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.

See Moreexpand_more

Card benefit

points / dollar

info

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

info

First Year Waived

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

layers

Highlights

Card benefit

points / dollar

info

Annual Fee

S$ 196.2

info

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!

Stackable Welcome Offer with SingSaver Reward

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.
[Million Reasons to be Happier Promotion Instructions]
- Perform an eligible action to unlock a pack of instant photo cards.
- Each card pack contains three instant photo cards
- Collect the required number of instant photo cards to complete a set and secure your win!
[Million Reasons to be Happier Promotion Registration]
- Log in to SC Mobile Tap on "SC Million Reasons to be Happier" promotion on the Discover tab
- Tap on "Register now" and unlock a complimentary card pack
[Million Reasons to be Happier Promotion Card Packs]
- Get 2 packs when you apply for a CashOne Loan of minimum S$15,000
- Get 1 pack for Every 7 Check-Ins to the Promotion page on SC Mobile
- Refer to the T&Cs to discover more ways to earn more packs!

Things to consider when choosing this card:

Things to consider

check

Overseas rebate

check

No monthly spend required

check

Travel insurance

remove

Rebate cap applied

sentiment_satisfied

Benefits

Cashback

credit_card

Cashback Base Rate

0.25 %

info

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

location_on

Cashback Local

0.6 %

info

(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

flight

Cashback Overseas

2.48 %

info

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

restaurant

Cashback Dining

1.24 %

info

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

shopping_bag

Cashback Overseas Online Shopping

2.48 %

info

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

paid

Cashback Forex

2.48 %

info

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

See Moreexpand_more

AirMiles

credit_card

Airmiles Base Rate

0.29 miles / dollar

location_on

Airmiles Local

0.29 miles / dollar

flight

Airmiles Overseas

2.9 miles / dollar

info

Overseas retail, dining and travel.

restaurant

Airmiles Dining

1.45 miles / dollar

info

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

luggage

Airmiles Travel

6 miles / dollar

info

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

See Moreexpand_more

sports_score

Quick Facts

check_circle

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

check_circle

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

check_circle

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

check_circle

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

check_circle

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

check_circle

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

help

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

help

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

lightbulb

Guides

rule_folder

Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

None

local_atm

Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

info

First Year Waived

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

info

Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

info

Excluding GST

Repayment

Minimum Payment

S$ 50

info

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

Late Payment Charge

S$ 100

info

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

grid_view

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

Tags