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    Standard Chartered PruPrestige Visa Signature Card for Rewards: Yet to Get Reviews

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    The SCB PruPrestige Visa Signature Card is an invitation-only credit card launched in collaboration with Prudential Insurance. It is aimed at helping you save on insurance premiums. This card also offers an array of Visa Signature rewards. The primary features of this card include:

    • Earn 1.5 Rewards Points for every S$1 spent.
    • Don’t pay annual fee for the first two years.
    • Offset premium payments through rewards points.

    Best suited to: Those who have Prudential Insurance policies.

    Key Features

    Feature Description
    Annual Fee S$192.60 (waived for the first two years)
    Rewards points on all eligible purchases 1.5 Rewards points for every S$1 spent
    Complimentary travel insurance Not available

    Additional Benefits

    • Make use of the mobile payments facility by linking the card with Apple Pay, Android pay, or Samsung Pay.
    • The complimentary CardSafe Guarantee protects you against unauthorised transactions, in case of online purchases.
    • Transfer S$1,000 and above from your credit card at a 0% rate of interest and a one-time processing fee, through the fund transfer facility.
    • Enjoy benefits of the Good Life programme, which gives you several offers and discounts across categories such as shopping, dining, travel, and lifestyle. These promotions are available at more than 3,000 outlets across Asia. Check them out here.

    Earning Rewards

    The SCB PruPrestige Visa Signature Card provides you with 1.5 Rewards Points for every S$1 charged to the card under the 360° Rewards Programme. The points earned will be rounded to the nearest whole number.

    Let Us Illustrate:

    The following table illustrates the Rewards Points and miles you could earn across similar other categories in a particular month based on an assumed spending rate of a person:

    Spend categories for Rewards Points Monthly spend Points earned Equivalent miles
    Asia Miles KrisFlyer Miles
    Dining S$500 750 Rewards Points 300 Asia Miles 300 KrisFlyer Miles
    Shopping S$1,000 1,500 Rewards Points 600 Asia Miles 600 KrisFlyer Miles
    Insurance premiums S$500 750 Rewards Points 300 Asia Miles 300 KrisFlyer Miles
    Travel packages S$1,000 1,500 Rewards Points 600 Asia Miles 600 KrisFlyer Miles
    Other retail spends S$2,000 3,000 Rewards Points 1,200 Asia Miles 1,200 KrisFlyer Miles
    Total S$5,000 Points earned: 7,500 Rewards Points Miles earned: 3,000 Asia Miles Miles earned: 3,000 KrisFlyer Miles

    Redeeming Earned Reward Points?

    You can redeem the Rewards Points earned for premium payments, product/service vouchers, and frequent flyer miles.

    Vouchers are like discount coupons for specific brands or products, and the frequent flyer programmes available are Asia Miles and KrisFlyer Miles (Singapore Airlines). The conversion rate from points to air miles is 5 Rewards Points = 2 miles. The transfer must be made in blocks of at least 2,500 Rewards Points. Besides, a transfer charge of S$25 shall be applicable.

    How Does the Concierge/Butler Service Work?

    This card offers the Visa Signature Concierge Service, available 24/7. They not only help you with making travel arrangements, but you can also use their services for shopping, reservations, and selecting or delivering gifts.

    Interest Rates

    Type of Interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0% rate of interest

    Other Fee and Charges

    Type of charge charge
    Overseas Transaction Fee
    • 1% charge levied on the converted amount for Visa transactions
    • An additional 2.5% fee charged on the converted sum
    Late Payment Fee S$80
    Over-limit Fee S$40
    Cash Advance Fee 6% of the cash advance amount, subject to a minimum fee of S$15

    Activating the Card for Overseas Expenses

    You must make your credit card’s magnetic stripe ready for transactions before using it overseas. This can be done in the following ways:

    • Through an SMS sent to 75722;
    • Through Standard Chartered’s mobile app (SC Mobile);
    • Through a dedicated activation page on SCB’s website.

