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    Standard Chartered Credit Cards 2018

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    Standard Chartered Bank offers a host of credit card options for varied income earners with benefits including cashback and reward points. The bank also runs promotions, discounts, sign-up perks and add-on benefits yearlong on credit cards. Singapore citizens, Permanent Residents and foreigners alike, can apply for SC credit cards. Standard Chartered Bank was opened in 1859 in Singapore. Now, it is one of the popular banks offering a wide range of financial products and banking services. Standard Chartered Bank sponsors Standard Chartered Marathon Singapore every year since 2002.

    Here is a list of credit cards offered by Standard Chartered:

    • Standard Chartered Unlimited Cashback Card
    • Standard Chartered Spree Card
    • Standard Chartered MANHATTAN World Mastercard
    • Standard Chartered Platinum Visa/Mastercard
    • Standard Chartered NUS Alumni Platinum Card
    • Standard Chartered MANHATTAN $500 Card
    • Standard Chartered Visa Infinite Card
    • Standard Chartered Prudential Platinum Card
    • Standard Chartered PruPrestige Visa Signature Card
    • Standard Chartered Business Platinum Card
    • Standard Chartered Priority Visa Infinite Card

    Please note: the SC Tigerair Platinum Card has been discontinued from 31 December 2017, following the integration of Tigerair with Scoot.

    Features & Benefits

    • Mobile payments: Make payments with PayNow, Apple pay, Samsung Pay and Google Pay.
    • Card security: Your online shopping transactions are protected with the CardSafe Guarantee.
    • Recurring Payment Plan: Consolidate your bills into one card for payment with the help of Recurring Payment Plan and continue earning rewards.
    • EasyPay: Convert retail purchases of over S$500 into interest-free instalments for tenures of 6 or 12 months. A one-time processing fee is applicable.
    • Funds Transfer: Transfer funds from your Standard Chartered credit card account at a 0% interest rate for 6-month and 12-month tenures. The minimum transfer amount is S$1,000. A one-time processing fee will apply.

    Most Popular Standard Chartered Credit Cards

    Card name Annual fee (p.a.) Rate of interest (%) (p.a.) Best suited for Rewards Programme
    Standard Chartered Visa Infinite Card S$588.50 25.9
    • Travel
    • Miles
    Standard Chartered 360° Rewards Programme, Frequent Flyer Programme, Visa Infinite Programme Read More  
    Standard Chartered Unlimited Cashback Credit Card S$192.60 25.9
    • All retail spends
    • Dining
    Cashback Read More
    Standard Chartered Platinum Visa/Mastercard Credit Card S$192.60 25.9
    • Uber rides
    • Petrol
    Standard Chartered 360° Rewards Programme Read More
    Standard Chartered Spree Credit Card S$192.60 25.9
    • Online local and overseas shopping
    • Retail spends
    • Uber rides
    • Petrol
    Cashback Read More
    Standard Chartered Prudential Platinum Card S$192.60 25.9
    • Premium payments
    • Retail spends
    • Travel
    Standard Chartered 360° Rewards Programme Read More
    Standard Chartered PruPrestige Visa Signature Card S$192.60 25.9
    • Premium payments
    • Retail spends
    • Travel
    Standard Chartered 360° Rewards Programme Read More
    Standard Chartered NUS Alumni Platinum Card S$192.60 25.9
    • Retail spends
    • Travel
    • Dining
    • Golf
    Standard Chartered 360° Rewards Programme Read More
    Standard Chartered Business Platinum Card S$160.50 25.9
    • Retail spends
    • Travel
    • Uber rides
     Standard Chartered 360° Rewards Programme Read More
    Standard Chartered Priority Visa Infinite Credit Card S$321 25.9
    • Travel
    • Miles
    • Hotel stays
    • Dining
    • Golf
    • Spa privileges
    Standard Chartered 360° Rewards Programme, Frequent Flyer Programme, Visa Infinite Programme Read More
    Standard Chartered MANHATTAN World Mastercard S$192.60 25.9
    • Shopping
    • Dining
    • Entertainment
    • Local and overseas spends
    • Uber rides
    • Petrol
    Cashback Read More
    Standard Chartered MANHATTAN $500 Card S$32.10 25.9 Students Cashback Read More

    Standard Chartered Unlimited Cashback Credit Card: Best Cashback Credit Card

    • 1.5% cashback on all your retail purchases.
    • 3% cashback on foreign currency spend until 30 June 2018.
    • There is no cashback cap.
    • There is no minimum spend requirement.
    • This card comes with the EZ-link facility and be used as an EZ-link card.

    Standard Chartered Priority Visa Infinite Credit Card: Best Dining Credit Card

    • 20% discount for dining at Banyan Tree Hotels and Resorts.
    • 20% to 25% discount during your birthday month at all restaurants and bars at The Fullerton Hotel Singapore or Fullerton Bay Hotel Singapore.
    • 10% discount on food bills (excluding beverages) at Summer Pavilion at The Ritz-Carlton Millenia Singapore.
    • 15% discount on food bills (excluding beverages) at Colony & Chihuly Lounge at The Ritz-Carlton Millenia Singapore.

