Standard Chartered Smart Credit Card

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.

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!