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    SCB Spree Card for Cashback: Yet to Get Reviews
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    SCB Spree Card for Cashback: Yet to Get Reviews

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    It’s an online shopping card that allows you to earn up to 3% cashback, with no minimum spending requirement.

    • 3% cashback on online foreign currency and vPost transactions, 2% cashback on local currency online transactions, and 1% cashback on all other retail purchases.
    • No minimum spending requirement.
    • Total cashback capped at S$60 in a month.
    • Annual fee waiver for the first two years.

    Best suited for: Individuals who shop online, in local as well as foreign currencies, and are looking for a cashback card.

    Key Features

    Feature Description
    Annual fee S$192.60 (first two years’ fee waived)
    Cashback on foreign currency online purchases and vPost transactions 3%
    Cashback on online transactions in Singapore dollars 2%
    Cashback on all other retail purchases 1%
    Complimentary travel insurance Not available

    Additional benefits

    • Transfer money from your card to a bank account at 0% rate of interest. You will need to pay a processing fee, though.
    • Sign up for CardSafe Guarantee and ensure that you don’t have to suffer for any unauthorised online transactions made through your card.
    • Link your regular bills to the Spree Card through the Recurring Payment Plan, and enjoy hassle-free payments. You won’t have to remember several due dates once you activate this.
    • Enjoy a host of discounts and privileges at over 3,000 outlets across Asia through The Good Life programme. There are a variety of promotional offers, including sign-up promotions, which are valid for a limited period.
    • Online price guarantee will ensure you get the best prices when you shop online. Imagine you buy a shirt worth S$250 from an online store. After about two weeks, you find out that the same shirt is available for S$150. With online price guarantee, you will get a refund of 50% of the difference in the prices. So, in this example, you will get S$50 back. You must make the claim within 30 days to enjoy this benefit.

    Earning Rewards

    • Earn 3% cashback on foreign currency purchases online as well as on vPost transactions.
    • Earn 2% cashback on online purchases in Singapore dollars, as well as mobile amd contactless transactions.
    • Earn 1% cashback on all other retail purchases.
    • You can’t earn more than S$60 in cashback in a month. There is no minimum spending requirement.
    • The cashback you earn in any month will reflect in that same month’s statement. However, it will actually be credited to your card account in the following month and will offset that month’s billed amount.

    Let Us Illustrate:

    Take a look at the table below to understand how you can earn cashback using this card:

    Transaction type Monthly spend Cashback rate Cashback amount
    Online shopping in foreign currency S$1,500 3% S$45
    vPost S$100 3% S$3
    Online shopping in Singapore Dollars S$500 2% S$10
    Shopping at a local grocery store S$500 1% S$5
    Total S$2,600   S$63
    Total cashback earned S$60 (the maximum you can earn)

    Interest rates

    Type of interest Charge
    Retail purchases 25.9% p.a.
    Cash advance 0.077% per day
    Instalment payment plan 0%

    Other fee and charges

    Type of charge Charge
    Overseas transaction fee 3.5% of the transaction amount
    Late payment fee S$80
    Over-limit fee S$40
    Cash advance fee 6% of the amount withdrawn or S$15, whichever amount is higher

    Activating the card for overseas expenses

    If you want to use your card overseas, you will have to get the magnetic stripe activated. This stripe is deactivated to ensure the protection of your card from unauthorised transactions. Without activating the magnetic stripe, you can use your card only at merchants using EMV terminals. But since some countries still don’t accept EMV chip, it’s best to get the magnetic stripe activated before you head overseas.

    The following ways can be used to activate the stripe for use in foreign countries:

    • Use the activation webpage on the bank’s website.
    • Send an SMS to 75722.

    Instalment payment plans available

    0% Interest Instalment Plan: Under this plan, you can convert your large credit card purchases into interest-free, monthly instalments. You get the flexibility to choose a tenure of up to 36 months. Also, when you sign up for this plan, you will continue to earn your cashback on all eligible purchases. All you have to do is ask for this plan at the participating merchant before you pay for your purchase.

