Disclaimer

This 3rd Party Website will be entirely at your own risk, and subject to the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.

Standard Chartered Bank (Singapore) Limited makes no warranties, representations or undertakings about and does not endorse, recommend or approve the contents of the 3rd Party Website.

In addition to the terms stated in Standard Chartered Bank (Singapore) Limited's Important Legal Notices, Standard Chartered Bank (Singapore) Limited shall have no responsibility or liability in connection with the content of or the consequences of accessing the 3rd Party Website, including any virus arising from or system failure associated with the 3rd Party Website.

In the event of any inconsistency between the terms herein / the Bank's Important Legal Notices and the terms on the 3rd Party Website, the terms herein / the Bank's Important Legal Notices will prevail.

By clicking "Proceed", you will be confirming that you have read and agreed to the terms herein and in the Bank's Important Legal Notices.


Proceed

Upsize your rewards. Upsize your adventures.

Contact Us Contact Us
Rewards+ Credit Card

Upsize your rewards. Upsize your adventures.

Upsize your rewards. Upsize your adventures.

Apply now and get 6 months of Disney+ subscription3 when you successfully activate your card

Upsize your rewards. Upsize your adventures with Rewards+ Credit Card.

Rewards plus credit card product description sg banner x
EXCLUSIVE TO NEW CREDIT CARDHOLDERS  

Apply now and get up to S$80 cashback3.

Terms and Conditions apply.

1Credit Card Sign Up Terms and Conditions apply

Exclusive Privileges

Fees & Charges

DETAILS
CHARGES
Annual Fees S$192.60 including GST. This annual fee is waived off for the first two years.
Finance Charges Effective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.074% from the respective transaction dates for all transactions to the date the payment is received.
Cash Advance Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
Late Payment Charges A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 26.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.
For more details on all other applicable fees and charges,  please click here.

Eligibility & Documents

Eligibility

  • Age
    • 21 to 65 years old
  • Minimum Annual Income
    • Singapore Citizens and Permanent Residents: S$30,000
    • Foreigners with Employment Passes: S$60,000
  • Employment Pass Holders
    • Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
    • Q Pass holders must have minimum one year validity remaining on their passes
    • Employment Pass must have at least 6 months’ validity

Document Requirements

  • You will need:
    • Copy of NRIC (front and back) for Singaporean Citizens & PR
    • Copy of Passport and Employment Pass (with at least 6 months’ validity) for Foreigners
  • For salaried (any of the following):
    • Latest month computerised payslip
    • Latest 6 months CPF Contribution History Statement
    • Latest Income Tax Notice of Assessment + latest month computerised payslip/6 months CPF contribution
  • 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

FAQs

  • Foreign Currency spend is defined as non-SGD denominated transactions. For avoidance of doubt, when you are overseas and the retail merchant offers you a choice to pay either in the currency of the country you are visiting (i.e. AUD when you are in Australia) or SGD, choosing AUD would be deemed a Foreign Currency transaction and choosing SGD would be deemed a SGD transaction.

  • “Qualifying Dining Transactions” are dining spends charged to the Rewards+ Card made at dining establishments in Singapore classified under the Merchant Category Codes (“MCC”) of:

    1. Caterers
    2. Restaurants and eating places;
    3. Pubs & bars; or
    4. Fast Food Restaurants.

    For the avoidance of doubt, purchases from establishments including but not limited to local hotel restaurants (including wedding banquets), bakeries and supermarkets that are not classified under the MCCs stated above in Clauses 2(a)-(d) above will not be considered as Qualifying Dining Transactions.

  • Dining at hotels may or may not be considered as part of Qualifying Dining Transactions because it is dependent on the MCC category of the restaurants situated within the hotels. In general, hotels restaurants are typically categorised under the “Lodging” MCC. Given that “Lodging” MCC does not fall within the MCCs stated in Clauses 2(a)-(d), it will not be considered as an eligible Qualifying Dining Transactions. Therefore, only 1 Reward Point will be awarded for every S$1 charged to the Rewards+ Credit Card.

  • For each Qualifying Dining Transaction, you will receive 1 Reward Point plus up to 4 additional Rewards Points for every S$1 spent. The additional Rewards Points you may receive will be subjected to the Rewards+ Cap.

  • For each foreign currency transaction, you will receive 1 Reward Point plus up to 9 additional Rewards Points for every S$1 spent. The additional Rewards Points you may receive will be subjected to the Rewards+ Cap.

  • The transaction will be recognised as a foreign currency transaction so you will get to maximise the number of additional Reward Points you receive, i.e. 9 additional Rewards Points for every S$1 spent.

  • The Rewards+ cap of 20,000 Rewards Points is only applicable to the additional Rewards Points awarded on Qualifying Dining Transactions and foreign currency transactions.

    a. additional four 360° Reward Points for every S$1 spent on Qualifying Dining Transactions; or

    b. additional nine 360° Reward Points for every S$1 spent on foreign currency (spends that are not made in Singapore Dollars) on Qualifying Rewards+ Card Transactions.

