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 (75)
  • Questions (20)
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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

4.0

SCB Unlimited Cashback Card

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

    SCB Unlimited Cashback 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 (75)

4.3

75 Reviews

  • 5
    39
  • 4
    24
  • 3
    8
  • 2
    1
  • 1
    3

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minimum spend

cashback card

credit card

fuss free

cash card

spend cashback

cashback minimum

card minimum

min spend

standard charter

Most HelpfulMost RecentLow to HighHigh to Low
  • Updated 4w ago

    Purchased

    SCB Unlimited Cashback Card

    Been using this for past year but it's hard to understand the charges and resolving disputes with customer service is a pain in the A, so I don't bother. I'm looking to cancel this since I'm moving over to Citi Cashback Plus card, which is similar to SC Unlimited but with a slightly higher cashback of 1.6% no cap, no min spend and hopefully a better customer service.
    0 comments
    0
  • Updated on 13 Apr 2020

    Purchased

    SCB Unlimited Cashback Card

    Couldn't be easier to get set up and quick to get started, unrestricted cashback, spend on whatever you like. strongly recommend it
    0 comments
    1
  • Updated on 26 Mar 2020

    Purchased

    SCB Unlimited Cashback Card

    One of the best cards and easy to sign up! Recommended to friends...the unlimited cashback is just insanely good and awesome!
    0 comments
    0
  • Updated on 27 Jan 2020

    Purchased

    SCB Unlimited Cashback Card

    [Summary of cashback] Easiest cashback card to understand among all the cashback cards. No restriction on minimum spending, no restriction on what categories that can be spent on only or is applicable for the cashback [Cashback amount] 1.5% cashback on all purchases made with this SC card, no minimum or maximum expenditure amount. [Cashback Mechanism] 1.5% cashback no hoops to jump through [Bill payment] Very easy can be paid at many channels, including your usual AXS and ibanking methods [My recommendation] A "plain jane" card you will love to go out with if you don't want to think much on your spending. However if you like a more "sophisticated or sexy" cashback card, I would recommend UOB one card etc
    0 comments
    3
  • Updated on 20 Jan 2020

    Purchased

    SCB Unlimited Cashback Card

    [Cashback Card] [Bill Payment] [Others] Been using Standard Chartered Unlimited Cashback Card since early 2019 to collate all my bill payments so that I could easily keep track of my bills such as insurances (AIA, Prudential, Aviva), Utilities (Geneco) and Telco (SingTel). For some reason can't use it to pay for SP bills which is a bummer. For the cashback, been averaging getting $7 - $8 cashback for a monthly bill payment of $800+. Probably some of the bills are not eligible. Interface is awe-full compared to other banks (Citibank & DBS), the bank really need to work on it.
    0 comments
    0
Questions (20)
Recent ActivityUnansweredTrending

MileLion

Miles

Cashback

DBS Altitude Visa Signature Card

AMEX Singapore Airlines KrisFlyer Credit Card

Standard Chartered Unlimited Cashback Credit Card

OCBC 90 Degrees N Credit Card

Which card should I use to maximize rewards for Thomson Medical Centre bill?
Lok Yang Teng
Lok Yang Teng
Top Contributor

Top Contributor (Apr)

Level 9. God of Wisdom
Answered 3d ago
You can use OCBC 90N to earn miles for transactions in private hospitals since they are excluded in June's admenment of the card's terms and conditions. For OCBC Titanium, the terms and conditions for the card explicity states what are considered eligible spending catergories for the 10x OCBC$ Reward. All other retail spend will earn 1 OCBC$ which is equivalent to roughly 0.4 mile. If that's the case, 90N would be a better choice since it gives 1.2miles per $1 (local) spend, which is 3x more. https://seedly.sg/questions/what-is-the-mcc-code-for-thomson-medical-centre-is-it-good-to-pay-with-ocbc-90n-any-advice
šŸ‘ 1

Credit Cards

Standard Chartered Unlimited Cashback Credit Card

Citibank

Cashback

Payments

SCB Unlimited Cashback vs Citibank Cashback+, any opinions on these 2 cards?
Amanda
Amanda
Level 5. Genius
Answered 2w ago
Hi! I think you can consider SCB Spree card if you are looking at a card with no minimum spend. It provides 2% cashback for online, mobile and contactless transactions which I think is pretty great! Although it's capped at $60/ month
šŸ‘ 1

Credit Cards

Standard Chartered Unlimited Cashback Credit Card

Promo Codes

Promo link for standard charted credit card? Heard I can get $128 cashback upon activation?
Carrie Rose
Carrie Rose, Senior Research Analyst at ValueChampion
Level 4. Prodigy
Answered on 08 Apr 2020
You can actually get a better promo if you apply through ValueChampion. If you're thinking of applying for SC Unlimited, SC SingPost Spree, or SC Rewards+ you'll get either: - Free AirPods Pro (worth S$379) - 1st 100 applicants per day - S$200 cash via PayNow These deals are for new cardmembers, existing SC customers get S$30 cash via PayNow. Here's a link: https://www.valuechampion.sg/best-standard-chartered-credit-cards Good luck!
šŸ‘ 0

