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Compare the Best Credit Card that Suits your Lifestyle

Limited Time Offer

Simply Cash Credit Card

Simply Cash Credit Card

1.5% Cashback

on all spends

Up to 24.47%

Upfront discount on Caltex fuel

Benefits

  • Receive S$30 Caltex vouchers, 6 x S$5 off each fuel purchase
  • Convert your transactions into interest-free instalments with EasyPay
  • Exciting shopping and lifestyle benefits with The GoodLife

Eligibility Criteria

Annual income S$30K for SG/PR and S$60K

Annual Fees

S$196.20 (first year waived off)

Promotions

Earn up to S$400 welcome bonus (8% cashback on all spends) in the first 2 months

Limited Time Offer

Smart Credit Card

Smart Credit Card

Up to 6% Cashback

on everyday merchants with no minimum spend

S$0 Annual fee

and S$0 fee on cash withdrawal

Benefits

  • Receive S$30 Caltex vouchers, 6 x S$5 off each fuel purchase
  • Complimentary travel insurance coverage up to S$500K
  • 3-month interest-free instalments with no processing fees

Eligibility Criteria

Annual income S$30K for SG/PR and S$60K for foreigners

Annual Fees

Waived perpetually

Promotions

Get S$288 cashback when you apply and spend S$588 within the first month of card approval

Journey Credit Card

Journey Credit Card

3 miles per S$1

on rides, food deliveries and groceries

2 miles per S$1

on all overseas spend with no cap

Benefits

  • 2 complimentary Priority Pass lounge visits worldwide
  • Complimentary travel insurance coverage up to S$500K
  • Rewards points do not expire
  • 45% off MSIG TravelEasy Insurance

Eligibility Criteria

Annual income S$30K for SG/PR and S$60K for foreigners

Annual Fees

S$196.20(optional waiver for first year)

Promotions

Get up to 45,000 welcome miles when you spend S$3,000 within 2 months of card approval.

Visa Infinite Credit Card

Visa Infinite Credit Card

3 miles per S$1

on overseas spend (min $2K spend)

6 Airport Lounge visits

complimentary Priority Pass worldwide

Benefits

  • 1.4 miles per S$1 on local spend with min. S$2K spend in a statement cycle
  • Earn Rewards Points for payment of your income tax
  • Receive S$30 Caltex vouchers, 6 x S$5 off each fuel purchase
  • Rewards points do not expire
  • Up to S$1M complimentary travel insurance coverage

Eligibility Criteria

For Priority/ Private Banking customers: Annual income S$30K for SG/PR and S$60K for foreigners. For all other customers: Annual income S$150K for SG/PR and foreigners

Annual Fees

S$599.50 (non-waivable)

Promotions

Get 35,000 welcome miles. Annual fee of S$599.50 (non-waivable) applies.

 

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Recommended Cashback and Miles Credit Cards

Explore our wide range of credit cards, from cashback to miles, travel and shopping options, each credit card carefully designed to complement the unique lifestyle of every cardholder.

To simplify your card selection, we’ve provided a guide to assist you in finding the ideal Standard Chartered Credit Card for your lifestyle.

STANDARD CHARTERED CREDIT CARD
BEST FOR
REWARDS / PERKS
Simply Cash Credit Card Limitless cashback with no cap & no minimum spend Get cashback of 1.5% and up to 24.5% savings at Caltex
Smart Credit Card Extended interest-free credit period
Smarter way to shop, earn rewards, cashback and say goodbye to fees		 S$0 fee on annual and cash withdrawal
Earn 6% cashback in equivalent rewards points on everyday merchants with no minimum spend Enjoy 3 months interest free instalments with no processing fees.
Journey Credit Card Highest rewards on travel Earn 3 miles per S$1 for online transactions: transportation, grocery and food delivery merchants.
Visa Infinite Credit Card Paying your taxes and earn rewards points Earn 360o Rewards Points when you charge your income tax to this card.

Enjoy 6 complimentary visits to Priority Pass lounges worldwide.

Factors to consider when applying for a Credit Card

Credit Card rewards

Research into the reward program offered by the credit card you are applying for. Different cards offer different reward programs tailored to specific categories such as cashback for dining, groceries or petrol and points redemption for travel or merchandise.

Credit limit

The credit limit is the maximum amount you can charge to your credit card. The credit limit is based on factors such as age, income and credit history. You should be mindful of the credit limit amount and your credit utilisation rate.

Minimum payment

This is the minimum monthly payment amount required. You must pay this minimum payment amount by the due date to avoid late fees and other penalties. Be mindful that paying only the minimum amount can lead to compounded interest charges on the remaining unpaid amount, and a longer time to pay off your total credit card balance.

Annual fees and other charges

There are fees charged for credit cards and this includes annual fees, late payment fees, foreign transaction fees and cash advance fees. It is imperative to be aware of these charges.
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Other Credit Cards

To apply for an Standard Chartered Credit Card online, follow these easy steps.

  1. Select the “Apply Now” option for the credit card of your choice.
  2. Apply for a Standard Chartered credit card using SingPass’ MyInfo.
  3. Alternatively, fill in the required personal information and submit/upload the relevant documents, such as a copy of your NRIC, payslips and latest CPF statements
  4. Wait for the application to be reviewed and this will be approved instantly.

The application eligibility criteria for credit cards vary  and require a minimum annual income of S$30,000 for Singaporeans/PR and S$60,000 for foreigners.

Applications via SingPass’ MyInfo should receive instant digital approval.
As for manual applications, please allow at least 14 working days for processing. Any application that has incomplete information and/or missing required documents will result in a processing delay.
All credit card applications are subject to approval by the bank.

A digital credit card is a virtual representation of a credit card that allows the cardholder to use it for transactions upon successful activation, without the need for a physical card.
Cardholders will still receive the physical credit card within 5-7 working days and cardholders are required to activate their physical credit card before use. Once the physical credit card is activated, the Digital Credit Card will no longer be available for use.

Redemption of Standard Chartered Credit Card reward points is easy and seamless.
Standard Chartered credit card cardholders can conveniently redeem their credit card reward points on the enhanced 360° Rewards Redemption platform.

Yes. Note that credit card applications are subject to approval by the bank.

The application eligibility criteria for foreigners require a minimum annual income of S$60,000.

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