- Up to 30.7%
- Max. savings at Shell and SPC stations
- 23%
- Instant Discount at Shell and SPC
- S$1 = 1X Point
- For all local spend
- Up to 30.7% savings on petrol transactions at Shell and SPC
- 20% Cash Rebate on Zaobao and SPH newspaper subscriptions
- 12% Cash Rebate at Breadtalk and 10% Cash Rebate at Buzz, Dining, Department Stores and Online Purchases
- 5% Cash Rebate on spend in Mainland China
- 2x Reward Points for every S$1 spent overseas; 1x Reward Points for every S$1 spent locally
- Payment can be made in RMB and/or SGD with no currency exchange fees
- During application, please input "MS" under Promo code in your online application form
Best for: Petrol transactions at Shell & SPC
- Up to 30.7% savings at Shell Stations: 5% Shell site discount + 5% Shell Escape discount + 23% BOC card Cash Rebate
- Up to 30.7% savings at SPC Stations: 10% SPC&U member discount OR 5% Non-SPC member discount + 23% BOC card Cash Rebate
- During application, please input "MS" under Promo code in your online application form
Supports all major Department Stores in Singapore
- 10% Cash Rebate at Department Stores and Buzz
- Department Stores include BHG, Istean, John Little, Marks & Spencer, Metro, OG, Robinsons, Takashimaya and TANGS
- Exclusive offers at over 100 International Airport Duty Free Shops
- Up to 25% off at shopping merchants in major cities around the world
- During application, please input "MS" under Promo code in your online application form
Enjoy Cash Rebate on Newspaper subscription, Dining, Online Shopping, Retail Shopping spends and spends in Mainland China
- 20% Cash Rebate on Zaobao & SPH newspaper subscriptions
- 12% Cash Rebate at BreadTalk
- 10% Cash Rebate at Buzz, Dining, Department Stores and Online spend
- 5% Cash Rebate on spend in Mainland China
- Minimum spend: S$600 per month
- Cash Rebate cap at S$80 per month
- During application, please input "MS" under Promo code in your online application form
Supports all restaurants, cafes and fast food except spends in hotels
- 10% Cash Rebate on dining
- 12% Cash Rebate at BreadTalk
- During application, please input "MS" under Promo code in your online application form
Earn Reward points for all local and overseas spend
- 2x Reward Points for every S$1 spent overseas (excluding transactions in RMB)
- 1x Reward Points for every S$1 spent locally
- During application, please input "MS" under Promo code in your online application form
Earn savings on Newspaper subscription and movies
- Up to 20% cash rebate on Zaobao and SPH Newspaper subscription
- Enjoy 1-for-1 Movies & S$1 off Family Popcorn Combo at all Shaw Theatres in Singapore, valid till 31st July 2019
- During application, please input "MS" under Promo code in your online application form
- 10% Cash Rebate on Online Purchases (also in foreign currency)
- 5% Cash Rebate on spend in Mainland China
- 2x Reward Points for every S$1 spent overseas; 1x Reward Points for every S$1 spent locally
- Minimum spend of S$600/mo, Cap at S$80
- Payment can be made in RMB and/or SGD with no currency exchange fees (other currencies 2.5%)
- During application, please input "MS" under Promo code in your online application form
Supports all Online spends
- 10% Cash Rebate on online purchases
- During application, please input "MS" under Promo code in your online application form
| Annual Principal Fee | S$203 |
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| Supplementary Annual Fee | S$101.65 |
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| Fee Waiver | Available |
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| Interest Free Period | 23 days |
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| Annual Interest Rate | 28.88% |
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| Late Payment Fees | 5% or S$100, whichever is higher |
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| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
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| Foreign Currency Transaction Fee | 3.00% |
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| Foreign Check Fee | N/A |
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| Cash Advance Transaction Fee | 6% or S$20, whichever is higher |
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| Overlimit Fee | S$40 |
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| Singaporean Minimum Income | S$30,000 |
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| Non-Singaporean Minimum Income | S$60,000 |
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