Be Smart - Maximise your cashback

Unlock unlimited cashback on more bonus merchants

 

SMART Dining

McDonald’s, KFC, Burger King, Ya Kun Kaya Toast, Subway and Toast Box

New Bonus Merchants
Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut and Domino’s Pizza

SMART Transport

Bus and/or MRT via SimplyGo

 

New Bonus Merchants
EV Charging

SMART Streaming

Netflix, Spotify, YouTube and Disney+

 

New Bonus Merchants
Amazon Prime, Viu, iQIYI and HBO GO

Earn up to 8% cashback and enjoy welcome offer of S$388 

Unlock unlimited cashback on more bonus merchants

 

SMART Dining

McDonald’s, KFC, Burger King, Ya Kun Kaya Toast, Subway and Toast Box

New Bonus Merchants
Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut and Domino’s Pizza

SMART Transport

Bus and/or MRT via SimplyGo

 

New Bonus Merchants
EV Charging

SMART Streaming

Netflix, Spotify, YouTube and Disney+

 

New Bonus Merchants
Amazon Prime, Viu, iQIYI and HBO GO

Earn up to 10% cashback and enjoy welcome offer of S$388 

Discover the cashback you can earn with your monthly spend:

SMART Dining, Transport, Streaming:

S$

All other eligible spends:

S$

You will unlock S$XXXX cashback at bonus merchants and X% cashback for all other eligible spend.

Total cashback earned for your monthly spending:

Cashback will be credited in the form of 360° rewards points, which can be redeemed in blocks of 3,200 points for $10 cashback

Limited Time Offer

Smart Credit Card Features/Benefits

SMARTDelayTM – Complimentary aiport lounge access(upcoming)

From 15 January 2025, you and your guest will receive complimentary access to airport lounges worldwide in the event of a flight delay.

Interest-free instalments with SC EasyPay

Pay smarter by converting your payments into flexible and affordable instalments.

Live The Good Life®

The Good Life® is what you make of it. Enjoy exciting card offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits.

No fees on Cash Advance

Get cash instantly with no fees, only with your Smart Credit Card

Refer and get S$80 cashback

Tell your friends about the Smart Credit Card and get S$80 cashback.

Refer now

Flexibility of redemption of 360o rewards points

Enjoy a choice of air miles, cash rewards or shopping vouchers with your 360o rewards points.

Complimentary travel insurance

Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000. This benefit is valid until 31 December 2024.

SC EasyBill

Get Cashback/Reward points / Bonus Interest on IRAS, Education, Insurance & Rental payment.

Read more

0% Interest Instalment Plan

Manage your finances with our interest-free monthly instalments plans.

Read more

Temporary Credit Limit Increase

Cover your travel, wedding banquet, hospitalisation or unfortunate events with extra cash.

Read more

Credit Card Credit Limit Review

Enjoy a higher credit limit for your credit cards to increase your spending power without worry. Get it reviewed instantly online today!

Read more

Popular Promotions for your Smart Credit Card

Zalora scb yearlongkv x

Zalora

Enjoy 15% off with min. spend of S$130 with your Smart Credit Card. Valid till 31 December 2025
Dancingcrab chilli crab x

Dancing Crab

Enjoy 10% off ala carte food with your Smart Credit Card. Valid till 31 May 2025
Visa rentalcar

Rentalcars.com

Get 10% off on car rental bookings. Valid till 31 Mar 2026
Sushi

Sushi Jiro

Enjoy 10% off ala carte food with your Smart Credit Card. Valid till 31 May 2025
Expedia

Expedia

12% off hotel bookings with min. spend of S$200, no cap. Valid till 31 March 2025

Things to Know Before Applying for a Smart Credit Card

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$30,000

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Refer to application form for details

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$60,000
  • Must hold a Singapore Employment Pass

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass (with at least 6 months’ validity)
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)

Fees and Charges

Annual Fees

For new cardholders, the annual fee is waived off for the first year. Thereafter, the annual fee is S$91 (excluding 9% GST).

