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    Standard Chartered Unlimited Cashback Credit Card
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    Standard Chartered Unlimited Cashback Credit Card

    Standard Chartered Unlimited Cashback Card Overview

    The Standard Chartered Unlimited Cashback Card offers a flat cashback rate across all purchases with no cap to how much you can earn and no minimum spend requirement. It is also a multi-faceted card that can also be used as your EZ-Link card.

    Joining benefits/perks of Standard Chartered Unlimited Cashback Card

    Apply for this credit card today and receive cashback of up to S$138 in the following ways:

    • Apply online through the bank’s website and receive cashback worth S$138.
    • Apply through any other channel and receive cashback worth S$100.

    The joining promotion is applicable to new Standard Chartered credit card members who have not cancelled a SC card in the past 12 months. This joining benefit is valid till 30 September 2017.

    Standard Chartered Unlimited Cashback Card Promotions

    • Oscar’s Conrad Centennial Singapore - Enjoy 1+1 buffet lunch on weekdays. This promotion is applicable for a maximum of 10 diners per table per card. This is an ongoing promotion that is valid for the first 600 redemptions or until 30 December 2017, whichever comes earlier.
    • The Courtyard, The Fullerton Hotel Singapore - Enjoy 1+1 on afternoon tea, every day. This promotion is only applicable on dine-ins and up to 10 diners per table per card. This is an ongoing promotion that is valid for the first 600 redemptions or until 31 December 2017, whichever comes earlier. Blackout dates are applicable.
    • Harry’s - Enjoy 1+1 on small plates. This is an ongoing promotion that is valid for the first 600 redemptions or until 31 December 2017, whichever of the two occurs earlier. This offer is applicable across all Harry’s outlets excluding Changi Airport.
    • COMNAM Vietnamese Street Eats - Enjoy 1+1 on set lunches on weekdays. This promotion is applicable at COMNAM Vietnamese Street Eats and at NamNam Noodle Bar. This is an ongoing promotion that is valid for the first 600 redemptions or until 31 December 2017, whichever of the two occurs earlier.
    • Spinelli Coffee Company - Enjoy discounts of up to S$2 on regular sized Cappuccino, Americano, Latte or Flat White.  The discount is valid on a maximum of 2 cups per purchase until 31 December 2017.

    Features of the Standard Chartered Unlimited Cashback Card

    • This credit card is enabled with the EZ-Link facility and therefore can be used as a credit card as well as an EZ-Link card.
    • Apply for this credit card and enjoy annual fee waiver for 2 years.
    • Apply for the Recurring Payment Plan which will consolidate all your monthly payments through your SC credit card.

    Rewards on the Standard Chartered Unlimited Cashback Card

    • What you get - Up to 3% cashback on your spends with no minimum purchase requirement and no cap on how much cashback you can earn.
    • How to redeem - Receive 3% cashback on credit card spends in foreign currency and 1.5% cashback on all other spends.
    • Charges and details - 3% cashback on foreign currency spends is valid until 31 October 2017 after which you will continue to earn 1.5% cashback on all spends.

    Benefits of the Standard Chartered Unlimited Cashback Card

    Enjoy exclusive offers and privileges on the SC Unlimited Cashback Card with “The Good Life”. This includes additional cashback, complimentary goodies, discounts, vouchers and more across categories including dining, retail, online, automotive and more. You can benefit from “The Good Life” privileges at more than 3,000 partners throughout Asia.

    Instalment Payment Plans on the Standard Chartered Unlimited Cashback Card

    • 0% Interest Instalment Plan - Sign up for the 0% Interest Instalment Plan at no additional cost and convert your finances into this instalment payment plan with tenures extending up to 36 months with no interest charges. Under this plan, you will still earn cashback on all transactions converted to this plan.
    • EasyPay - You can convert transactions of S$500 and more into interest-free instalments of 6 months or 12 months with EasyPay. Transactions include vacation expenses, paying your taxes or insurance premiums, etc. You will be charged a one-time service fee of 5% of the converted amount.

    Fees and charges on the Standard Chartered Unlimited Cashback Card

    Type of fee Amount payable
    Annual fee S$192.60 (2-year annual fee waiver)
    Interest rate 25.9% p.a.
    Late payment charges S$80
    Cash advance fee 6% of the transacted amount with a minimum charge of S$15
    Interest on cash advance 0.077% per day on the transacted amount until the full payment is made
    Overlimit fee S$40

    Transactions in foreign currencies

    • Transactions in US Dollar (USD) will be converted to Singapore Dollar (SGD). Transactions made in any other foreign currency will be converted to US Dollar and then to Singapore Dollar.
    • 1% charge will be levied by MasterCard on the converted Singapore Dollar amount.
    • 2.5% charge will be levied by Standard Chartered Bank on the converted Singapore Dollar amount.
    • If DCC (Dynamic Currency Conversion) is used to convert your foreign currency transactions into SGD, MasterCard will impose a prevailing charge of 1% on the transacted amount.
    • For transactions made in SGD but processed overseas, MasterCard will impose a prevailing charge of 1% on the transacted amount.

    Cash withdrawals (domestic and overseas)

    Every cash withdrawal made on your Standard Chartered Unlimited Cashback Card will be subject to a cash advance fee of 6% of the withdrawn amount with a minimum charge of S$15. Additionally, a finance charge of 0.077% will be imposed on the withdrawn amount every day from your transaction date until you repay the cash advance amount in full.

