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    We found 1 Standard Chartered Rewards+ Credit Card for Dining & Overseas Spends
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    Credit Card BYTES FROM OUR KITCHEN

    Standard Chartered Rewards+ Credit Card for Dining & Overseas Spends

    Credit Card Application

    This card from Standard Chartered offers rewards points for overseas and local dining, as well as overseas travel and shopping transactions. The key highlights of the card are:

    Card Highlights
    • Access to exclusive dining and entertainment privileges in Singapore.
    • Up to 5x rewards points per Singapore dollar spent locally on dining. No minimum spend requirement.
    • Up to 10x rewards points per Singapore dollar spent overseas on dining, retail shopping, and travel transactions. No minimum spend requirement.

    Best to: Individuals who travel overseas frequently and use their card for shopping, eating out, and travel expenses.

    Key Features

    Features Description
    Annual fee S$192.60 (two-year fee waiver)
    Rewards points on dining Overseas dining: Up to 10 points per S$1 spent Local dining: Up to 5 points per S$1 spent
    Rewards points on travel Up to 10 points per S$1 spent overseas
    Rewards points on retail shopping Up to 10 points per S$1 spent overseas
    Rewards points on all other retail spends 1 point per S$1 spent
    Complimentary travel insurance Not available

    Joining Perk

    Up to S$120 cashback when you apply for the card by 30 June 2018.

    • Includes cashback of S$100 for new credit card applications. This means if you are an existing Standard Chartered cardholder or if you cancelled any Standard Chartered card in the last 12 months, you will not be eligible for this S$100 cashback.
    • Includes S$20 mobile wallet cashback, which you will earn when you make at least five eligible transactions through any of these wallets linked to your card: Samsung Pay, Google Pay, or Apple Pay. The transactions must be made by 31 July 2018.

    Chance to redeem your rewards points for a 30’’ American Tourister Luggage Bag

    Register your card for the Rewards+ Upsized Gift Promotion through an SMS by 15 June 2018. Only the first 800 cardholders who register for this promotion will be eligible. To qualify for this promotion, you will have to:

    • Give your consent to the bank to deduct 5,000 points from your account for the American Tourister bag.
    • Be among the first 500 cardholders to accumulate at least 5,000 rewards points, as of 15 June 2018.
    • Maintain at least 5,000 rewards points in your account at the point of the deduction of these points from your account.
    • If you qualify, you will receive a letter from the bank that can be used to exchange for the bag. You must redeem it by 31 August 2018.

    Additional Benefits

    • Buy one Platinum Movie Suites Ticket and get another free at Cathay Cineplexes. Only the initial 1,500 users can redeem this offer. You can use this offer a maximum of 5 times a day, up to 31 March 2019.
    • Enjoy a discount of up to 50% on a la carte dining at The Fullerton and The Fullerton Bay hotels in Singapore. Enjoy this discount for up to 8 persons per bill, until 31 March 2019. If there are more than 8 persons, the discount will come down to 15%. Find more terms and conditions here: https://www.sc.com/sg/terms-and-conditions/standard-chartered-rewards-credit-card-merchant-promotion-rewards-merchant-promotion-terms- and-conditions/.
    • Get access to exclusive deals and privileges for dining, shopping, travel, entertainment and lifestyle at more than 3,000 merchants across Asia.
    • Enjoy the convenience of contactless payments with Samsung Pay, Google Pay, and Apple Pay.
    • CardSafe Guarantee provides protection from unauthorised charges when you shop online.

    Earn Rewards

    • Under the Standard Chartered 360° Rewards programme, you will earn 1 point for every S$1 spent, locally or overseas. With this card, you can earn additional points as follows:
      • Earn an additional 9 rewards points per S$1 spent overseas on qualifying dining, shopping, and travel transactions, made in a foreign currency.
      • Earn an additional 4 rewards points for every S$1 spent locally on qualifying dining transactions.
    • There is no minimum spend requirement to earn the additional rewards points.
    • The maximum additional rewards points you can earn in a year are 20,000 rewards points. After this cap is reached, you will earn 1 point per dollar for all transactions.

