Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

The Standard Chartered Smart Credit Card is a great option to have if you frequent fast-food outlets, pay for digital subscriptions or commute regularly on bus or MRT. Cashback is earned in the form of Rewards Points, which you can redeem for 6% cashback. With zero annual fees and no minimum spend requirements, it is the perfect card to have for everyday spending.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
No Annual Fee
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Monthly Spend Required
S$ 0
Minimum Annual Income
S$ 30,000
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2 Offers Available
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
SingSaver Exclusive Offer
Apple AirPods 4th Gen with Active Noise Cancelling (worth S$249)
  • SingSaver Exclusive Offer promotion is valid until 30 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)
SingSaver Exclusive Offer
Hinomi H1 Classic V3 Ergonomic Office Chair without Headrest (worth S$659)
  • SingSaver Exclusive Offer promotion is valid until 30 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
S$250 Shopee voucher
SingSaver Exclusive Offer
S$250 Shopee voucher
  • SingSaver Exclusive Offer promotion is valid until 30 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
S$200 Cash via PayNow
SingSaver Exclusive Offer
S$200 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 30 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Smart Card or Rewards+ Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion is not stackable with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Win a Paris Getaway for Two!
Standard Chartered Pinball Sure-Win Promotion
Win a Paris Getaway for Two!
  • Standard Chartered Pinball Sure-Win promotion runs from 26 May 2025 to 31 July 2025.
  • Promotion is valid for new and existing Standard Chartered customers.
  • Apply for and perform actions with selected Standard Chartered products to earn game turns for a chance at the Grand Prize:
    • Receive 1x game turn when you apply and get approved for a Standard Chartered credit card during the promo period.
    • Receive 1x game turn for every S$100 local spend in a single transaction on your Standard Chartered credit card.
    • Receive 2x game turns for every S$100 foreign currency spend in a single transaction on your Standard Chartered credit card.
    • Receive 2x game turns when you split payments of at least S$150 into interest-free instalments with SC EasyPay.
    • Receive 2x game turns when you convert your credit card's balance statement into monthly instalments with SC EasyPay.
    • Receive 2x game turns when you apply for a CashOne Personal Loan with min. amount of S$15,000 and min. tenure of 3 years.
  • Promotion is stackable with SingSaver Exclusive Offer where applicable (additional T&Cs apply).
  • Terms and Conditions apply

Things to consider

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Flexible redemption options for miles, cashback or shopping vouchers

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Streaming, dining and commuting

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Interest-free Installments with SC Easy Pay

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No Annual Fee

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Benefits

Cashback

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Cashback Base Rate
0.5  %
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Cashback Local
Up to 10  %
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flight
Cashback Overseas
Up to 10  %
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restaurant
Cashback Dining
Up to 10  %
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Cashback Online Bill Payment Spending
6  %
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commute
Cashback Transport
Up to 10  %
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Quick Facts

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Earn up to 10% cashback for spends above S$1,500 on selected merchants.

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Earn up to 8% cashback for spends above S$800 on selected merchants.

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Enjoy 0.5% cashback for all base spends with no monthly cashback cap.

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Enjoy peace of mind when your flight is delayed with Visa SmartDelay™, which offers complimentary access to over 1,700 airport lounges and travel experiences.

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Interest-free instalments with SC Easy Pay.

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No cash advance fee.

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No annual fee.

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No cashback cap.

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Cashback awarded in the form of 360° Rewards Points.

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Points expire after 3 years.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
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Monthly Spend Required
S$ 0
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Fees / Repayment

Fees

Annual Fee Waiver
No Annual Fee
Annual Fee
No Annual Fee
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Foreign Currency Transaction Fee
3.5  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 27
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Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
23.9  %
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Interest on Cash Advance
29.9  %
Interest Free Period
3  Months
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Others

Association

VISA

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Standard Chartered Smart Credit Card Standard Chartered Smart Credit Card

Read Singsaver’s full review of the Standard Chartered Smart Credit Card

Pros & cons

Pros Cons
Up to 10% unlimited cashback on eligible bonus spending categories, including all major streaming services. High monthly minimum spend required to unlock 8-10% cashback tiers.
Annual fee waiver for your 1st year. Fast food makes up the majority of bonus cashback dining merchants.
Redeem your 360° Rewards Points for cashback, miles or shopping vouchers. Annual fees are now applicable from your 2nd year onwards.

 

Who is this card for

The 4-10% cashback on fast food makes this a great choice for fast food fans with family members who share their love of tucking into deep-fried gold and oven-baked cheesy treats. It’s also perfect for those bingeing on Asian rom-coms on iQIYI, or the latest trending series on HBO GO, since the Smart Credit Card helps you save 4-10% on your streaming subscription. The Smart Card’s 4-10% cashback on electric vehicle charging is also useful for EV drivers who wish to save on recurring monthly costs. Lastly, those who regularly commute by public transport may enjoy 4-10% cashback on bus or train journeys with SimplyGo.

 

Compare to other cards

So, what are some other everyday spending credit cards you should consider? Let’s compare the Standard Chartered Smart Credit Card to the UOB One Card and the POSB Everyday Card.

