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    Standard Chartered Prudential Platinum Card

    Credit Card Application

    This card offers rewards points for every dollar you spend. Here are some of it highlights:

    • No annual fee for two years.
    • Redeem your rewards points to make payments towards insurance premiums.
    • Get shopping and gift services, reservations and travel assistance through the 24x7 Concierge service from Visa Platinum.

    Best suited to: People who have Prudential insurance policies, and need a basic credit card for daily needs.

    Key Features

    Feature Description
    Annual Fee $192.60 (waived for first 2 years)
    Rewards Points on all eligible purchases 1 point per S$1
    Concierge/Butler Service Visa Platinum Concierge
    Complimentary travel insurance Not available

    Additional Benefits

    • Save on interest when you transfer money from your card to your savings account.
    • Pay at the convenience of your fingertips using your phone on any contactless sales terminal.
    • Through CardSafe Guarantee, when you shop online, you will be protected from fraudulent transactions.
    • Through the Recurring Payment Plan, link your utility bills to the card and stop worrying about multiple payment due dates.
    • Using Tap-and-Pay payment, pay easily at any contactless terminal. There is no need for any signature for purchases below S$100.
    • Enjoy dining offers and other privileges at thousands of outlets in Asia as part of The Good Life. There are various promotional offers available with this card and you can know more about it on our SCB promotions page.

    Earning Rewards

    With the SCB Prudential Platinum Credit Card, you will be eligible for the 360° Rewards Programme. Every spending that you do with the card will be rewarded, whether it is online transactions, deposits, investments or mortgage. The rewards points will be valid only for three years.

    You can earn more points if you spend at least S$250 per month on your credit card. You can find out more about the Rewards Points by calling the bank’s 24-hour Phone Banking hotline number or refer to your monthly statement.

    Let Us Illustrate:

    Here is an illustration of how you can earn points in a year and offset premium payments:

    Spend Categories Amount Spent Monthly Amount Spent Annually Points Earned Premium offset
    Groceries S$200 S$2,400 2,400
    Insurance premiums S$50 S$600 600
    Travel S$500 S$6,000 6,000
    Dining S$200 S$2,400 2,400
    Shopping S$200 S$2,400 2,400
    Other purchases S$100 S$1,200 1,200
    Total S$1,250 S$15,000 15,000 S$60

    Redeeming Earned Reward Points

    The redemption rate from points to premium payments is as follows:

    • The first 3,000 points = S$12.00
    • Each block of 300 points thereafter = S$1.20

    You have to have at least 3,000 points to start redeeming. Redemption can be done through the 360° Rewards Points page on SCB website.

    Apart from this, you can also redeem for service and product vouchers/coupons. You will receive a voucher for every block of points you redeem. Being a Standard Chartered cardholder, you have the option of choosing anything from the rewards catalogue. Some of the options are:

    • 2,500 points for S$10 voucher for Food Republic
    • 3,500 points for 1,015 Krisflyer Miles
    • 5,000 points for S$20 voucher for Metro
    • 5,600 points for S$20 voucher for The Body Shop
    • 13,200 points for S$50 voucher for Best Denki

    Interest Rates

    Type of Interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28.105% p.a. (0.077% per day)
    Instalment Payment Plan 0%

    Other Fee and Charges

    Type of Charge Charge
    Overseas Transaction Fee 1% of the converted amount in SGD imposed by Visa on the transaction and the bank’s administrative fee of 2.5%
    Late Payment Fee S$80
    Over-limit Fee S$40
    Cash Advance Fee 6% on the cash advance, subject to a minimum fee of S$15
    Supplementary Card Fee S$0

    Activating the Card for Overseas Expenses

    Yes, activating the magnetic stripe of the card is compulsory if you want to use your card outside Singapore at POS terminals that need swiping. EMV Chip terminals won’t need the stripe to be active. You can trigger the activation process for your card in the following two ways:

    • Through SCB website
    • Through SC Mobile app
    • By sending an SMS to 75722

    Instalment Payment Plans Available

    With Standard Chartered cards, you can spend without any worries with the 0% interest instalment payment plan. The tenure goes up to 36 months without any processing fee, and you will go on earning 360° Rewards Points for the purchases made. This facility is available only with partnered outlets.