    Let Us Illustrate:

    Take a look at the table below to understand how this card helps you earn rewards on your local and overseas transactions:

    Spend Category Yearly spend 360° rewards points earned Additional rewards points earned
    Dining at overseas restaurants S$1,200 1,200 10,800
    Dining in Singapore S$2,000 2,000 8,000
    Shopping overseas S$2,000 2,000 1,200 (Even as this transaction qualifies for additional 9x rewards, you will earn only 1,200 rewards points because the limit of 20,000 points has been reached)
    Local grocery shopping S$2,000 2,000 NA (no additional rewards points for local transactions other than dining)
    Overseas shopping S$1,500 1,500 NIL (Since you have already earned the maximum additional rewards points, you will be eligible only for 1x rewards points)
    Total 8,700 20,000

    Redeem Rewards

    • The rewards points earned under the 360° Rewards Points programme can be redeemed for shopping vouchers, cash rewards, or air miles. You can also redeem these points to offset full or partial annual fee of your card.
    • Processing of your redemption request will take about 5-7 business days.
    • If you choose to redeem your points for cash rewards, the amount will be credited directly to your card account within seven working days.
    • If you choose to redeem your points for shopping vouchers, the vouchers issued will be in the name of the principal cardholder.
    • If you wish to redeem your points for air miles, you get the option to choose from two mileage transfer programmes: Asia Miles Programme and Singapore Airlines KrisFlyer Programme.
      • While Singapore Airlines KrisFlyer Programme doesn’t require any annual enrolment fee, the Asia Miles Programme will require an annual enrolment fee of S$20.
      • For every 5 points, you will get 2 air miles, regardless of the mileage transfer programme you choose.
      • Every mile transfer must be in blocks of 2,500 points. Also, for each conversion, you will be charged a fee of S$25.

    Interest Rate

    Type of Interest Charge
    Retail purchases 25.9% p.a.
    Cash advance 0.077% per day
    Instalment Payment Plan (IPP) 0%

    Fees & Charges

    Type of charge Charge
    Overseas Transaction Fee Standard Chartered’s administrative fee: 2.5% of the transaction amount Visa/Mastercard fee: 1%
    Over-limit fee S$40
    Late Payment Fee S$80
    Supplementary card fee Free
    Cash Advance Fee 6% of the amount withdrawn or S$15, whichever is higher

    Activate the Card for Overseas Use

    You will have to get your card activated before you can use it overseas. This is applicable for overseas merchants who only take the magnetic stripe and not the EMV chip technology. You can get it activated either through the bank’s website or by sending an SMS. Once you return to Singapore, you can get it deactivated again.

    Instalment Payment Plans

    EasyPay

    • Convert your purchases into interest-free instalments of 6 or 12 months.
    • The transaction must be worth at least S$500 to be eligible for this plan.
    • A one-time processing fee of 5% will be applicable.
    • Apply for EasyPay through online banking or through 24-hour phone banking service.

    0% Interest Instalment Plan

    • Convert your purchases into interest-free instalments of up to 36 months.
    • This plan applies to purchases made only at participating merchants.
    • You will continue to earn your 360° Rewards Points for all the transactions made under this plan.
    • To apply for the plan, you will have to just inform the merchant while making the purchase.

    Cash Withdrawal Limits

    The cash advance you are allowed to take on this card depends on your available credit limit. However, there will be a charge for every cash advance transaction. To learn more about your cash advance limits, you can get in touch with the bank.

    Eligibility Criteria For This Card

    To check your eligibility for this card, click here.

    Lost/Stolen Card Liability

    In case your card is lost/stolen, you must notify the bank immediately. You can report the incident by calling the bank’s 24-hour hotline.

    Once you have reported the incident to the bank, your liability for any unauthorised transactions will be limited to S$100. However, you will have to prove that you took all possible steps to ensure the safety of the card. Otherwise you will be asked to bear the entire responsibility of the expenses made on the card.

    It is difficult to track promotions and deals offered by your credit card. Find out about the latest credit card offers, their terms and conditions, and expiry dates (If any) on our dedicated page and enjoy the benefits. Bookmark the pages for easy reference!
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