    Standard Chartered Visa Infinite Card: Best Air Miles Credit Card

    • Up to 3 miles per S$1 spent on minimum spend of S$2,000 per month on eligible transactions.
    • Complimentary travel insurance up to S$1 million.
    • Spend a minimum of S$75,000 in 2018 and enjoy a complimentary luxurious Voyage yacht hire for 4 hours.

    Standard Chartered Spree Credit Card: Best Shopping Credit Card

    • 3% cashback on online purchases in foreign currency and spends on vPost.
    • 2% cashback on local online purchases, mobile and contactless payments.
    • 1% cashback on all other retail spends.
    • If you find a lower price for the same product, you will get 50% refund of the difference within 30 days with Online Price Guarantee.

    StanChart Cards Rewards Programmes

    SCB has a special rewards programme known as the 360° Rewards Programme. This is a way of rewarding you for the total relationship you maintain with the bank.

    You will be rewarded for investments, mortgage, credit card spends, online transactions, and deposits with the bank.

    All Standard Chartered credit cards (except cashback credit cards) are eligible for the 360° Rewards Programme. Under this programme, earn bonus points in the following ways:

    Platinum Visa/Mastercard Credit Card Rewards:

    • 1 point per S$1 spent.
    • Total relationship rewards are not applicable.

    Sign up for Personal Banking Suite and you will earn rewards in the following ways:

    • 1x point for a spend less than S$1,000 per month.
    • 2x points for a minimum spend of S$1,000 and above per month.
    • Once you apply for Personal Banking Suite, you can expect the reward points from the second month.
    • You can earn 50 reward points every month as total relationship rewards if you spend a minimum of S$250 in a calendar month. 50 points can be earned per product under the following categories:
      • Online transactions
      • Fixed deposits
      • Current accounts
      • Mortgage payments
      • 100 points can be earned on investments
    • Redeem your reward points under 360° Rewards Programme for gifts, shopping/dining vouchers, cash rewards, etc. You have to pay a conversion fee of S$25 per redemption.

    Note: Rewards points under this programme are valid for 3 years.

    Bill Payment

    There are several ways to pay your Standard Chartered credit card bill:

    • Online Banking: Make online payments through this 24-hour service.
    • Phone Banking: Call the 24-hour phone banking service and provide your phone banking PIN.
    • Bank branch: Visit any of the nearest Standard Chartered branches and complete your bill payment at teller counters, express cheque deposit box, cash deposit machines, etc.
    • Cheque: Write the account number and the amount to be paid to the respective account behind the cheque. Send the cheque to SCB at least 2 working days before the due date of your card bill.

    Standard Chartered Credit Card Hotline

    There are several credit card hotline numbers available on the bank’s website for the following banking services:

    • Priority banking
    • Business Banking
    • Commercial Banking
    • Report stolen or lost credit card

    Standard Chartered Credit Card Statement

    • Receive monthly e-statements of your credit card bills.
    • E-statements will be sent to your registered email address for free.
    • You can access the statements from any part of the world.
    • You can check the latest transactions in e-statement by viewing the transactional history.
    • In case of any errors in your statement, write to the bank detailing the same within 14 days of the statement generation.

    Card Activation and Cancellation

    You must activate the credit card before using it locally or overseas.

    Card activation for local and overseas use through the following channels:

    • Through the mobile banking app.
    • Online by visiting the card activation page.
    • Visit your nearest branch for card activation in person.
    • Through SMS by sending a message to the bank with your name (as it appears on the card) and the last 4 digits of your card.

    Card cancellation:

    If you want to cancel/terminate your credit card for any reason, you can do it by notifying the bank in writing. Further, you must send the card which must be cut into half to the bank’s customer service unit.

    Cash Advance Facility

    You can withdraw up to the available credit limit from your Standard Chartered credit card if you are in need of emergency cash. The bank will charge up to 6% of the withdrawn amount as cash advance fee (or S$15, which is higher). There is an interest of  0.077% per day from the date of withdrawal.

    SCB Cards Eligibility Requirements

    In order get a credit card from SCB, you must fulfil the following criteria:

    Card Name Minimum Income for Citizens and PRs Minimum Income for Foreigners Minimum Age Read More
    SC Visa Infinite Card
    • S$30,000 for priority/private banking customers
    • S$150,000 for other customers
    • S$60,000 for priority/private banking customers
    • S$150,000 for other customers
    21 years Foreigners must have Singapore Employment Passes of P1, P2 or Q type.
    • SC Unlimited Cashback Card
    • SC Platinum Visa/Mastercard
    • SC Spree Card
    • SC Prudential Platinum Card
    • SC PruPrestige Visa Signature Card
    • SC NUS Alumni Platinum Card
    • SC Business Platinum Card
    • SC Priority Visa Infinite Credit Card
    • SC MANHATTAN World Mastercard
    S$30,000 S$60,000 21 years Foreigners must have Singapore Employment Passes of P1, P2 or Q type.
    SC MANHATTAN $500 Card S$18,000 18 years Documents such as NRIC, student identification card must be provided to the bank.