    You could also opt for EasyPay, which can be used at any outlet for a minimum spend of S$500. With this, you get tenures of 6 months and 1 year, and a processing fee of 5% is applicable. The EIR goes up to 17.6% p.a. You can apply for this through internet banking and phone banking.

    Cash Withdrawal on the Credit Card

    Your available cash advance balance and your credit limit will decide the amount of money that you can withdraw. Contact SCB for more details.

    Eligibility Criteria

    You can check the eligibility parameters for this card on our SCB credit cards page.

    Lost/Stolen Cards

    In the rare incident of your card getting lost or stolen, or if the PIN is revealed to a third party, you are supposed to inform the bank immediately by calling the hotline numbers.

    If you fail to inform the bank about your card getting lost or stolen, you will be responsible to pay for all the fraudulent transactions made before the notification to the bank about its theft, loss or disclosure. If you have acted promptly and the bank is satisfied of your innocence, then you will not have to pay more than S$100 for lost/stolen cards.

    Credit cards offer you an amazing range of benefits. However, choosing the right card is important. A travel card might not work for someone who does not travel much. Find out more on cards before you zero in on one.

    Credit Card Tips

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Submit the direct debit authorisation form

    To set up the direct debit service, you can collect a direct debit authorisation form from your billing organisation or from the bank, complete it, and send it to the billing organisation/bank for approval. If you want to register for the recurring bill payment plan, download the form from the website and send it to the bank.

    To cancel a standing instruction, contact the bank or the merchant directly.

    How to Apply for the Card & Check the Application Status

    At branch/online

    To apply for this card, you can fill up an online form and submit it. The bank will get in touch on the contact number you have provided. You can also go the nearest Standard Chartered branch with your documents and apply for the card.

    How to Check Balance

    Internet or mobile banking/SMS/customer care number

    Know your current balance in any of these ways:

    • SMS banking
    • Online banking
    • Mobile banking
    • Customer support centre number

    How Can the Bill Be Paid?

    ATM/GIRO/Online banking and others

    You can use any of these methods to pay your monthly credit card bill:

    • AXS Stations
    • Interbank GIRO
    • Crossed cheque
    • Online or phone banking
    • Standard Chartered Bank ATMs
    • Cash payment at Standard Chartered branches or cash deposit machines

    How Much Is the Minimum Payment to Be Made on the Card?

    S$50 or 1% of the month’s bill, in addition to interest charges, late payment or over-limit penalties

    The minimum amount you need to pay on/before the due date is 1% of the outstanding balance (in addition to finance charges such as over-limit fee, interest charges and other penalties) or S$50, whichever is more.

    What Is the Grace Period?

    22 days

    You are entitled to an interest-free period of 22 days if you pay the previous balance in full.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay/Google Pay/Android Pay/Samsung Pay/PayNow

    To make contactless payments, you can link your card to the following mobile wallets:

    • PayNow
    • Apple Pay
    • Google Pay
    • Android Pay
    • Samsung Pay

    How to Block or Unblock the Card

    Call the SCB hotline

    To stop or restart your card’s services, you can contact the bank’s customer service hotline.

    How to Reset the PIN

    Online banking/ATM/customer support

    You can change your card’s PIN in one of these ways:

    • Use internet banking.
    • Call the SCB customer support hotline.
    • Visit any Standard Chartered ATM in Singapore.

    What Is the Billing Cycle and the Bill Due Date?

    See the monthly statement

    A billing cycle can vary from customer to customer. The start of your billing cycle depends on the date your credit card was sanctioned. If you own multiple credit cards, then the bank will consolidate all the statements into one. The bill due date, by which you must make the payment to avoid late payment charges, will be mentioned in your statement.

    How to Get a Replacement Card?

    Contact the bank through hotline

    In case of card loss/theft, you can request for a replacement by calling the customer service helpline.

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