    EasyPay: This plan allows you to convert all your retail purchases (worth at least S$500) into interest-free instalments of 6 or 12 months. You will, however, have to pay a one-time processing fee of 5% of the transaction amount. You can apply for EasyPay through online banking or by calling the 24/7 phone banking service.

    Cash Withdrawal on the Credit Card

    You can take cash advance with your card depending on your available credit limit. The interest on cash advance transactions is applicable starting from the date when you withdraw the amount until you repay in full.

    Eligibility Criteria

    Before you apply for this card, check the eligibility parameters you will need to meet on our page.

    Lost/Stolen cards

    If you lose your card, or it gets stolen, or your PIN is compromised in some way, you must notify the bank immediately. You can call the bank at 24/7 hotline to report the incident. If there are any unauthorised charge made to your card before you report the incident to the bank, your liability for those transactions will be limited to S$100. However, you will have to prove that loss/theft was not a result of your negligence, or that you were not party to the fraud.

    Your search for a useful resource about credit cards ends with BankBazaar Singapore. Our website has everything you need to know about cards – whether it is comparison of different types of cards, promotional offers, fees and charges, features and benefits, reviews, or fun content about cards.

    Credit Card Tips

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    By submitting direct debit authorisation form

    You can use either the recurring payment plan or the automatic direct debit arrangement to get auto debit facility for paying your card bills or recurring bills.

    • Fill and submit the direct debit authorisation form to the merchant to get approval. You can obtain this form either from the billing organisation or the bank.
    • For the recurring payment plan, download the relevant form available online, fill it, and submit it to the bank for approval.
    • You can disable standing instructions for your card by contacting the billing organisation or the bank.

    How to Apply for the Card & Check the Application Status

    On our site

    Find out whether you’re eligible for this card and apply for it directly on BankBazaar.

    How to Check Balance

    Online/SMS/mobile

    You can check your credit card balance in one of the following ways:

    • Online Banking
    • Mobile Banking
    • SMS Banking

    How Can the Bill Be Paid?

    Internet banking/phone banking/GIRO/cash/cheque and others

    You can pay your credit card bills in one of the following ways:

    • AXS Stations
    • Online banking
    • Phone banking
    • Interbank GIRO
    • Cash deposit machines
    • Cash at branch teller counters
    • Through crossed cheques deposited at Express Cheque Deposit boxes

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

    1% of the dues or S$50

    • The minimum payable amount is S$50.
    • You have to pay at least 1% of the principal sum with interest.
    • Any fees, charges, overlimit sum, or previous outstanding amount will be added on top of the 1%.

    What Is the Grace Period?

    22 days

    If you make full payments every month, and there’s no outstanding amount from previous billing cycles, you can enjoy an interest-free period of 22 days from the date on which the statement was issued.

    Which Mobile Wallets Can This Card Be Used With?

    Google Pay/Samsung Pay/Apple Pay/PayNow

    The following mobile wallets can be linked to your SCB credit card:

    • Google Pay
    • Samsung Pay
    • Apple Pay
    • PayNow

    Can It Be Used With EZ-Link?

    Yes

    You can use this credit card for EZ-Link payments and top-ups.

    How to Block or Unblock the Card

    Call the bank’s customer care number

    You can block or reactivate your credit card by calling the Standard Chartered 24x7 hotline.

    How to Reset the PIN

    Call the bank’s customer care number

    • You can change your PIN through internet banking.
    • In case of a lost or stolen card you can call the bank’s customer service hotline requesting an immediate termination of the PIN. In this case, the bank will issue you a new PIN.

    What Is the Billing Cycle and the Bill Due Date?

    • The billing cycle is usually counted between two successive monthly statements.
    • It is determined based on the number of working days for the particular month taken under consideration. The cycle usually depends on the number of business days in the given month.
    • You will generally find the billing cycle and the bill due date in your credit card statement.

    How to Get a Replacement Card

    Call the bank’s customer care number

    You can get in touch with the bank through the 24/7 Customer Care hotline number and place the request for a new card.

    Standard Chartered Spree Credit Card Reviews

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