Best Standard Chartered Credit Cards in Singapore

SingSaver team

SingSaver team

Last updated 01 January, 2024

Every spending situation is unique. SingSaver assembles the 'Best For' list, so you can decide what’s best for you.


Explore the best Standard Chartered credit cards in Singapore. Ideal for professionals and young adults seeking cashback, air miles, and rewards.

Standard Chartered credit cards are jam-packed with benefits and have featured prominently in many a wallet. Despite its somewhat niche positioning, Standard Chartered Bank possesses very attractive credit cards that appeal to the general consumer.

Here is a summary of the best Standard Chartered credit cards in Singapore.


Best Standard Chartered Credit Cards in Singapore

Credit card  Best for Key benefits 
Standard Chartered Simply Cash Unlimited Cashback Unlimited 1.5% cashback with no min spend
Standard Chartered Rewards+  Dining and travel S$1 = 1.45 miles (local) / 2.9 miles (overseas)
Standard Chartered Visa Infinite High-income earners 6X airport lounge passes a year
1-for-1 Dining privileges
Standard Chartered Journey Everyday Spend  S$1 = 1.2 miles (local) / 2 miles (overseas) / 3 miles (local online transactions)
Standard Chartered Smart Card Fast food, coffee & toasts, digital subscriptions, and transport 6% cashback / 5.6 miles per dollar / 19.2 360°Reward Credit Points per dollar on bonus categories with no minimum spend

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SingSaver's Best Deal Guarantee: Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 30 September 2024. T&Cs apply.


For unlimited cashback: Standard Chartered Simply Cash Card

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Can't get enough of unlimited cashback with no minimum spend? Then the Standard Chartered Simply Cash Card is right up your alley. 

Offering 1.5% cashback on all spends, this card provides the convenience of not having to track spending categories. Coupled with its no minimum spend feature, you won’t have to contend with cashback caps either.

Having no conditions attached might sound like a dream come true, and it might just be; the Standard Chartered Simply Cash is perfect for timing big-ticket purchases. Let’s say you’re racking up about $15,000 in home furnishings and appliances for a new home, you could be looking at $225 in cashback. 

Moreover, the Standard Chartered’s signature The Good Life® program grants access to 1-for-1 dining privileges at top dining destinations (promos on online food deliveries included too!), as well as other exclusive deals across online shopping and wellness.

If you apply for the card online using MyInfo, you’ll get an instant digital credit card to start using almost immediately. Other fringe benefits include the SC EasyBill (earn cashback, reward points or bonus interest on selected bill payments), 0% fund transfers and 0% instalment plans.

While this card is undeniably a star for everyday usability, it's probably not the best option for spenders who crave higher cashback or spend selectively in a certain category.

SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered Simply Cash Card:

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Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$529) or an Apple Watch SE (GEN 2) GPS + Cellular 44mm (worth S$503.60) or S$350 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.

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⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up as low as S$250. Valid till 31 July 2024. T&Cs apply.

  • S$250.00 for an Apple Watch Series 9 (GPS), 41mm (worth S$604.50)
  • S$799.00 for an Apple Watch Ultra 2 GPS + Cellular, 49mm (Alpine Loop/Ocean Band/Trail Loop) (worth S$1,210.10)
  • S$1,050.00 for a Macbook Air 13" 256GB M3 (worth S$1,599.00)
  • S$1,150.00 for an iPhone 15 Pro 128GB (worth S$1,664.25)

For dining and travel: Standard Chartered Rewards+

battle of the rewards cards

Continuing the 'no minimum spend' train, the Standard Chartered Rewards+ Credit Card awards cardholders with 5X rewards points (1.45 miles per dollar) on dining. Similarly, you have a whole host of dining deals to redeem at popular restaurants, under The Good Life® program – including cashback on online food delivery platforms

While you are travelling, you can earn 10X rewards points (2.9 miles per dollar) for foreign currency spends on retail, dining and travel.

💡 Pro-tip: Did you know that SCB Rewards+ cardholders are entitled to 1-for-1 Platinum Movie Suites Tickets at Cathay Cineplexes’?

While it’s a great rewards card with few restrictions, there are more suitable credit cards out there for online shopping and everyday necessities. Essentially, if you’re not one to drop good money on foodie finds or travel, this card might not be that much of a plus for you.

SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered Rewards+ Card. Eligible for new Standard Chartered cardholders only.

Receive a Dyson AM07 (worth S$459) or a Sony WF-1000XM5 (worth S$429) or S$300 eCapita Voucher or S$280 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250 (1)

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.

