Best Standard Chartered Credit Cards in Singapore 2023
Experience financial flexibility with Standard Chartered Credit Cards in Singapore 2023. Choose from a range of card options that fit your lifestyle and enjoy exclusive benefits, from cashback, rewards points, miles, dining discounts, and much more. Apply now and take advantage of all that Standard Chartered has to offer in 2023.
- Standard Chartered Smart Card: Best for Everyday Spending
- Standard Chartered Simply Cash Card: Best for Unlimited Cashback
- Standard Chartered Rewards+ Card: Best for Foreign Spending
- Standard Chartered Visa Infinite Card: Best for Luxury Travel
- Standard Chartered X Card: Best for Flexible Rewards Redemption
Disclaimer: SingSaver assembles this 'best' list from cards listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before signing up for any financial product.

Start by evaluating the rewards and benefits that each card offers, such as cashback, miles or rewards points on certain purchases.

Next, consider the annual fee, interest rate, and any additional fees associated with the card. Additionally, look into the card's foreign transaction fees if you plan to travel frequently.

It's helpful to compare the options available and read reviews from other cardholders before deciding. Ultimately, the right Standard Chartered credit card will depend on your specific needs and how you plan to use it.
SingSaver Exclusive: Standard Chartered Credit Card Promotions in Singapore
Standard Chartered Simply Cash Card: Receive a Dyson Supersonic™ Hair Dryer (worth S$699) or a Nintendo Switch OLED (worth S$549) or an Apple AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.35) or up to S$400 SUPER Upsized Cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 17 October 2023. T&Cs apply.
Plus, get an additional $20 Bonus Cash when you put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of select merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix.
Standard Chartered Journey Card: Receive up to S$140 SUPER Upsized Cash via PayNow when you get approved for the Standard Chartered Journey Card. Valid till 17 October 2023. T&Cs apply.
In addition, receive up to 45,000 miles when you apply and make a minimum spend of S$3,000 with 2 months of card approval, plus annual fee payment. Valid till 31 October 2023. T&Cs apply.
Alternatively, get up to 35,000 miles when you apply and make a minimum spend of S$3,000 with 2 months of card approval (without annual fee payment). Valid till 31 October 2023. T&Cs apply.
Plus, get an additional $20 Bonus Cash when you put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of select merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix.
Standard Chartered Smart Card and Rewards+ Card: Receive an Apple AirPods Gen 3 (worth S$271.50) or up to S$270 SUPER Upsized Cash via PayNow when you apply and spend at least S$250 within 30 days of card approval date. Valid till 17 October 2023. T&Cs apply.
Plus, get an additional $20 Bonus Cash when you put your card-on-file and spend at least $20 on select merchants within 30 days of Card approval. List of select merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix.
Best Standard Chartered Credit Card Comparison
Product |
Benefits |
Spending Category |
Min. Annual Income |
Annual Fee |
Apply |
---|---|---|---|---|---|
![]() Standard Chartered Smart Credit Card
|
6% cashback on Spending Category |
Fast food, coffee and toast, digital subscriptions, and bus and MRT rides |
Local/PR: S$30,000
Foreigner: S$60,000 |
No annual fees
|
|
![]() Standard Chartered Simply Cash Credit Card
|
Unlimited 1.5% cashback with no spend requirements |
All categories with exclusions (e.g. Tax Payments, Insurance Payments, etc.) |
Local/PR: S$30,000
Foreigner: S$60,000 |
S$194.40 (First 2 Years Fee Waiver)
|
|
![]() Standard Chartered Rewards+ Credit Card
|
Up to 10X Reward Points on Spending Category |
Foreign currency and local dining spend |
Local/PR: S$30,000
Foreigner: S$60,000 |
S$194.40 (First 2 Years Fee Waiver)
|
|
![]() Standard Chartered Visa Infinite Credit Card
|
S$1 = 1.4 / 3 miles on local/overseas spend (with min. S$2,000 spend) |
All categories with exclusions (e.g. Tax Payments, Insurance Payments, etc.) |
Local/PR: S$30,000
Foreigner: S$60,000 |
S$594 (Annual fee cannot be waived)
|
|
![]() Standard Chartered Journey Credit Card
|
3 mpd on Spending Category |
Transportation, food delivery, and online grocery merchants |
Local/PR: S$30,000
Foreigner: S$60,000 |
S$194.40 (Option of first-year annual fee waiver)
|
|
Standard Chartered Smart Card
The Standard Chartered Smart Credit Card is a great option for first-time credit card holders. This card offers 6% cashback on fast food, coffee and toast, digital subscriptions and transport spend, with no spending requirements. You can also turn your transactions into 3-month interest-free instalments with no processing fee!
What others are saying about this card?
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Standard Chartered Simply Cash Card
The Standard Chartered Simply Cash Credit Card is a great option for those who want to earn up to 1.5% cashback on their everyday spending in Singapore, with no minimum spend required. You can also enjoy discounts and privileges at selected merchants, making it a versatile card for all your needs.
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Standard Chartered Rewards+ Card
The Standard Chartered Rewards+ Credit Card is perfect for those who love to earn rewards points in Singapore. With this card, you can earn up to 10 Rewards Points for every S$1 spent on eligible purchases, which can be redeemed for a variety of rewards, including air miles, cash credits, shopping vouchers, and more.
What others are saying about this card?
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Standard Chartered Visa Infinite Card
The Standard Chartered Visa Infinite Credit Card is a premium card that offers a range of exclusive benefits and privileges in Singapore. Cardholders can enjoy 6 complimentary visits to Priority Pass lounges, as well as up to 3 miles for every S$1 spent. The card also comes with comprehensive travel insurance coverage.
What others are saying about this card?
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Standard Chartered Journey Card
The Standard Chartered X Credit Card has been rebranded and is now called the Journey Card. Its benefits have also been overhauled, allowing cardholders to earn 3 miles for every S$1 spent on transportation, food delivery and online grocery merchants (capped at 3,000 miles per statement month). It also comes with 2 complimentary visits to Priority Pass lounges and travel insurance.
What others are saying about this card?
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EasyPay by Standard Chartered
This feature can be useful for making big-ticket purchases, such as flight tickets or furniture, more convenient and affordable to pay. Do note that only transactions above S$500 can be converted into an EasyPay instalment.
Standard Chartered EasyRewards Programme
Join today and start earning rewards for your spending.
Standard Chartered EasyBill Payment Programme
Please note that a non-refundable, up to 1.9% processing fee is applicable for each EasyBill transaction.
Standard Chartered Temporary Credit Limit Increase
Please note that a non-refundable, up to 1.9% processing fee is applicable for each EasyBill transaction.
Live The Good Life® Privileges With Standard Chartered
Enjoy discounts and promotions on dining, travel, shopping, and entertainment, plus access to exclusive events. Sign up for Standard Chartered credit card today and start living the good life!
Protect Yourself with Standard Chartered's CardSafe Guarantee
No registration is required and this guarantee is provided free to all eligible credit cardholders.