    How to apply for the Standard Chartered Unlimited Cashback Card

    If you wish to apply for the Standard Chartered Unlimited Cashback Card through online and offline channels. To apply for this credit card online, visit the Standard Chartered website and navigate to the Standard Chartered Unlimited Cashback Card webpage. On this page, click on the option, “Apply Now” and complete the steps to successfully submit your application online.

    Alternatively, you can step into your closest SC bank branch and apply for this credit card in person.

    Eligibility criteria for the Standard Chartered Unlimited Cashback Card

    • Nationality - You can apply for this credit card if you are a Singapore Citizen, Permanent Resident or a foreigner.
    • Age criteria:
      • Minimum age: 21 years
      • Maximum age: 65 years
    • Income criteria:
      • Minimum income requirement for Singapore Citizens and Permanent Residents - S$30,000 p.a.
      • Minimum income requirement for foreigners - S$60,000 p.a.
    • Additional criterion for foreigners - Foreigners eligible for this credit card include P1, P2 and Q type Employment Pass holders.

    Documents required for Standard Chartered Unlimited Cashback Card

    • Salaried employees must submit:
      • Front and back photocopy of NRIC and
      • Most recent computerised payslip or
      • CPF Contribution History for the past 6 months or
      • Most recent Income Tax Notice of Assessment and most recent computerised payslip or CPF Contribution History for the past 6 months.
    • Self-employed must submit:
      • Front and back photocopy of NRIC and
      • Most recent Income Tax Notice of Assessment. Please note that your business must be operational for at least 2 years to be eligible to apply for this credit card as a self-employed applicant.
    • Commission-based earners must submit:
      • Front and back photocopy of NRIC and
      • Last 3 months’ payslips or
      • Most recent Income Tax Notice of Assessment and last 3 months’ payslips or
      • CPF Contribution History for the past 6 months or
      • Most recent Income Tax Notice of Assessment (applicable only to 100% commission-based earners).
    • Foreigners must additionally submit:
      • Front and back photocopy of Passport and
      • Front and back photocopy of Employment Pass. For Q Pass holders, a minimum remaining validity period of 1 year is required to be eligible to apply for this credit card.

    Interest on the Standard Chartered Unlimited Cashback Card

    The Effective Interest Rate or the EIR on this SC credit card is 25.9% p.a. This interest rate is applicable if you don’t make complete outstanding payments on your credit card statements by your payment due dates. Finance charges will be computed every day at the rate of 0.071% from the transaction date for all transactions until the date you make the payment in full for all transactions.

    Free grace days or interest-free credit periods will be offered if you make full outstanding payments on your credit card bills instead of minimum or partial payments.

    Repayments on the Standard Chartered Unlimited Cashback Card

    The minimum monthly repayment for this SC credit card is the higher value of the following:

    • 1% of your principal due + interest, other fees and charges, any overlimit amount/past due amount or
    • S$50

    You can make credit card repayments through any of the following channels:

    • AXS
    • At any Standard Chartered Bank branch
    • Cheques
    • Interbank GIRO
    • Online Banking
    • Phone Banking

    Lost/stolen card liability

    You are liable for any and all unauthorised/fraudulent transactions on your Standard Chartered Unlimited Cashback Card before notifying the loss, theft or disclosure of your card PIN to the bank. However, your maximum liability for the same will be limited to S$100 if you satisfy the following conditions:

    • You notify the bank in writing immediately after the loss, theft or disclosure.
    • You assist the bank in recovering the unauthorised transactions made on your card.
    • You provide the bank with a police report or a statutory declaration in the bank’s format.
    • The bank is convinced that the loss, theft or disclosure of your card PIN has not been on account of your negligence.

    Card protection Schemes

    Transactions on your Standard Chartered credit card are protected using “CardSafe Guarantee”. This scheme comes with the following features:

    • SMS Alerts - You will receive an SMS for every transaction made on your card. Additionally, you can pre-set a threshold amount after which every time a transaction exceeds this amount, you will be notified regarding the same via SMS. You will need to sign-up to receive alerts.
    • OTP - This feature is applicable on 3-D secure online transactions wherein you will receive a One Time Password (OTP) to authenticate and complete an online transaction. The OTP will be sent to your registered mobile number.
    • Round-the-Clock Protection - The fraud detection system of the bank is operational 24/7 and in case any suspicious activity is detected on your card, the bank will immediately call you to verify the same.

    Reporting lost/stolen credit cards

    In case your Standard Chartered Unlimited Cashback Card has been lost, stolen or the PIN has been disclosed to an unknown party, you should call the bank immediately and notify a representative regarding the same. Toll free local standard chartered credit card hotline number is available for local calls and overseas hotline number is available for calls outside Singapore. 

    News About Standard Chartered Unlimited Cashback Credit Card

    • Standard Chartered Unlimited Cashback Credit Card Promotion

      Runtime – This is an ongoing promotion that started on July 1, 2017 and is valid until September 30, 2017.

      Particulars – Earn up to S$138 cashback when you apply for the Standard Chartered Unlimited Cashback Credit Card through the following channels:

        • Apply for this credit card online and receive cashback of S$138.

        • Apply for this credit card through any other channels and receive cashback of S$100.

      Terms and Conditions

        • This promotion is applicable only to new Standard Chartered primary credit card applicants.

        • Upon approval of your credit card, you must activate it within 60 days to qualify for this promotion.

        • For more terms and conditions or for further information on this promotion, please feel free to contact Standard Chartered Bank.

      18th July 2017

       
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