Like the Smart Credit Card, the UOB Cash Card also offers up to 10% cashback on eligible spending categories. You’ll be happy to know that the Cash Card’s categories are a bit more wide-ranging, which allows you to earn cashback on everything from groceries to daily essentials. Public transport commuters can score 10% cashback on their rides with SimplyGo and drivers can enjoy up to 24% savings at Shell and SPC stations islandwide. The caveat here is that you’ll also need to hit a high threshold to enjoy better cashback rates. You’ll need a minimum monthly spend of $500 for up to 8.3% cashback, or $2,000 for up to 10% cashback.

POSB Everyday Card members also get up to 10% cash rebates on select categories, like online food deliveries, in-store Malaysian Ringgit spend and public transport rides with SimplyGo. They’ll also get up to 5% cash rebates for shopping spend with popular online retailers like Redmart, Shopee and Lazada. This makes the POSB Everyday Card a wonderful option for young families who may have limited time for meal preparation, and those who love hopping over the causeway for retail therapy weekend trips.

Standard Chartered Smart Credit Card

Interest rate: 27.9%

Annual fee: S$91 (Excluding 9% GST)

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $90,000 for foreigners

Benefits:

  • Unlimited cashback of 10% on eligible spending categories including fast food dining, streaming services, charging of electric vehicles and public transport
  • Annual fee waiver for your 1st year
  • Redeem your 360° Rewards Points for shopping vouchers, miles or cashback with the SC mobile app
  • No cash advance fee

UOB One Card

Interest rate: 27.80% p.a.

Annual fee: S$196.20

Minimum annual income:

  • S$30,000 for Singaporeans and PRs
  • S$40,000 for foreigners

Benefits:

  • Up to 8.3% cashback with a minimum spend of $500 per month 
  • Up to 10% cashback with a minimum spend of $2,000 per month
  • Fuel savings of up to 24% at Shell and SPC stations islandwide
  • Earn up to 5.3% p.a. interest by spending at least $500 per month with your UOB One Card and crediting your salary to your account/making 3 GIRO transactions monthly
  • Up to 4.33% cashback on SP Group utility bills
  • Earn bonus cashback on daily essentials, groceries, health & beauty products, transport and more.

Learn more

POSB Everyday Card

Interest rate: 27.8%

Annual fee: $196.20 

Minimum annual income:

  • $30,000 for Singaporeans and PRs
  • $45,000 for foreigners

Benefits:

  • Up to 10% cash rebates on online food deliveries
  • Up to 10% cash rebates on in-store Malaysian Ringgit spend
  • Up to 10% cash rebates on bus and train rides with SimplyGo
  • Up to 5% cash rebates with online retailers like Amazon Singapore, Taobao, Redmart, Lazada, Shopee and Tiktok Shop
  • Up to 8% cash rebates at POPULAR’s book stores and online stores.
  • Additional cash rebates with no minimum spend required of 5% at Sheng Siong, 6% at SPC and 3% at Pet Lovers Centre.

Learn More

 

Credit card application

Step 1: Start your application on SingSaver

  • Click on the “Apply Now” button on this page.
  • Choose “Continue with Email” or “Continue with Google” to proceed.

Step 2: Fill in your personal and financial details

  • Provide basic information such as your name, NRIC, contact details, and income.
  • For faster processing, use MyInfo via SingPass to auto-fill your details securely.
  • If you prefer, you can also enter your information manually.

Step 3: Upload your supporting documents

To verify your eligibility, you’ll need to provide the following documents (especially if you’re not using MyInfo):

  • Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners)
  • Latest computerised payslip (or salary-credited bank statement from the past 3 months)
  • Latest Notice of Assessment (NOA) from IRAS

Step 4: Submit your application

  • Review your details carefully and submit your application.
  • OCBC typically processes applications within 3 to 5 working days. You’ll receive email or SMS updates on your application status.

Step 5: Receive and activate your card

  • Once approved, your new OCBC 365 Credit Card will be mailed to your registered address.
  • Follow the activation instructions included with your card (or activate via OCBC’s mobile banking app).
  • Once activated, you can start spending to earn cashback — and make sure to meet the minimum spend requirement to enjoy bonus cashback rates!

 

Credit card application resources

Need a card that matches how you spend and live? Check out our top recommendations by category below:

 

Frequently asked questions about the Standard Chartered Smart Credit Card

How much is the annual fee for the Standard Chartered Smart Credit Card?

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The annual fee for the Smart Credit Card is $91 (excluding 9% GST), this is waived for your first year. Supplementary cards are still free, you can have up to 4 of them.

What is the Standard Chartered Smart Credit Card?

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The Smart Credit Card is a category-based rewards card you can earn 360° Rewards Points when you spend, which you can then convert to miles, cashback or shopping vouchers. A rewards tier of 4-10% is offered based on your minimum monthly spend.

How to redeem Standard Chartered Smart Credit Card points?

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Easily redeem your points via the SC Mobile app. Do note, however, that a transfer fee of $27.25 (inclusive of GST) is applicable for miles redemption.

What are the benefits of a Standard Chartered Smart Credit Card?

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The Smart Credit Card's main benefits consist of their 4-10% cashback rate on popular fast food restaurants, streaming services, EV vehicle charging and public transport via SimplyGo.

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