  • S$190.00 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
  • S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
  • S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
  • S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)

Best for high-income earners: Standard Chartered Visa Infinite Card

If your lifestyle involves rolling into a new city every month (whether for work or play), and earn more than $150,000 a year, consider the Standard Chartered Visa Infinite Credit Card.   

You’ll start your Visa Infinite journey with a bang by receiving 35,000 bonus welcome miles. Next, escape crowded airport terminals with six complimentary passes to airport lounges yearly and be able to travel with peace of mind, thanks to complimentary travel insurance coverage of up to $1,000,000. 

The miles per dollar earn rates are also not too shabby: 1.4 miles per dollar on local spends, and 3 miles per dollar on overseas spends. 1-for-1 dining privileges at selected restaurants with The Good Life® also apply. 

If this sounds like a party to you, wait till you hear about the round-the-clock Visa Infinite concierge service. It promises to fulfil any lifestyle needs you might have — just make a call and they’ll make it happen. Be prepared to fork out an annual fee of S$599.50 to enjoy the full benefits of the card.


For everyday spend: Standard Chartered Journey Card

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If your idea of a great time is hopping on planes, then the Standard Chartered Journey Card (formerly known as the Standard Chartered X Card) is made for you. 

Like the X Card, the Journey Card will continue to earn an unlimited 1.2 miles per dollar for local spending and 2 miles per dollar for overseas spending. Plus, you will still receive two Priority Pass lounge visits per year. As part of the rebranding, the Journey Card now rewards you with a bonus of 3 miles per dollar spent on selected online transactions, including transportation, grocery, and food delivery merchants.

In case you need more convincing, they are handing out up to 45,000 miles as a welcome gift so this might just be your sign to book that flight you've been deliberating on! 

P.S. The SCB Journey Card comes with a first-year annual fee waiver.

SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Standard Chartered Journey Card:

Receive an Apple AirPods Pro (worth S$365.70) or 15K Max Miles or S$280 eCapita Voucher or S$250 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024.  T&Cs apply.

Plus, receive an additional 45,000 miles when you apply with annual fee payment (S$196.20 incl. GST) and make a min. spend of S$3,000 within 60 days of card approval. Valid till 31 July 2024. T&Cs apply

Rewards Upgrade Campaign_BLOGARTICLE_800x250 (1)

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.

  • S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
  • S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
  • S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)


For everyday spend: Standard Chartered Smart Card

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The Standard Chartered Smart Credit Card stands out as an excellent choice for individuals who are new to the world of credit cards.

What sets this card apart is its generous offering of 6% cashback on various everyday expenses. Whether you're grabbing fast food, enjoying a cup of coffee, or paying for digital subscriptions, this card ensures you save more with every purchase. Another bonus? You can also use it for your transport expenses, like buses and MRT rides, and still enjoy the same 6% cashback — with absolutely no minimum spending requirements to worry about.

Read more:
EZ-Link vs EZ-Reload vs SimplyGo: Best App + Card to Pay For Public Transport in Singapore
7 Credit Cards You Can Use as Your EZ-Link Card

Do note that the 6% cashback is offered in 360°Reward Points. In turn, these points offer the flexibility of redeeming other rewards, such as miles, vouchers and gift cards.

But that's not all. If you have a big purchase coming up or need to manage your cash flow, you can easily convert any of your transactions into 3-month interest-free instalments – talk about financial flexibility! There are no processing fees either, so that's nice.

And lastly, there is no annual fee whatsoever. It is perpetually waived off, allowing you to spend on your favourite everyday merchants to your heart's content!

See also: 4 Types of Credit Cards With Lifetime Annual Fee Waivers

SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for a Standard Chartered Smart Card:

Receive a Dyson AM07 (worth S$459) or a Sony WF-1000XM5 (worth S$429) or S$300 eCapita Voucher or S$280 Cash via PayNow when you apply and spend min. S$500 within 30 days of card activation & approval. Valid till 31 July 2024. T&Cs apply.

Rewards Upgrade Campaign_BLOGARTICLE_800x250 (1)

⬆️Reward Upgrade Campaign⬆️: Upgrade your rewards when you top up specific amounts. Valid till 31 July 2024. T&Cs apply.

  • S$190.00 for an Apple AirPods Pro (2nd Gen) (worth S$365.70)
  • S$300.00 for an Apple iPad 9th Gen 10.9 wifi 64GB (worth S$508.30)
  • S$380.00 for a Xiaomi Robot Vacuum X20 UK (worth S$699.00)
  • S$450.00 for a Flujo Ayla Ergonomic Office Chair (worth S$1,139.00)

⭐ Read this article to enjoy more Standard Chartered credit card promos!

 

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