Best Standard Chartered Credit Cards in Singapore 2025
Updated: 30 Sept 2025
Standard Chartered credit cards in Singapore offer great cashback, exclusive dining and shopping deals, and useful travel perks like lounge access and insurance. With easy rewards management and strong security, they're a convenient and reliable choice for everyday spenders.
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Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Min. Annual Income | Card Benefits | Ideal for | ||
|---|---|---|---|---|---|---|---|
 | Standard Chartered Simply Cash Credit Card | S$879 | S$30,000 | 1.5 - 2 % cashback | Cashback Enthusiast | ||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | S$30,000 | 1.2 - 3miles / dollar | Business Jetsetter | ||
 | Standard Chartered Journey Credit Card (Annual Fee Waiver) | S$600 | S$30,000 | 1.2 - 3miles / dollar | Business Jetsetter | ||
 | Standard Chartered Smart Credit Card | S$250 | S$30,000 | 0.5 - 10 % cashback | Entertainment Cashback Seekers | ||
 | Standard Chartered Rewards+ Credit Card | - | - | S$30,000 | 1 - 10points / dollar | Frequent Travellers & Diners |
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Only on SingSaver: Apply for the SCB Simply Cash Credit Card and upgrade your reward to a premium Dyson hair or home product worth up to S$999 — with a top-up starting from just S$50!
Apply by Oct 31, 2025 to claim your reward
Participating Products:
Standard Chartered Simply Cash Credit Card
:Â
For Cashback chasers
How to Qualify?
- SingSaver Exclusive Offer promotion is valid until 31 October 2025.
- Promotion is valid for new Standard Chartered credit cardmembers only.
- Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval, then apply for SCB EasyPay and convert a min. transaction of S$150 with a 12-month tenure to be eligible for reward.
- Promotion does not stack with other welcome offers from Standard Chartered.
- Terms and Conditions apply.
Apply by Oct 31, 2025 to claim your reward
Cashback Local Spend
2 %Cashback Cap
No capCashback Overseas Spend
2 %Annual Fee
S$ 196.20Apply through SingSaver and choose from 6 premium rewards:
- Get 2% unlimited cashback with min. spend of S$800 on monthly basis based on your statement date.
- 1.5% unlimited cashback rate with no min. spend.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- First year annual fee waiver.
- Cannot be used for EZ-Reload.
Repayment Details
Minimum Payment: S$50
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Late Payment Charge: S$100
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Dining Spend
3 miles / dollarAirmiles Overseas Spend
2 miles / dollarAirmiles Bonus Cap
Up to 3,000 miles / statement monthAirmiles Baseline
1.2 miles / dollarApply through SingSaver and choose from 4 premium rewards:
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Dining Spend
3 miles / dollarAirmiles Overseas Spend
2 miles / dollarRewards Points Local Spend
3 points / dollarRewards Points Grocery Spend
7.5 points / dollarApply through SingSaver and choose from 4 premium rewards:
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Monthly Spend Required: S$0
Minimum Age: 21 years old
Cashback Local Spend
Up to 10 %Cashback Dining Spend
Up to 10 %Cashback Overseas Spend
Up to 10 %Apply through SingSaver and choose from 3 premium rewards:
- Earn up to 10% cashback for spends above S$1,500 on selected merchants.
- Earn up to 8% cashback for spends above S$800 on selected merchants.
- Enjoy 0.5% cashback for all base spends with no monthly cashback cap.
- Enjoy peace of mind when your flight is delayed with Visa SmartDelayâ„¢, which offers complimentary access to over 1,700 airport lounges and travel experiences.
- Interest-free instalments with SC Easy Pay.
- No cash advance fee.
- No annual fee.
- No cashback cap.
- Cashback awarded in the form of 360° Rewards Points.
- Points expire after 3 years.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 23.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 3 Months
Fees
Annual Fee: No Annual Fee
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$0
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Overseas Spend
2.48 %Cashback Dining Spend
1.24 %Airmiles Travel Spend
6 miles / dollarAirmiles Overseas Spend
2.9 miles / dollar- Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
- Up to 5X reward points for every S$1 spent on dining transactions.
- 1 reward point for every S$1 spent on all eligible spend.
- No min. spend required, 1 year annual fee waiver.
- Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
- Read our full review of the Standard Chartered Rewards+ Credit Card.
- Additional reward points are capped at 20,000 points per year.
- Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old