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  1. Best SC Credit Cards in Singapore: Compare & Apply Online
  2. Smart Credit Card

Smart Credit Card

Get S$288 cashback when you apply and spend S$588 on your Card

From 6 December 2024, there will be changes to your Smart Credit Card

Read More

Benefits

  

GET S$288 WELCOME CASHBACK

From now till 31 March 2025, get S$288 cashback when you apply and spend S$588 within 30 days of card approval.

Exclusively for new to Standard Chartered Credit Card customers. T&Cs apply.

Refer

Refer and get up to S$130 cashback

Tell your friends there’s up to S$560 cashback and more rewards waiting for them.

Machine, Pump, Gas Station

GET UP TO 23.4% SAVINGS WITH CALTEX

Get up to 23.4% savings at Caltex. New Smart Credit Cardholders will receive $30 instant fuel discount voucher via Push Notification on your SC Mobile app.

Find out more.

Person, Human, Furniture

Smart Credit Card Funds Transfer Promotion

For Smart Credit Cardholders

Enjoy 0% interest for 3, 6, 9 or 12 months with processing fee from 1.80% (EIR from 4.86%) when you apply for a Credit Card Funds Transfer.

Click here to apply now.

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Million Reasons to be Happier

Shop and grow your wealth with us to unlock Surprise Treats and rev up your chances of winning our Grand Prize: the new all-electric Porsche Taycan.

Shop with Smart Credit Card and enjoy full benefits

  • Smart Shopping
    3-month interest-free

    Instalments with no processing fees

  • Earn
    6% cashback

    in equivalent Rewards Points on everyday merchants with no minimum spend

  • Get
    S$288 cashback

    with new card application

Terms and Conditions apply.

Zipper, Person, Human
SHOP WHAT YOU LOVE, SPLIT WHAT YOU PAY!

Split your purchases into interest-free instalments on the spot at selected partner merchants featured on SC Marketplace.

Smart Credit Card Features

Differentiated Finance Interest Rates

You will be charged an Effective Interest Rate (“EIR”) of 23.9%, 27.9% or 29.9% per annum (“p.a.”) based on the Bank’s assessment of your credit profile. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.065%, 0.076% or 0.082% from the respective transaction dates for all transactions to the date the payment is received. Your EIR is fixed at 27.9% prior to any rate review. Please refer here for Frequently Asked Questions.

EasyPay

Convert your retail transactions into interest-free instalments with no or low processing fees. T&Cs apply. Read more

Instant Digital Credit Card

Apply for an Instant Digital Credit Card³ online using MyInfo. Read more

Complimentary travel medical insurance

Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000. Simply charge your full travel fare to your card before you go abroad. This benefit will cease on 31 December 2024. Terms and conditions apply.
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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.

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

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.

Finance Charges

Effective Interest Rate (“EIR”): 23.9%, 27.9% or 29.9% per annum (“p.a.”) based on the Bank’s assessment of your credit profile. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.065%, 0.076% or 0.082% from the respective transaction dates for all transactions to the date the payment is received. The Bank will conduct two rate reviews in each calendar year on all Standard Chartered Smart Credit Card accounts and the first rate review will take place on 15 March of each calendar year and the second rate review will take place on 15 September of each calendar year. Each of such rate reviews shall be known as a “Rate Review”.

The EIR for all credit cards which are issued on a Standard Chartered Smart Credit Card account is fixed at 27.9% p.a. until the date on which the first Rate Review is conducted by the Bank on that particular account (inclusive of this date).

If there are any changes to the EIR for your Standard Chartered Smart Credit Card account after a Rate Review, you will be given 30 days’ advance notice before the new EIR is imposed. If the EIR for your Standard Chartered Smart Credit Card account remains the same after a Rate Review, the Bank will not provide you with any notification.

For the avoidance of doubt, the EIR for a Standard Chartered Smart Credit Card account will apply to all credit cards which are issued on that particular account including supplementary cards.

Note: From 6 December 2024, the EIR for a Standard Chartered Smart Credit Card account will be reverted to the base rate of 27.9% per annum.

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.

You earn one and six tenths (1.6) 360° Reward Points for every S$1 spent on Qualifying Smart Card Transactions with the Smart Card (or its equivalent for spends that are not made in Singapore Dollars, where relevant) which enables you to redeem for S$0.005 cashback (which is equivalent to 0.5% of every S$1 spent on Qualifying Smart Card Transactions with the Smart) regardless of whether such spends are made in Singapore Dollars or otherwise.

If a transaction is charged in local currency (i.e. Singapore Dollars) to a Smart Card and is a Qualifying Merchant Transaction, then for every S$1 spent on such a transaction, Smart Cardholders will be eligible to earn an additional seventeen and six tenths (17.6) 360° Reward Points which enables you to redeem for S$0.055 cashback (which is equivalent to 5.5% of every S$1 spent on Qualifying Merchant Transaction).

This is in addition to one and six tenths (1.6) 360° Reward Points for every S$1 spent on Qualifying Smart Card Transactions with the Smart Card.

There is a cap of 14,400 360° Reward Points on the Additional 360° Reward Points awarded under this Smart Rewards Promotion per month. This Smart Cap only applies to the Additional 360° Reward Points. For the avoidance of doubt, the Smart Cap does not apply to the one and six tenths (1.6) 360° Reward Point which the Smart Cardholder is entitled to for every S$1 spent (in local/foreign currency) spent with the Smart Card under this Smart Rewards Promotion.

There is no minimum spend required.

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.

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.

Click here for more details.
For details, please click here.
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Person, Human, Dating

Smart Credit Card Member-Get-Member Promotion

Be rewarded with cashback when you successfully refer your friend to apply for a Smart Credit Card

Person, Cross, Symbol

FOR SMART CREDIT CARDHOLDERS

Get interest-free cash with Credit Card Funds Transfer / Balance Transfer

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