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    We found 1 Standard Chartered Singpost Platinum Credit Card

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    Standard Chartered Singpost Platinum Credit Card

    Credit Card BYTES FROM OUR KITCHEN

    Promotions

    • Cardholders can earn a cashback ofS$138 when they apply for this card online. The offer is valid for new cardholders until 31st December 2016.
    • Cardholders can avail health screening packages starting from just S$350 from AsiaMedic Wellness Assessment Centre. Prior booking is required to avail this offer. It is valid till 30th April 2017.
    • Cardholders can avail 9 Amazonia entrance passes for just S$238. The offer is valid till 31st December 2016.

    Standard Chartered Singpost Platinum Credit Card

    This credit card from Standard Chartered allows holders to maximise the value of their purchases by offering attractive cashback of up to 7% on select expenses. The card is also designed for online shopping through tightened security measures that ensure cardholders can carry out safe and secure transactions when shopping online.

    Benefits

    The card offers great cashback on purchases made with it. When eligible online purchases are made, the card earns a cashback of 7%.

    Cardholders can also enjoy a cashback of2% when shopping at select supermarkets.

    All other retail expenses earn a cashback of 0.2%.

    The card comes with an online price guarantee by AXA Insurance Singapore. Cardholders who have purchased a particular item online and find the same item on a different website at a cheaper price within a span of 30 days can claim a refund of up to 50% of the price difference.

    Cardholders who are new customers at Post can avail a 30% discount on shipments,

    Cardholders can enjoy a discount of 10% on premium gifts and stamps from the MyStamp collection offered by Singapore Post.

    Instalment Plans

    The cardholder can take advantage of the 0% interest instalment plans that convert retail purchases into more manageable instalments that charge no interest. The tenures available under this plan goes up to 36 months. Cardholders can convert their purchases into 0% instalment plans at select merchant outlets by asking for it before charging the transaction to the card.

    Insurance

    • Singpost Platinum Visa cardholders can avail the Got-It-Covered travel insurance policy underwritten by Chubb Insurance Singapore Limited that offers protection on unlimited trips made in a calendar year.
    • The policy comes with instant approval and is automatically renewed every year unless specified otherwise by the cardholder.
    • The premium for this policy comes at an affordable S$128 for individual policyholders and charges a premium of S$282 for policy that covers immediate family members.
    • The cover provided for overseas medical expenses is S$50,000.
    • The cover for accidental death and total and permanent disablement arising out of an accident while travelling is S$50,000 each.
    • The policy also covers accidental dental expenses and emergency overseas medical evacuations and offers a cover of S$50,000 each.
    • The cover for repatriation is S$50,000.
    • The policy also provides cover for travel inconveniences such as lost or delayed baggage, cancelled flights or delayed flights. A cover for S$3000 is provided for loss of personal baggage and S$5000 for travel cancellation.
    • Cardholders can also avail the CreditSafe policy which is an optional policy that offers protection and cover for lost credit cards for up to S$200,000.
    • The CreditSafe policy provides a cover of S$100 per policy year for lost cash, S$200 per year for reimbursement of lost wallets/handbags and S$700 per policy year as reimbursement for replacing lost documents such as identity cards or passports.

    Fee and charges

    Type of fee Amount payable
    Annual fee The fees for the first 2 years is waived. Subsequent annual fees of the card is S$192.60.
    Supplementary card fee Cardholders can avail up to 5 free for life supplementary cards.
    Interest rate The interest rate charged on transactions is 25.9% per annum calculated on a daily basis if full payment is not made within specified due date.
    Late payment charges Late payment attracts a penalty of S$60.
    Cash advance fee The fee for cash advances is the greater of 6% of the cash withdrawn or S$15.

    Transactions in foreign currencies

    Transactions made in other foreign currencies are converted into Singaporean Dollars at an applicable exchange rate which comes with a fee. US Dollar transactions are converted into Singaporean Dollars and any other currency transaction is first converted into US Dollars and then into Singaporean Dollars. The fee charged is 2.5% of the converted Singaporean Dollar amount plus an additional fee of 1% of the converted Singaporean Dollar amount as imposed by Visa or MasterCard.

    All foreign transactions carried out using Dynamic Dollar conversion have a charge of 0.8% imposed on the converted Singaporean Dollar amount as charged by Visa/MasterCard.

    Transactions made in Singaporean Dollars but carried out overseas has a charge of 0.8% imposed on it through Visa or MasterCard.

    How to apply for Standard Chartered Singpost Platinum Credit Card

    Candidates can apply for this card either by visiting their nearest Standard Chartered branch, availing an application form and submitting the completed form with the required supporting documents or apply for the card by logging onto the Standard Chartered website, downloading the application form and submitting the completed forms with the supporting documents online.

    Eligibility Criteria

    • Minimum age of cardholder must be 21 years as at last birthday
    • Maximum age of cardholder cannot exceed 65 years as at last birthday.
    • Annual income requirements for Singaporean Nationals or Permanent Residents is S$30,000 and for Foreign Nationals is S$60,000.
    • Employment pass should be held by Foreign Nationals which are either P1, P2 or Q type. If it is a Q type pass then there should be 1 year of validity remaining on it.

    Documents Required

    Applicants need to submit the following documents during time of application

    • Salaried applicants
      • Front and back copy of applicant’s NRIC
      • Latest CPF statement (at least 6 months) or
      • Latest payslips (at least 3 months).
    • Foreign Applicants
      • Copy of the passport
      • Copy of the employment pass (P1, P2, or Q). If it is a Q type pass, then it should have a minimum of 1 year validity remaining on it.
    • Self-employed Applicants
      • Notice of income tax assessment that dates back a minimum of 2 years.
    • Commission based salary earning applicants.
      • Copies of latest payslips (at least 3 months) and latest notice of income tax assessment or
      • Copy of applicant’s latest CPF contribution statement (at least 6 months) along with 3 months’ of payslips.

    Interest on Standard Chartered Tigerair Platinum Credit Card

    The interest rate charged on transactions made on the card is 25.9% per annum. Interest rates are levied on all outstanding dues if they are not paid in full on specified due date. The interest is charged on a daily basis until the dues have been fully repaid. Standard Chartered has the discretion to change interest rates and cardholders must check prevailing rates of interest with Standard Chartered.

    Repayments

    The minimum monthly payment to be made on this card is the higher of S$50 or 1% of the current balance including any interest or fees charged. In cases of cardholders exceeding the credit limit, the excess amount should be paid alongside the minimum monthly payment.

    Reporting lost/stolen credit cards

    Cardholders should report lost or stolen cards immediately. Standard Chartered will limit the liability of the cardholder to S$100 if it is convinced that the cardholder notified them as soon as they discovered that the card was lost or stolen and that it did not happen due to sheer negligence of the cardholder.

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