Standard Chartered X Card Reviews and Comparison - Seedly
Standard Chartered X Card
3.8
4 reviews
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Reviews (4)
3.8
Reviews (4)
3.8
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  • Signed up for the card due to the attractive sign up bonus (100k miles with 6k spend) since I'm paying for my wedding banquet. Pretty good to accumulate miles for honeymoon. The metal card is pretty cool too. However, the earn rate is pretty normal. Not too sure if I'll continue using it in future.
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  • I’m one of the lucky ones with the awesome sign up bonus. Basic earn rate considering its high annual fee with basic perks. Might not continue on my 2nd year unless the renewal bonus is great.
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  • Great card for the promotional sign up bonus (but not much else). 1 star for the sign up bonus. 2 stars because the physical card is pretty cool and shiny
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  • This was an amazing card especially from a promotional sign up miles POV. I'm planning for my wedding banquet and paying down the deposit and balance now. 100,000 Miles for: - Paying annual fee ($600+) ok this one is on the exorbitant side - Spending $6k in 2 months I was one of the luckier few who got the X card before they pulled the promo out. The SCB online user interface and points redemption can definitely be much better though!
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About Standard Chartered X Card
Card NameStandard Chartered Visa Infinite X Metal Credit Card
Annual FeePrincipal card : S$695.50 including GST. Supplementary card : S$107 including GST. (Annual fee is strictly non-waivable)
Finance ChargesEffective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.074% from the respective transaction dates for all transactions to the date the payment is received.
Cash AdvanceYour cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
Late Payment ChargesA late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 26.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.