Standard Chartered Rewards+ Credit Card

Standard Chartered Rewards+ Credit Card

Earn up to 10X Rewards Points
S$1 = 10X Points
Overseas Spending Rewards
S$0
Min. Spend per month
3.50%
Foreign Transaction Fee
MoneySmart Exclusive

Get S$230 Cash via PayNow or 2,990 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
 
[SCB Pinball Sure Win Promotion]
Apply for an eligible SCB Card and unlock sure-win prizes like a Paris Getaway for Two (flights, hotels and iconic experiences), Samsonite luggage, FairPrice/ Klook vouchers, and more worth S$12,000 or more! T&Cs apply.

Valid until 22 Jun 2025 - See more details below

Are you eligible?

    • Promotion is valid from 01-June-2025 to 22-June-2025

    • Applicable for New-to card holders only

    • Customers need to apply through MoneySmart to be eligible

    • Spend a minimum of S$800 in eligible transactions (on either the physical or digital version of the Credit Card) within 30 days from the Credit Card’s approval date

    • Log into your MoneySmart account and submit your claim by 22nd July 2025

What you need to know

  1. Use 2,990 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want! 

  2. SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. 

  3. Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (30 June 2025). 

  4. [SCB Pinball Sure Win Promotion]
    Eligible Customer must register for the Promotion during the Promotion Period, by clicking on the ‘Register Now’ button found in a Push Notification summarising the details of the Promotion

  5. [SCB Pinball Sure Win Promotion]
    Eligible Customer will earn 1x game turn when they apply for a SCB Credit Card

  6. [SCB Pinball Sure Win Promotion]
    Eligible Customer will earn up to 1x game turn for every local currency spend in a single transaction, or 2x game turns for every foreign currency spend in a single transaction

  7. [SCB Pinball Sure Win Promotion]
    Eligible Customer can earn additional game turns when they meet the relevant criteria set out in the T&Cs here.

  8. MoneySmart exclusive rewards do not stack with external or third-party promotions unless otherwise stated. See T&Cs for details.

T&Cs
FAQ
Claim Form

All Details

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Oui Could Be Bringing You and a Friend to Paris 🇨🇵🥐

Register for Standard Chartered’s Pinball Sure-Win Promotion via the SC Mobile App, spend with your Standard Chartered Credit Card, and stand to win exclusive prizes—including a Paris getaway for two, Samsonite luggage, and vouchers from Klook, Fairprice etc.

Giveaway ends 31 July 2025.

Customer Reviews on MoneySmart Credit Card Applications

⭐⭐⭐⭐⭐

Review by TJ. Hoo


"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications."

As seen on Google

⭐⭐⭐⭐⭐

Review by D. Ng


"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."

As seen on Google

⭐⭐⭐⭐⭐

Review by A. Koh


"Great experience by signing up for a credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up for another credit card as I am currently reviewing my own financial expenses. Good job, guys!"

As seen on Google

Standard Chartered Rewards+ Credit Card Benefits

Standard Chartered Bank (SCB) Singapore, a subsidiary of the globally established Standard Chartered Group, has been serving Singapore’s financial needs encompassing personal, commercial, corporate, priority, and private banking for over 160 years.

Among its suite of offerings, the Standard Chartered Rewards+ Credit Card is a top-tier rewards card under SCB’s 360º Rewards Programme, ideal for earning valuable rewards on everyday spend like dining, retail shopping, and travel in both local and foreign currency. Its convenience is best demonstrated through its no minimum spend requirement, flexible redemption options, and complimentary travel perks.

Thus, before taking the leap of faith to get SCB Rewards+ Credit Card, let's delve into the prerequisites, advantages, disadvantages, and other key considerations when applying for this credit card.

Pros & Cons of SCB Rewards+ Credit Card

Pros ✅

  • Flexibility to earn and redeem SCB 360º rewards points for cash, e-vouchers, or convert points to air miles
  • Up to 10X rewards points on eligible overseas retail, dining, and travel spend in foreign currency
  • Up to 5X rewards points on eligible local dining transactions in SGD
  • 1X rewards points on all other eligible spend
  • No minimum spend required
  • Complimentary first-year annual fee waiver available
  • No annual fee for supplementary cards
  • 360° Rewards Points awarded are valid for 3 years from the date of opening of the credit card account
  • Up to S$500,000 complimentary travel insurance coverage when you charge full travel fare to card
  • Exclusive access to card offers, discounts, and privileges at over 3,000 eligible merchants in Asia via The Good Life® Programme
  • Up to US$200 complimentary e-Commerce protection per year when you shop online
  • Earn bonus rewards points/interest on IRAS, Education, Insurance, Rental payment via SC EasyBill

Cons ❌

  • Bonus 360º rewards points capped at 20,000 points per year
  • Interest rate of 27.9% p.a., which is the standard rate of most credit cards (as per MoneySmart's Credit Cards comparison tool)
  • Not as useful if you don’t dine, shop, or travel regularly overseas or in foreign currency
  • Not foreigner friendly; high minimum annual income of $90,000 for foreigners

Find out more about the SCB Rewards+ Credit Card here!