Applying for a Standard Chartered Credit Card
- Visit the Standard Chartered website and select your credit card of choice. Alternatively, you can also apply for your Standard Chartered credit card via SingSaver for exclusive rewards.
- Check the eligibility criteria and ensure that you meet the minimum age and income requirements.
- Submit your application online via Myinfo, and wait for approval. You may be contacted if additional information is required.
- Once your application is approved, you'll receive your credit card in the mail within a few days.
- Activate your card according to the instructions provided, and start using it for your everyday expenses to enjoy the benefits it offers.
Activating Your Standard Chartered Credit Card Online
- Login to the Standard Chartered Online Banking portal or SC Mobile app and click on "Help & Services".
- Select "Credit Card Activation & PIN Set".
- Choose a personal identification number (PIN) for your card, which you'll need to use for cash withdrawals and other transactions.
- Once prompted, follow the on-screen instructions.
- Upon completion, your credit card will be activated. Do remember to set your PIN as well.
Cancelling Your Standard Chartered Credit Card
- Login to the Standard Chartered Online Banking portal or SC Mobile app and click on "Help & Services".
- Under Card Management, select "Credit Card Cancellation".
- Next, select your reason for cancelling your credit card.
- Select the credit card(s) you wish to cancel.
- Review your credit card details.
- Submit your request. You will receive an email and SMS once your request is completed.

Paying Your Standard Chartered Credit Card Bill
- Internet Banking: You can pay your credit card bill through the Standard Chartered Internet Banking portal which allows you to securely view your account details, pay bills, and transfer funds.
- Mobile Banking: You can pay your credit card bill, complete fund transfers, check your account details and more via the SC Mobile Banking app on your smartphone.
- AXS: With AXS, you have the convenience and flexibility of paying your Standard Chartered credit card bill anywhere, anytime.
- Cash Deposit Machines (CDM): You can pay your credit card bill by cash via CDM by selecting the Minimum Amount Due or Outstanding Balance.
Requesting an Annual Fee Waiver from Standard Chartered
- Login to the Standard Chartered Online Banking portal or SC Mobile app and click on "Help & Services".
- Under Card Management, select "Credit Card Fee Waiver"
- Next, select your credit card followed by the annual fee to be waived.
- Review your annual fee request and tap "Confirm" to submit your request.
- You will receive a notification for your annual fee waiver within 1 working day.
Redeeming Your Standard Chartered 360° Reward Points in Singapore
- Log in to the Standard Chartered's Online Rewards portal.
- Search for your preferred rewards by Product name, Points range or Brands
- Select your rewards, indicate the quantity and add it to your cart.
- Confirm your order upon checkout.
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Frequently Asked Questions About Standard Chartered Credit Card
There are several ways to pay your Standard Chartered credit card bill in Singapore. One option is to use the bank's online banking or mobile platform, where you can make payments easily and securely from your computer or mobile device.
Another option is to set up a standing instruction, which automatically deducts the amount due from your bank account each month. You can also pay your bill in person at a Standard Chartered branch or through the ATM network.
Additionally, you can make a payment through a third-party bill payment service, such as AXS. Regardless of the method you choose, it's important to make your payments on time to avoid late fees and maintain a good credit score.
To request an annual fee waiver for your Standard Chartered credit card in Singapore, you can contact the bank's customer service hotline or through the Online Banking platform or Mobile Banking app.
Be sure to have your credit card number and other relevant information ready. You can explain your reasons for requesting a waiver, such as being a long-time customer or facing financial difficulties.
Alternatively, you can offer to spend a certain amount on your credit card over the next few months as an incentive for the bank to waive the fee.
Standard Chartered Bank may require you to provide additional documentation to support your request. Keep in mind that not all credit card issuers offer fee waivers, and the bank's decision ultimately depends on its policies and your individual circumstances.
To apply for a Standard Chartered credit card without a Standard Chartered bank account, you can visit the bank's website and look for the credit card application page.
Fill out the required personal and financial information, such as your income, employment status, and contact details. You may also need to provide supporting documents, such as your NRIC, income tax statement, or employment letter.
The bank will then evaluate your application based on its credit criteria, which may include factors such as your credit score, income level, and debt-to-income ratio.
If approved, you will receive your credit card within a few weeks. Keep in mind that credit card terms and conditions vary depending on the issuer and the specific card, so it's important to read and understand the terms before applying"