Best Standard Chartered Credit Cards in Singapore 2025
Updated: 1 Jul 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.
✨Top Up for a Dyson Glow Up✨
Upgrade to a Dyson beauty tool or home essential worth up to S$999 when you apply for a credit card, with a simple top-up starting from just S$30 !
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Card Benefits | Ideal for | |||
|---|---|---|---|---|---|---|---|
 | Standard Chartered Simply Cash Credit Card | S$999 | 1.5 - 2 % cashback | Cashback Enthusiast | |||
 | Standard Chartered Journey Credit Card (Annual Fee Paying) | S$600 | 1.2 - 3miles / dollar | Business Jetsetter | |||
| Standard Chartered Journey Credit Card (Annual Fee Waiver) | S$600 | 1.2 - 3miles / dollar | Business Jetsetter | |||
 | Standard Chartered Smart Credit Card | S$659 | 0.5 - 10 % cashback | Entertainment Cashback Seekers | |||
 | Standard Chartered Visa Infinite Credit Card | S$700 | 1 - 3miles / dollar | Affluent Travellers | |||
 | Standard Chartered Rewards+ Credit Card | S$659 | 1 - 10points / dollar | Frequent Travellers & Diners |
Don’t miss out on these great deals:
✨ Top Up for a Glow Up with Dyson ✨
Only on SingSaver: Apply for select Standard Chartered Credit Cards 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 Jul 31, 2025 to claim your reward
Participating Products:
Standard Chartered Simply Cash Credit Card
:
For Cashback chasers
How to Qualify?
- 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 Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
- Promotion does not stack with other welcome offers from Standard Chartered.
- Terms and Conditions apply.
Apply by Jul 31, 2025 to claim your reward
Cashback Local Spend
2 %Cashback Cap
No capCashback Overseas Spend
2 %Annual Fee
S$ 196.20Apply through SingSaver and choose from 5 premium rewards:
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You’ll also receive the following welcome gift(s) directly from the bank:
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- 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 3000 miles / statement monthAirmiles Baseline
1.2 miles / dollarApply through SingSaver and choose from 4 premium rewards:
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You’ll also receive the following welcome gift(s) directly from the bank:
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- 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:
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You’ll also receive the following welcome gift(s) directly from the bank:
.
- 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
Standard Chartered Smart Credit Card
rating
3.7/ 5
Cashback Local Spend
Up to 10 %Cashback Dining Spend
Up to 10 %Cashback Overseas Spend
Up to 10 %Apply through SingSaver and choose from 4 premium rewards:
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You’ll also receive the following welcome gift(s) directly from the bank:
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- 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 SmartDelay™, 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
Airmiles Overseas Spend
3 miles / dollarAirmiles Local Spend
1.4 miles / dollarRewards Points Overseas Spend
7.5 points / dollarAirport Lounge Access
6 visits per year*Apply through SingSaver and choose from 4 premium rewards:
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You’ll also receive the following welcome gift(s) directly from the bank:
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- Earn up to 3 miles per dollar in every statement cycle where a min. eligible spend of S$2,000 is made.
- Complimentary Priority Pass membership with 6 lounge visits a year.
- Receive complimentary travel insurance coverage of up to S$1 million when you charge your full travel fare to this card.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Earn rewards points on education, rental, insurance, and tax payments via SC EasyBill.
- Local spend: 3.5 rewards points (1.4 miles per S$1)
- Miles do not expire.
- Base earn rate of 1 mile per S$1.
- A S$26.75 transfer fee is levied for every mileage transfer rewards code redeemed.
- Annual fee is strictly non-waivable.
Repayment Details
- Minimum Payment: 1 %
- Late Payment Charge: S$100
- Interest on Purchase: 27.9 %
- Interest Free Period: 22 days
- Interest on Cash Advance: 29.9 %
Fees
- Annual Fee: S$599.50
- Foreign Currency Transaction Fee: 3.5 %
- Air Miles Conversion Fee: S$27
- Cash Advance Service Charge: S$15
Eligibility
- Monthly Spend Required: S$2,000
- Minimum Annual Income: S$150,000
- Minimum Age: 21 years old
Standard Chartered Rewards+ Credit Card
rating
5/ 5
Cashback Overseas Spend
2.48 %Cashback Dining Spend
1.24 %Airmiles Travel Spend
6 miles / dollarAirmiles Overseas Spend
2.9 miles / dollarApply through SingSaver and choose from 4 premium rewards:
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You’ll also receive the following welcome gift(s) directly from the bank:
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- 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
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