Best Standard Chartered Credit Cards in Singapore (2021)

SingSaver team

SingSaver team

Last updated 23 June, 2021

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

Other than being the club sponsor of defending champs Liverpool F.C., Standard Chartered is also known for its can't-miss credit card benefits.

Standard Chartered credit cards are jam-packed with benefits and have featured prominently in many a wallet. In spite of their 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 for 2021.

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Best Standard Chartered Credit Cards in Singapore

Best forCredit card Key benefits 
CashbackStandard Chartered Unlimited CashbackUnlimited 1.5% cashback with no min spend
Dining and travelStandard Chartered Rewards+ $1 = 1.45 miles (local)/2.9 miles (overseas)
Online spendStandard Chartered SpreeUp to 3% cashback for online spend
2% for contactless spend
High income earnersStandard Chartered Visa Infinite6X airport lounge pass a year
1-for-1 Dining privileges

Best for cashback: Standard Chartered Unlimited

If you like the idea of unlimited cashback with no minimum spend, the Standard Chartered Unlimited Cashback Card is for you. 

The card offers a 1.5% cashback on all spends, leaving you with the convenience of not having to track spending categories. Together with the no minimum spend feature, you won’t have to contend with cashback caps too.

Having no conditions attached might sound like a dream come true, and it might just be;  the Standard Chartered Unlimited Cashback 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. 

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

If you apply for the card online using MyInfo, you’ll get an instant digital credit card that you could start using 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 the Standard Chartered Unlimited Cashback is a star for its everyday usability, this is probably not the best option for low budget spenders or those who spend selectively in a certain category.

Best for dining and travel: Standard Chartered Rewards+

If you are looking to start saving up to prepare for the opening up of leisure travel in 2021, the Standard Chartered Rewards+ Card may be for you. 

With no minimum spend required, enjoy 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. That includes cashback on orders made via online 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. Other key benefits include 1-for-1 Platinum Movie Suites Tickets at Cathay Cineplexes’ and up to 50% off à-la-carte dining at The Fullerton Hotel and The Fullerton Bay Hotel Singapore.  

While it’s a great rewards card with few restrictions, there are more suitable credit cards out there if you’re spending a lot of time (and money) on online shopping or everyday necessities like groceries and transport. If you’re not the kind to drop good money on foodie finds or travel, this card might not be that much of a plus for you. 

battle of the rewards cards

Best for online spend: Standard Chartered Spree

If there’s a card out there that understands the joys (and the occasional frustration) of online shopping, it would be the Standard Chartered Spree Card. 

This card entitles you to a 2% rebate on online spends in local currency, contactless and mobile payments. It gets upgraded to 3% for online spends in foreign currency. Cardholders also enjoy shipping discounts, online price guarantees and a no-fee 0% interest instalment plan. Standard Chartered’s partnership with Allianz Cyber Insurance also provides online shopping protection in case of fake goods or fraud. 

On the surface, this card is designed for those who like to shop online, and specifically on foreign websites. But the Standard Chartered Spree card should be a permanent fixture for those who engage in shipping services on a regular basis, be it a small-time e-commerce business owner or those who have friends and family abroad. Up to 10% discount is offered on SmartPac and Speedpost services. Card members also enjoy 15% off storage units at Lock+Store, in the event storage is needed for inventory.  

Although no monthly minimum spend is required, take note of the $60 cap in monthly cashback.

Best for high income earners: Standard Chartered Visa Infinite

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 Card.   

You’ll start your Visa Infinite journey with a bang; receive 35,000 bonus welcome miles or cash in on the option to redeem an Economy Saver Return Ticket to Bali, Hong Kong or Taiwan. 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 fulfill 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 $588.50 to enjoy the full benefits of the card.

Read these next:
Standard Chartered Unlimited Card Review: Fuss-Free Cashback Card
Best Online Shopping Credit Cards in Singapore
Best Credit Cards for Paying Utility Bills in Singapore
Cashback vs Miles vs Rewards: Which Is The Best Type Of Credit Card For You?
Credit Card Welcome Offer: A Comparison of The Best Gifts

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