  • The Rewards+ Cap of 20,000 Rewards Points applies to a full year from the approval date of your Rewards+ Card, and will be reset every anniversary of the approval date.

  • Yes. The Rewards+ Cap of 20,000 Rewards Points only applies to the additional Rewards Points awarded on Qualifying Dining Transactions and foreign currency transactions. Once you reach the cap, you may continue to earn 1 Reward Point per S$1 spent on the card.

  • Qualifying Rewards+ Card are retail transactions with the exceptions of excluded transactions. To view the excluded transactions, please visit http://www.sc.com/sg/rewardsplustncs

  • Yes, this is available to both main and supplementary Rewards+ cardholders.

  • You need to purchase your Cathay Cineplex Platinum Movie Suites Ticket over the counter and present your Rewards+ Credit Card for payment. Please note that this promotion is not valid for online purchase and is limited to up to 5 daily redemptions per cardholder.

  • Yes, each Rewards+ cardholder is limited to a maximum of 5 daily redemptions. Please note that this is subject to a maximum of 1,500 redemptions for the entire duration of the Rewards+ Cathay Movie Promotion.

Terms & Conditions

  • To qualify for the Standard Chartered Credit Card Sign-Up Promotion (“Promotion”) available from 8 September 2021 to 30 November 2021 (both dates inclusive) (the “Promotion Period”), you must (a) apply for one of the Eligible Cards (as defined below) issued by Standard Chartered Bank (Singapore) Limited (“Bank”) within the Promotion Period; (b) your Eligible Card application must be approved by the Bank within 14 calendar days after the Promotion Period, where such approval is final and unconditional; and (c) activate the physical version of the Eligible Card within the first 30 days from card approval date. If you are a new Standard Chartered principal cardholder (i.e. you must not have any existing or previously cancelled Standard Chartered credit cards in the last 12 months) and you satisfy all the relevant eligibility criteria in the Promotion Terms and Conditions, you will be eligible to receive one Disney+ promotion redemption code for a subscription period of 6 months (“New Cardholder Promo Code”). If you have at least one (1) existing principal credit card with the Bank at the point of approval of your Eligible Card application or previously cancelled credit card(s) with the Bank in the last 12 months from the date the Eligible Card is approved, and you apply for at least one (1) Eligible Card via any of the Bank’s offline channels (i.e. the Bank’s branches, roadshows, relationship managers and/or over a telesales phone call with the Bank’s representative), and satisfy all the relevant eligibility criteria in the Promotion Terms and Conditions, you will be eligible to receive one Disney+ promotion redemption code for a subscription period of 3 months (“Existing Cardholder Promo Code”). Each of the New Cardholder Promo Code and the Existing Cardholder Promo Code shall be referred to as the “Promo Code”. If you are eligible for a Promo Code, an e-mail will be sent by the Bank to you within 60 working days of the date of activation of the physical version of your Eligible Card. The Promo Code is only applicable for one-time usage, and must be redeemed within 3 months of receiving the e-mail containing the code. A Cardholder can only receive a maximum of one Promo Code under this Promotion. “Eligible Card” refers to Unlimited Cashback Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard® Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card, Prudential Visa Signature Credit Card and Priority Banking Visa Infinite Credit Card. Visit sc.com/sg/signup-tnc for details and the full Standard Chartered Credit Card Sign-Up Promotion Terms and Conditions that apply.
  • To be eligible for Credit Cards Sign-Up Promotion (“Promotion”) available from 1 January 2020 to 30 November 2020 (both dates inclusive) (the “Promotion Period”), you must (a) apply for one of the Eligible Cards (as defined below) issued by Standard Chartered Bank (Singapore) Limited (“Bank”); (b) be a new to Standard Chartered principal cardholder (i.e. do not have any existing/previously cancelled principal credit cards in the last 12 months with the Bank); and (c) activate the physical version of the Eligible Card within the first 30 days of card approval. If you satisfy all the eligibility criteria (a) to (c) above, you will be eligible to receive S$80 cashback (“New CC Cashback”), subject to the Current and Previous Cashback Cap as defined in the full terms and conditions for this Promotion. If you are an existing to Standard Chartered principal cardholder and you satisfy all the eligibility criteria, you will be eligible to receive up to S$20 cashback (“Existing CC Cashback”); subject to the Current Cashback Cap and Previous Cashback Cap. The New CC Cashback and Existing CC Cashback under this Promotion will be credited to your principal Eligible Card account within 30 working days of the date of activation of your Eligible Card. Visit sc.com/sg/signup-tnc for details and the full Credit Cards Sign-Up Promotion Terms and Conditions that apply. “Eligible Card” refers to Unlimited Cashback Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard® Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card, Prudential Visa Signature Credit Card and Priority Banking Visa Infinite Credit Card.

Important Documents

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
  • Important Information Document 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.