [Cashback Card] The Card should be one of the card in your wallet. it has 1.5% rewards for every transaction. as I know the new card holder, at least can get $100++ worth item.
    0 comments
    0
  • Updated on 08 Jul 2020

    Purchased

    Standard Chartered Unlimited Cashback Credit Card

    Good card and gives cash rebates rather than miles. Albeit lower on the cashback %. Good thing there's no cap. [Promotions and Perks]
    0 comments
    0
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Standard Chartered Unlimited Cashback Credit Card

Find out how a Cashback credit card works, and the difference between Cashbacks and cash rebates.

Standard Chartered Unlimited Cashback Credit Card Review 2020

Standard Chartered Unlimited Cashback is a simple and straightforward credit card, ideal for the general consumer but especially for big spenders who transact over a wide genre of products.

Consumers who prefer to spend only in specialised areas like dining, or online shopping might not reap the best rewards.

Standard Chartered Unlimited Cashback Credit Card simply breaks all limits as it offers 1.50% cashback on all types of spending, with no minimum spending requirement and no cashback cap. Yes, you heard that right, No Cashback Cap on top of Zero Minimum Spend.

The accumulated Cashback amount will then be automatically offset in your next billing statement. With Standard Chartered Credit Card comes their Good Life rewards programme - where you stand to save up to 20% off selected Caltex fuel, and 30% off Senoko energy bills.

Key Features and Benefits of Standard Chartered Unlimited Cashback Credit Card

These are some features of the Standard Chartered Unlimited Cashback Credit Card and the Cashback benefits it has to offer.

Standard Chartered Unlimited Cashback Credit Card Benefits

What You'll Get

Cashback

1.5% Cashback on all your spending with no minimum spending and no Cashback cap

Gift

Up to S$180 Cashback sign up gift when you apply via MyInfo

Annual Fees

S$0 for the first two years

Instant Digital Credit Card

Apply for Instant Digital Credit Card online using Myinfo

0% Interest Instalment Plan

Interest-free monthly instalments plan

Lifestyle

Enjoy offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits

Fund Transfer

0% interest at one-time processing fee.
1% cashback on approved Funds Transfer Amount

EasyPay

Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee

Mobile Payment

Sync your credit card with Apply Pay, Google Pay, Samsung Pay

Standard Chartered Unlimited Cashback Credit Card - Benefits

Is Standard Chartered Unlimited Cashback the Best Credit Card of 2020?

Pros

Standard Chartered Unlimited Cashback is a simple and straightforward credit card, ideal for the general consumer but especially for big spenders who transact over a wide genre of products.

Cons

Consumers who prefer to spend only in specialised areas like dining, or online shopping might not reap the best rewards.

Eligibility for Standard Chartered Unlimited Cashback Credit Card

To be eligible for the Standard Chartered Unlimited Cashback Credit Card, you'll have to meet the following criteria:

  • 21 to 65 years old
  • For Singaporeans and PRs: Minimum annual income of S$30,000
  • For Foreigners: Minimum annual income of S$60,000

Promotions for Standard Chartered Unlimited Cashback Credit Card

  • New Standard Chartered Unlimited Cashback Credit Card member sign-ups enjoy $80 cashback (New CC Cashback)
  • Promotion is valid till 30 June 2020
  • Enjoy S$180 cashback sign-up gift when new applicants apply through MyInfo

Fees and Charges for Standard Chartered Unlimited Cashback Credit Card

  • Annual Principle Fee: $192.60
  • Annual Supplementary Card fee: $96.30
  • Fee waiver: 2-year annual fee waiver
  • Annual Interest Rate: Prevailing interest rate of 26.9% p.a. (subject to compounding if the charges are not repaid in full) on the amount withdrawn, chargeable of 0.074% on a daily basis from the date of withdrawal until receipt of full payment.
  • Minimum Monthly Payment: 3% of the statement balance (or S$50, whichever is greater)
  • Late Payment Charge: A fee of S$80 applies if the minimum payment is not received by the due date, the Effective Interest Rate (EIR) will be raised to 28% per annum if the minimum payment due is not received by the due date. Once the payment is made full, your account will revert back to the original 26.9$ EIR
  • Cash Advance Fee: 6% per transaction. A minimum fee of S$15 with finance charges of 0.077% per day till the date of full payment

Terms and Conditions of Standard Chartered Unlimited Cashback Credit Card

  • For transactions to be eligible for cashback, they cannot be cash advance, balance or funds transfers bill payments, etc, all of which are stated in the Unlimited Cashback FAQ here.
  • To be eligible for the Credit Card Sign-Up Promotion, you must apply for one of the eligible cards and to be a new member of Standard Chartered. Lastly, activate the physical card within 30 days of card approval
  • If are an existing Standard Chartered Cashback member, you are able to receive up to S$20 Cashback (Existing CC Cashback)
  • For the Cashback amount, it is subjected to current and existing Cashback Cap
  • Cards that are eligible for Cash Back Standard Chartered: Unlimited Cashback Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card, Prudential Visa Signature Credit Card, and Priority Banking Visa Infinite Credit Card
  • EZ-Link facility is discontinued for Standard Chartered Unlimited Cashback Credit Cards since 8 December 2019
  • You are able to retrieve your free credit report within 30 calendar days upon the approval of the credit card

Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

You can also ask questions (anonymously, if you'd prefer) in Seedly Community.

How to Apply for SCB Unlimited Cashback Credit Card

About Standard Chartered

Standard Chartered Bank in Singapore has a history of 150 years in Singapore. They aim to drive commerce and prosperity through unique diversity. There is a network of 16 branches, 6 Priority Banking centres and 27 ATMs in Singapore. Standard Chartered Bank is one of the first international banks to receive a Qualifying Full Bank (QFB) license which is a recognition of the group's long-standing commitment to their consumers in Singapore.