    Instalment Payment Plans Available

    • 0% Interest Instalment Plan (IPP): This plan allows you divide your transactions into instalments at no interest. You can choose repayment periods of up to 3 years. You will not lose out on earning Rewards Points on purchases added to this facility. Moreover, you can sign-up for this plan at no additional cost. The IPP is applicable across several participating merchants in the country.
    • EasyPay: This facility allows you to divide your expensive purchases, travel expenses, or insurance premiums into fixed monthly instalments. You can choose a tenure of either 6 months or a year, and there is no interest charged for these tenures. However, the transaction value shouldn’t be less than S$500, and you must pay a one-time service charge of 5%. You can apply for this plan through Online Banking or Phone Banking.

    The following table illustrates the service fee and effective rates of interest charged against different tenures:

    Tenure One-time service charge Effective rate of interest
    6 months 5% 17.6% p.a.
    12 months 5% 9.5% p.a.

    Cash Withdrawal on the Credit Card

    The credit limit made available to you will determine your cash withdrawal limit. It will also be based on discretion from the bank. If you want more information about this, you should directly get in touch with the bank.

    Eligibility Criteria

    Do you know what parameters you need to meet before applying for this card? If not, then visit this page and find out.

    Lost/Stolen Cards

    If the credit card is lost or stolen, or you notice an unauthorised use, you need to report the incident to the bank immediately. If you inform the bank immediately if such an instance occurs, and help the bank recover the lost card or unauthorised charges, then you’re not liable to pay more than S$100 as per the guidelines of ABS. You will also have to submit a police report, along with any other information, as deemed necessary. Moreover, you shouldn’t be responsible in any manner for the loss, theft, or unauthorised usage of the card.

    If you find the lost or stolen card later, you must cut it into two pieces and return it to the bank. To report the loss or theft, you can get in touch with the bank by calling its customer care number.

    Do you think it’s safe to store your credit card details on a website? Do you think it saves time and is convenient? Well, that may not be the case. Take a look at our blogs to see why we think it’s a bad idea.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    To set up the direct debit service with your credit card, use the ACH/GIRO form. Download it from the bank’s site or from the billing organisation, and send it to the relevant organisation for approval. To cancel a standing instruction, get in touch with the bank.

    How to Apply for the Card & Check the Application Status

    By invitation only

    This is an invitation-only card. The bank has to offer this card to you.

    How to Check Balance?

    Internet, mobile or SMS banking/hotline

    Check the payable amount on your credit card in the following ways:

    • SMS Banking
    • Mobile Banking
    • Internet Banking
    • Priority Banking hotline number

    How Can the Bill Be Paid?

    Cheque/cash/GIRO/AXS and others

    Pay your credit card bill every month in one of the below-mentioned ways:

    • Cheque
    • SCB ATMs
    • AXS Stations
    • Cash Payment
    • Funds Transfer
    • Phone Banking
    • Online Banking
    • Interbank GIRO
    • Cash Deposit Machines
    • Teller counter at SCB branches

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

    1% of the main spend amount + interest charges and other fees, or S$50

    At least 1% of the principal amount, as well as interest charges, fees, past due amounts and any over-limit amount has to be paid every month on all Standard Chartered cards. This is subject to a minimum of S$50.

    What Is the Grace Period?

    22 days

    A grace period of 22 days will be applicable on the card’s current bill. However, you can take advantage of this only if you have paid your previous dues fully. It will not be applicable for partial payment.

    Which Mobile Wallets Can This Card Be Used With?

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

    The following mobile wallets can be used with this card:

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

    How to Block or Unblock the Card

    Call the bank’s 24-hour helpline number

    You can block or unblock the SCB PruPrestige Visa Signature Card by calling the 24/7 customer service helpline number.

    How to Reset the PIN

    Hotline/online banking/ATM

    Reset your Standard Chartered credit card PIN by going to any Standard Chartered ATM and follow the instructions on the screen. Alternatively you can call the hotline number or sign in to your online banking profile.

    What Is the Billing Cycle and the Bill Due Date?

    Find them in your card bill

    The billing cycle is fixed based on the number of working days in a particular month. Your card statement will reflect your transactions made over the month, and will also have the due date.

    How to Get a Replacement Card

    Call the bank’s customer hotline

    You will get your card replaced if it is lost, stolen or if the PIN is disclosed to a third party, by informing the bank instantly and calling the hotline number.

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