For existing cardholders as at 6 December 2024, the annual fee is waived for the next 12 months. From 6 December 2025, an annual fee of S$91 (excluding 9% GST) would apply.

Finance Charges

EIR 27.9% per annum (minimum) Effective Interest Rate (“EIR”): If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

Cash advance fee is waived for Smart Credit Cardholders.

Late Payment Charges

A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.

For more details on all other applicable fees and charges,  please click here.

Changes to card benefits

From 6 December 2024, you can earn high cashback of up to 10% on even more everyday merchants using your Smart Card.

Card spend in statement month Bonus categories Other eligible spend
< S$800 4%* 0.5%
≥ S$800 8% 0.5%
≥ S$1,500 10% 1%

*Clients who charge less than S$800 to the Smart Card in their statement month will also enjoy 4% cashback on bonus categories. This is only valid for a limited period from 6 December 2024 to 31 March 2025.

A total of 20 merchants under the three pillars of Smart Dining, Smart Streaming and Smart Transport will be eligible to earn bonus cashback.

Bonus categories Current New
Smart Dining McDonald’s
Burger King
KFC
Subway
Toastbox
Yakun		 Starbucks
Coffee Bean
TeaLive
Pizza Hut
Smart Streaming Netflix
Disney+
Spotify Premium
YouTube Premium		 Amazon Prime
Viu
iQiyi
HBO Go
Smart Transport BUS/MRT via SimplyGO Electric vehicle charging*

*All transactions under the MCC 5552 for Electric Vehicle (EV) charging will be included and valid only until 31 December 2025.

The changes will take effect from your next statement cycle after 6 December 2024.

For example, if your statement cycle is on the 19th, your first statement month following the new Smart Card benefits will be from 20th December 2024 to 19th January 2025.

Clients who charge less than S$800 to the Smart Card in their statement month will also enjoy 4% cashback on bonus categories from 6 December 2024 to 31 March 2025.

From 1 April 2025, you will earn the base reward of 0.5% cashback on all eligible spend (including bonus categories) if you do not meet the minimum S$800 monthly spend. Read More on T&C.

Cashback and Rewards

Certain types of transactions are not considered eligible retail transactions and will not earn 360° Rewards Points. For the full list of exclusions, please refer to Standard Chartered Credit Cards Retail Transaction Exclusions.

All eligible spend on the Smart Card (including bonus categories) will earn 360° Rewards Points. See table below for the amount of 360° Rewards Points you will earn with each dollar charged to the card.

Card spend in statement month Bonus categories Other eligible spend
< S$800 12.8 points
(or 4% cashback*)		 1.6 points
(or 0.5% cashback)
≥ S$800 25.6 points
(or 8% cashback)		 1.6 points
(or 0.5% cashback)
≥ S$1,500 32.0 points
(or 10% cashback)		 3.2 points
(or 1% cashback)

Qualifying merchants span a wide range of dining, transport and streaming services, including popular names like — McDonald’s, KFC, Burger King, Ya Kun Kaya Toast, Subway, Toast Box, Starbucks, Coffee Bean, Tealive, Bus/MRT via SimplyGo, Netflix, Disney+, Amazon Prime, Viu, IQiyi, HBO Go, Spotify Premium and YouTube Premium.

For all other spending, cardholders can earn 1% cashback.

You can choose to redeem your 360° Rewards Points for cashback via SC Online Rewards. A minimum of 3,200 360° Rewards Points is required for each redemption of S$10 cashback.

*Only valid for a limited period from 6 December 2024 to 31 March 2025.

There is no cap on cashback from December 6, 2024, onwards.

Under the current Smart Card Rewards Promotions terms and conditions, there is a cap of 14,400 360° Rewards Points (“Smart Cap”) per statement month.

This cap will be removed from 6 December 2024. Smart Cardholders will therefore enjoy no cap on both bonus categories and any eligible spend.

All 360° Rewards Points for Bonus categories earned within your statement month will be credited 1 day after your statement cycle date.

For example, if your statement cycle is on the 19th, your spend period for each statement month will be from the 20th to the 19th of the following month. All 360° Rewards Points for Bonus categories you have earned would therefore be credited on the 20th.