    Documents Required

    You must furnish the following documents:

    • Salaried employees:
      • Front and back copy of NRIC and
      • Latest computerised payslip. For Spree Credit Card, submit the last 3 months’ computerised payslips or
      • CPF statements for latest 6 months.
      • Income Tax Notice of Assessment (latest) and computerised salary slip for latest month/CPF contribution statements for latest 6 months.
    • Self-employed:
      • NRIC and
      • Income Tax Notice of Assessment (latest 2 years).
    • For commission-based earners:
      • NRIC and
      • Computerised salary slip for latest 3 months and most recent Income Tax Notice of Assessment or
      • CPF statements for latest 6 months or
      • Computerised payslips for latest 3 months.
      • 100% commission-based earners must submit the most recent Income Tax Notice of Assessment.
    • Additional requirements for foreigners:
      • Front and back copy of passport and employment pass (P1, P2 or Q-type passes).
      • Q type passes must have a minimum validity period of 1 year.
    • Documents to be submitted for MANHATTAN $500 Card:
      • NRIC/Passport copy
      • Student ID Card copy (with parent/guardian signature if below 21 years old)
      • Parent’s/guardian’s NRIC copy

    Instalment Payment Plans

    Choose from the following plans to convert large purchases into convenient monthly instalments:

    • EasyPay: Choose from 6- or 12-month instalment plans for purchases of minimum S$500. A 5% one-time service fee will be applicable.
    • 0% Interest Instalment Plan: Choose a tenure of up to 36 months with 0% interest and no extra charges. You will continue earning cashback or 360° Rewards Points.

    Annual Fee

    Card name Annual fee Annual fee waiver
    SC Visa Infinite Card S$588.50 No waiver
    SC Unlimited Cashback Card S$192.60 First 2 years
    SC Platinum Visa/Mastercard S$192.60 First 3 years
    SC Spree Card S$192.60 First 2 years
    SC Prudential Platinum Card S$192.60 First 2 years
    SC PruPrestige Visa Signature Card S$192.60 First 2 years
    SC NUS Alumni Platinum Card S$192.60 First 2 years
    SC Business Platinum Card S$160.50 First 3 years
    SC Priority Visa Infinite Card S$321.00 No waiver  
    SC MANHATTAN World Mastercard S$192.60 First year
    SC MANHATTAN $500 Card S$32.10 First year

    Loans on Standard Chartered Credit Card

    CashOne - Apply and receive cash within 1 business day

    • Borrow up to 4 times your monthly salary.
    • Cash disbursal by the next working day (subject to T&C).
    • Interest rate starting from 6.88% p.a. (EIR from 12.75% p.a.).
    • 5-year fee waiver on the Platinum Visa Credit Card annual fee.

    Complimentary Privileges

    • The Good Life privileges: This is applicable on all SC credit cards and offers promotional, limited-time offers on travel, dining, shopping, and your other lifestyle needs.
    • Complimentary travel insurance up to S$1 million with the Standard Chartered Visa Infinite Card. Also get complimentary travel medical insurance up to S$50,000 for you and your spouse.
    • Standard Chartered cards also offer you scores of Visa and Mastercard privileges in travel, such as perks at selected hotels and resorts globally, free access to airport lounges, dining discounts, and health and wellness exclusives.

    Security Features

    Protect your card from unauthorised transactions by taking up certain security alerts suggested by the bank. The security features include:

    • CardSafe Guarantee: This is a credit card protection plan under which you will be insured against any online misuse/fraudulent use of your card.
    • OTP for 3D secure online transactions: If you make any transaction with a 3D secure merchant, a one-time password will be sent to your registered mobile number to complete the transaction.
    • Round-the-clock protection: Standard Chartered Bank’s fraud detection system watches your card activity round-the-clock. If there is any discrepancy, the bank will immediately call you for confirmation.
    • SMS alerts: Receive an SMS to your registered mobile number whenever you make a transaction. Also set a pre-defined threshold for spends on your credit card and receive alerts whenever a transaction exceeds this limit.

    Standard Chartered Increase Credit Limit

    In order to increase your card limit, you must download, complete, and send the Credit Card Credit Limit Review Form to the bank. Also, attach your latest income proof documents along with the form. The documents include:

    • For salaried employees: Income Tax Notice of Assessment (latest) and computerised payslip (latest).  
    • For commissioned employees: Last 3 months computerised payslip and Income Tax Notice of Assessment (latest).
    • For self-employed: Income Tax Notice of Assessment (latest).
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