Smart Credit Card
Get S$288 cashback when you activate and spend S$388 on your Smart Credit Card. T&Cs apply.
Get S$288 cashback when you activate and spend S$388 on your Smart Credit Card. T&Cs apply.
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 and get up to S$130 cashback
Tell your friends there’s up to S$560 cashback and more rewards waiting for them.
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.
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.
Instalments with no processing fees
in equivalent Rewards Points on everyday merchants with no minimum spend
with new card application
Differentiated Finance Interest Rates
EasyPay
Instant Digital Credit Card
Complimentary travel medical insurance
No fees
SC EasyBill
0% Interest Instalment Plan
Temporary Credit Limit Increase
Credit Card Payments
Live The Good Life® every day
Mobile Payments
Tap-and-Pay Payment
CardSafe Guarantee^
Credit Card Credit Limit Review
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:
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.
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.
No documents are required
Refer to application form for details
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.
No documents are required
To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
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.
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 fee is waived for Smart Credit Cardholders.
A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.
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.
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.