All 360o Rewards Points for other eligible spend earned within your statement month will be credited at the end of your statement cycle date.

For example, if your statement cycle is on the 19th, all 360° Rewards Points for other eligible spend you have earned would therefore be credited on the 19th.

There is no need to replace your existing Smart Card. You can continue using your Smart Card.

You can redeem the cashback via our Online Rewards Page. Cashback can be redeemed in blocks of S$10. Every 3,200 360° Reward Points entitles you to a S$10 cashback for your Smart Credit Card.

Dining, Transports and Streaming Benefits

Merchants that fall under the category of Smart Dining will qualify for bonus 8% or 10% cashback depending on your monthly spend amount.

These merchants include McDonald’s, Burger King, KFC, Subway, Toast Box, Ya Kun Kaya Toast, Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut and Domino’s Pizza.

Merchants that fall under the category of Smart Transport will qualify for bonus 8% or 10% cashback depending on your monthly spend amount.

These merchants include Bus and/or MRT rides via SimplyGo and Electric Vehicle charging transactions that have MCC 5552.

Merchants that fall under the category of Smart Streaming will qualify for bonus 8% or 10% cashback depending on your monthly spend amount.

These merchants include Netflix, Spotify, YouTube, Disney+, Amazon Prime, Viu, iQIYI and HBO GO

3-month interest-free instalments

You may continue to convert your transactions of minimum S$150 to interest-free instalments on your Smart Card. However, there will be a processing fee charged for instalment conversions from 13 January 2025. Please refer to our webpage on EasyPay for more information.

Any EasyPay instalments on your Smart Card effected before12 January 2025 will not be impacted. There will not be a processing fee charged to your card.

Annual Fee and other charges

Your Annual Membership Fee would be waived for the next 12 months. From 6 December 2025, an Annual Membership Fee of S$91 (excluding GST) would apply.

All new Smart cardholders from 6 December 2024 will enjoy a first-year annual fee waiver. You will be charged an annual fee for subsequent years.

Currently, Smart cardholders will be assigned an Effective Interest Rate (“EIR”) of 23.9%, 27.9% or 29.9% per annum based on the Bank’s assessment of the cardholder’s credit profile.

From 6 December 2024, all Smart cardholders will have a standardized EIR of 27.9% per annum. Finance charges are only applicable if payment is not made in full by the due date. These finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.

The changes will take effect from your next statement cycle after 6 December 2024.

For example, if your statement cycle is on the 19th, your first statement month following the standardized EIR of 27.9% per annum will be from 20th December 2024 to 19th January 2025.

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
  • ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
  • Pricing Guide for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here
If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000. Free Credit Report If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website  or at their registered office. You will need the following documents to obtain the free credit report:
  • Card carrier that comes with your credit card
  • NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg

*Note: The free credit report is not available for renewed or replaced cards.

FAQs

Enjoy added protection and peace of mind when shopping online with your Visa Signature Credit Card.

    

Simply use your Visa Signature Card to pay for your online purchases where the shipping method can be tracked and be covered for possible losses.

    
Up to USD$200 per claim per annum for any of the following instances:

  • Non-delivery of purchased item after 30 days of scheduled delivery
  • Wrong or incomplete delivery of purchased item
  • Physical damage to the delivered item

Click here for FAQs. Please note cardholder must have copy of purchase receipt, shipment tracking number and other selected details to submit a claim.

  

For full details of your coverage or claims submission, visit AIG Cardholder Insurance Portal at www.aig.com/visa/apac

   

This information is made available by AIG and its local representatives who is the insurer under the Program and neither Standard Chartered Bank (Singapore) Limited nor Visa makes any representation or warranty about its completeness or accuracy. Please visit www.aig.com/visa/apac for full details of coverage terms, including disclaimers and exclusions, or contact AIG or its local representatives via email or phone number for any queries or information.

Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving www.sc.com/sg and entering a website operated by other parties:

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/sg

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Stand to win Porsche Taycan and get welcome offer of S$388 cashback Stand to win Porsche Taycan and get welcome offer of S$388 cashback