Savings

Promo Codes

Standard Chartered Unlimited Cashback Credit Card

Credit Cards

Anyone has referral codes for the Standard Chartered Unlimited Cashback Credit Card?
F
Financialblur
Level 3. Wonderkid
Answered on 20 Dec 2019
Https://www.sc.com/sg/promotions/mgm/?subChanCode=IB10&referId=6591185897&instance=MGM-SCM
šŸ‘ 1

MileLion

Cashback

Standard Chartered Unlimited Cashback Credit Card

SG Budget Babe

Promo Codes

Credit Cards

How to get $128 free with SC Unlimited cashback credit card?
Damian Yeo
Damian Yeo
Level 4. Prodigy
Updated on 05 Apr 2020
Hi you can use my referral link below! Apply now via my unique referral URL and get rewarded together. https://www.sc.com/sg/promotions/mgm/?subChanCode=IB10&referId=6566025882&instance=MGM-SCM
šŸ‘ 2

Standard Chartered Unlimited Cashback Credit Card

Cashback

SG Budget Babe

Credit Cards

Is it worth applying for the Stan Chart Unlimited Cashback Credit Card?
JJ
J J
Level 3. Wonderkid
Answered on 15 Feb 2020
You can terminate the card if they not give you waiver after 2 years
šŸ‘ 1

Standard Chartered Unlimited Cashback Credit Card

Credit Cards

For Credit Card sign up rewards, should I go for cash or freebies?
It depends on what you want. If you want a pair of airpods, then go for it since it is of slightly higher value. Otherwise, take cash. Here is everything about me and what I do best.
šŸ‘ 0

Standard Chartered Spree Credit Card

Standard Chartered Unlimited Cashback Credit Card

Transport

Credit Cards

Between the SC unlimited and spree credit cards, what are the pros and cons that people may easily miss?
HC Tang
HC Tang, Financial Enthusiast, Budgeting at The Society
Level 9. God of Wisdom
Answered on 04 Feb 2020
Hi Comparing both T&C at: (A) Spree (visa) : https://www.sc.com/sg/terms-and-conditions/spree-credit-card-terms-and-conditions/ vs (B) Unlimited (master) : https://www.sc.com/sg/terms-and-conditions/unlimited-cashback-credit-card-terms-and-conditions/ Both T&C and exclusion clause were quite similar: Pros: 1. It seems like for local online transaction with merchant code assign by visa, Spree indeed is 2% and to use from local transport (public transport) via SimplyGo (not via the exlusion clause such as ezlink / transitlink), which is better than unlimited 1% (without cashback caps). Cons: 1. However, for 2% at Spree , there's a monthly cashback caps at $60, If you're using it for other local or foreign curency online purchase, it will eat into the monthly $60 cashback caps. 2. If you're using it for foreign currency online transaction, even though the cashback is 3%, don't forget that visa / master card does charges dcc fee and other kind of fee and the forex spread is not as affordable as compare to buying / spending using MCA card such as Youtrip / Revolute, which is about the same as money changer which gives you the best rate. (if you have yet to have youtrip / revolut card, feel free to pm me for referal links/code which provides some free cash). To confirm, it is best to call their CSO and check with them the exact question so that you have no suprises. Hope this helps. If you like my answer or think that my answer is useful or my answer has help you, please do upvote / like my answer / reply. Thank you :)
šŸ‘ 1

YouTrip

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

Cashback

Multi Currency Cards

Can I top up my Youtrip card with my Standard Chartered unlimited cashback and get the 1.5% cashback?
According to the terms and conditions, any top-up to prepaid cards are excluded. Here is everything about me and what I do best.
šŸ‘ 0

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered

SG Budget Babe

Credit Cards

Should I continue to hold my Standard Chartered Unlimited Credit Card, or should I drop it?
Wallace Chai
Wallace Chai
Level 9. God of Wisdom
Answered on 09 Dec 2019
You can close the account and still be able to use the credit card. Put your money in DBS and keep using standard chartered card as its unlimited cap is really useful.
šŸ‘ 7
Load more questions

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:Ā Minimum annual income of S$30,000
  • For Foreigners:Ā 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:Ā $192.60
  • Annual Supplementary Card fee:Ā $96.30
  • Fee waiver:Ā 2-year annual fee waiver
  • Annual Interest Rate:Ā 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:Ā 3% of the statement balance (or S$50, whichever is greater)
  • Late Payment Charge:Ā 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:Ā 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?Ā Find out everything you need about credit cardsĀ - including whatĀ the best credit cards in SingaporeĀ 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) inĀ 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.