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
None
Minimum Annual Income
S$ 30,000
2 Offers Available
Get 1x chance to win a VIP Suite Concert Experience
SingSaver Concert Giveaway
Get 1x chance to win a VIP Suite Concert Experience
  • SingSaver Giveaway promotion runs from 16 April 2025, 9:00 AM SGT to 4 May 2025.
  • Promotion is valid for new applicants of American Express / Citi / HSBC / Standard Chartered credit cards or IG / Longbridge / Webull stock brokerages only.
  • Apply for participating credit card or stock brokerage products during the promo period to receive 1x chance to win a VIP Suite Concert Experience!
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply
Apple iPad 9th Gen 10.2
SingSaver Exclusive Offer
Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$479)
  • SingSaver Exclusive Offer promotion is valid until 4 May 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 4 May 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.
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)
SingSaver Exclusive Offer
Xiaomi Truclean W20 Wet Dry Vacuum (worth S$249)
  • SingSaver Exclusive Offer promotion is valid until 4 May 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 4 May 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 4 May 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.

Things to consider

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Bonus air miles

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Public transportation

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Installment

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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
6  %
flight
Cashback Overseas
0.5  %
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restaurant
Cashback Dining
6  %
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Cashback Online Bill Payment Spending
6  %
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commute
Cashback Transport
6  %
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Airmiles

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Airmiles Base Rate
0.46  miles / dollar
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Airmiles Transport
5.6  miles / dollar
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Quick Facts

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No cash advance fee.

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No annual fee.

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Enjoy 6% cashback in the form of reward points on selected merchants with no min. spend required.

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Enjoy 0.5% cashback in the form of reward points for all base spends with no monthly cashback cap.

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Enjoy 0% interest rates with 3-month EasyPay instalment tenure with no processing fee.

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Cashback capped at 14,400 reward points, approximately S$45, on selected merchants.

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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
Monthly Spend Required
None
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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

© 2015-2025 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.