Standard Chartered Rewards+ Credit Card

The Standard Chartered Rewards+ Credit Card is made for travellers — offering up to 10 bonus points on select overseas spend, with no minimum spend required. At the same time, you'll be spoilt for choice with the highly attractive reedeemable rewards.

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Card benefit

points / dollar

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Earn up to 10 points per dollar on overseas retail, dining, and travel, and 5 points per dollar on dining transactions in SGD. You can earn up to 10,360° Reward Points on overseas retail transactions, with a base rate of 1 point per dollar on all other spending. Capped at 20,000 points per year

Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

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Highlights

Card benefit

points / dollar

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Annual Fee

S$ 196.2

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First Year Waived

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

Offer Available

Win a luxury private jet trip to the Maldives and more!

Standard Chartered Million Reasons to be Happier Giveaway

Win a luxury private jet trip to the Maldives and more!

Standard Chartered Million Reasons to be Happier Giveaway promotion runs from 1 November 2025 to 28 February 2026.
Promotion is valid for new and existing Standard Chartered credit cardmembers.
Register for the promotion via the SC Mobile App and complete actions with your Standard Chartered credit card to earn Card Packs (chances to win the lucky draw). Actions include (but are not limited to):
- Every S$150 cumulative credit card spends posted earns 1x Card Pack
- Every 1 approved Easypay Transaction earns 1x Card Pack
- Every 1 Easypay Transaction done on a Visa card OR made by a priority client earns 2x Card Packs
- See the Terms and Conditions for all eligible actions
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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Overseas rebate

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No monthly spend required

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Travel insurance

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Rebate cap applied

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Benefits

Cashback

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Cashback Base Rate

0.25 %

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Based on conversion rate of 40,350 points = $100.

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Cashback Local

0.6 %

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(Indirect Cashback) S$1.60 spend = 2 Membership Rewards points. 1,000 points redeemed = S$4.80 cash credit (Pay With Points), equivalent to 0.6% cashback

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Cashback Overseas

2.48 %

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Overseas retail, dining and travel. Based on conversion rate of 40,350 points = $100.

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Cashback Dining

1.24 %

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Based on conversion rate of 40,350 points = $100

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Cashback Overseas Online Shopping

2.48 %

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Overseas retail, dining and travel. Based on conversion rate of 40,350 points = $100

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Cashback Forex

2.48 %

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Overseas retail, dining and travel. Based on conversion rate of 40,350 points = $100

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AirMiles

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Airmiles Base Rate

0.29 miles / dollar

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Airmiles Local

0.29 miles / dollar

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Airmiles Overseas

2.9 miles / dollar

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Overseas retail, dining and travel.

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Airmiles Dining

1.45 miles / dollar

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If you hold the Standard Chartered X Credit Card as well.

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Airmiles Travel

6 miles / dollar

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(Up to UNI$15 per S$5 spend) on major airlines and hotels worldwide via Agoda, Expedia and UOB Travel.

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Quick Facts

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Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.

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Up to 5X reward points for every S$1 spent on dining transactions.

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1 reward point for every S$1 spent on all eligible spend.

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No min. spend required, 1 year annual fee waiver.

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Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.

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Read our full review of the Standard Chartered Rewards+ Credit Card.

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Additional reward points are capped at 20,000 points per year.

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Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

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First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

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Excluding GST

Repayment

Minimum Payment

S$ 50

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S$50 or 1% of principal plus interest, fees and charges; plus any overlimit amount and past due amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.9 %

Interest on Cash Advance

28 %

Interest Free Period

22 days

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Others

Association

VISA Signature

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Standard Chartered Rewards+ Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

AirMiles

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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