Standard Chartered Unlimited Card Review: Fuss-free Cash Back Card

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The Standard Chartered Unlimited Cashback Card is a no-brainer when it comes to calculating your cashback per month. First, almost all spend qualifies you for 1.5% cashback. Second, there’s no cashback cap per month. Third, no minimum spend is required per month to qualify for cashback.


Standard Chartered Unlimited Cashback Credit Card - SingSaver

*Only on SingSaver platform, not via bank

15% cash back on Grab rides worldwide

Standard Chartered is offering 15% cashback on all spend in the Grab app until December 2018. But this does come with a minimum monthly spend requirement of S$900 in eligible retail transactions.  Cashback earned will be credited to your account by the 28th of the following month.

Card doubles up as EZ-link card

The SC Unlimited Cashback Credit Card is among four credit cards that can double up as your EZ-Link Card. That means you can use the same card to pay for your public transport and at merchants where EZ-Link payment is accepted. It comes with the convenient EZ-Reload function, which automatically tops up your card with S$50 when balance runs low. Amounts charged under EZ-Reload are also eligible for 1.5% cash back.

2-year fee waiver

Unlike other no-cap cashback cards which come with a first-year fee waiver, the Standard Chartered Unlimited Cashback Credit Card offers an automatic 2-year fee waiver.

Other benefits

  • 10% cashback on Amazon Prime: From now till 31 January 2019, enjoy up to 10% cashback on the Amazon Prime Now app and enjoy free Amazon Prime membership, with no minimum spend. Capped at S$10 per month (excludes the Amazon Prime membership valued at S$2.99). Rebates earned will be credited in the following month
  • Dining privileges: 1-for-1 meals at selected merchants and up to 50% off a-la-carte food items and selected buffets.

When 1.5% unlimited cashback card works in your favour

As a general strategy, one should always have a general card for day-to-day spending, and the Standard Chartered Unlimited Card can be the default card when you may not be able to hit your other cards’ minimum spend per month. Alternatively, it’s ideal for big ticket items (for example, a wedding banquet or home furniture shopping) when you’re likely to exceed the cashback caps offered by other cards. 

The table below shows how the card is a clear winner compared with other similar cashback cards.


Up to S$300 in cash + cashback welcome offer

For new cardholders, SingSaver is offering an exclusive welcome offer of up to $300 in cash and cashback upon card approval and activation. Do remember to register for your reward after completing your application here.

Compare best cashback credit cards in Singapore on SingSaver 

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Rohith Murthy

By Rohith Murthy
Rohith leads SingSaver, a financial comparison site aimed at helping consumers in Singapore save money and time by finding the right financial products.