Comparison: SCB Rewards+ Card vs UOB Lady’s Card vs Citi Rewards Card

The Standard Chartered Rewards+ Credit Card is just one of the many credit cards offering attractive rewards that you can convert to either cash or air miles or other forms of benefits. If you’ve looked through our rewards credit card offerings, you’d notice that comparable options like the UOB Lady’s Card and Citi Rewards Card exist too.

Comparing credit cards can be overwhelming, so let’s unpack the key factors surrounding them including the air miles benefits, interest rates, annual fees, minimum annual income requirements, and more.

Feature SCB Rewards+ UOB Lady’s Card Citi Rewards
Interest rate 27.9% p.a. 27.8% p.a. 27.9% p.a.
Annual fee $196.20 (First year waived) $196.20 (First year waived) $196.20 (First year waived)
Min. annual income (Singaporeans/PRs) $30,000 $30,000 $30,000
Min. annual income (Foreigners) $90,000 $40,000 $42,000
Rewards benefits
  • 10X rewards points on eligible retail, dining, and travel either overseas or in foreign currency
  • 5X rewards points on eligible local dining spend
  • 1X rewards points on all other spend
  • No minimum spend required
  • Up to S$500,000 complimentary travel insurance coverage
  • Complimentary US$200 e-commerce protection per year
  • Exclusive access to over 3,000 dining, shopping, travel, and lifestyle deals via The Good Life Programme
  • Up to 10X UNI$ per $5 spend (4 mpd) on one enrolled category
  • Additional 15X UNI$ per $5 spend (6 mpd) with UOB Lady’s Savings Account
  • 1X UNI$ per $5 spend (0.4 mpd) on all other spend
  • No minimum spend required
  • Complimentary e-commerce protection for online purchases
  • 10X rewards points on online grocery, food delivery, ride-hailing, and more
  • 10X rewards points on online & in-store retail shopping
  • 1X rewards points on all other spend
  • No minimum spend
  • Up to S$1 million travel insurance (with full travel fare charged)
  • Flexible redemption via Citi ThankYou Rewards

A benefit of the SCB Rewards+ Card is the absence of a minimum spend requirement, encouraging cardholders to earn rewards effortlessly. This is coupled with its generous merchant category eligibility—offering 10X rewards points on eligible retail, dining, and travel transactions spent overseas or at least, in foreign currency. It even offers up to S$500,000 complimentary travel insurance when you charge your travel fare to it, increasing its viability as a reliable travel credit card. Meanwhile, 5X rewards points apply to eligible local dining transactions spent in SGD.

The SCB Rewards+ Card’s bonus 10X earn rate is on par with Citi Rewards’ 10X rewards points and the UOB Lady’s Card’s 10X UNI$ per $5 spend—both equivalent to 4 miles per dollar (mpd) on eligible online transactions and enrolled category, respectively. In that sense, the SCB Rewards+ Card offers broader earning potential with fewer merchant restrictions, awarding 10X points on eligible overseas retail, travel, and dining worldwide.

Notably, the SCB Rewards+ Card’s interest rate is also similar to the Citi Reward Card, standing slightly higher at 27.9% p.a. as compared to the UOB Lady’s Card.

That said, there are several downsides to this card. For one, it’s less accessible to foreigners, with a steep minimum annual income requirement of $90,000. Plus, if you don’t travel (or at least shop on overseas sites) regularly enough, its foreign currency bonus earn rate will be underutilised.

Essentially, it’s less rewarding for everyday local spenders and is just going to collect dust in your wallet indefinitely

How to Apply for the SCB Rewards+ Credit Card?

Here are 3 simple steps to apply for the SCB Rewards+ Card:

Step 1

Apply for the SCB Rewards+ Card via MoneySmart


Begin applying for the SCB Rewards+ Card by clicking on the “Apply Now” button on this page.

When you choose to apply online or through the SC Mobile Singapore app and via SingPass MyInfo, SCB will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.

Step 2

Provide all required documents


You'll need to provide all the necessary documentation in order for Standard Chartered to approve your credit card application. This list of documents include:

For salaried employees
  • Copy of NRIC (front & back)
  • Latest computerised payslip, or
  • Latest 6 months’ CPF Contribution History Statement, or
  • Latest Income Tax Notice of Assessment (NOA) (optional unless applying for higher loan amount)

  • For self-employed
  • Copy of NRIC (front & back)
  • Copy of 2 years’ Income Tax NOA

  • For commission earners: Any one below
  • Latest 3 months’ payslip + latest Income Tax NOA
  • Latest 6 months’ CPF Contribution History Statement
  • Latest 3 months’ payslip
  • Copy of 2 years’ Income Tax NOA
  • Step 3

    Receive your SCB Rewards+ Card


    Once you've downloaded the SC Mobile Singapore App, you'll enjoy immediate access to activate your SCB Rewards+ Credit Card through the app and start redeeming rewards conveniently.

    Follow these instructions:
  • Navigate to “Help & Services” located in the Service tab (bottom right corner) > Select “View All”
  • Select “Credit Card Activation & PIN Set” > Choose SCB Rewards+ Card > Input new PIN
  • Enter OTP sent to mobile number via SMS > Complete activation process
  • Frequently Asked Questions About SCB Rewards+ Credit Card

    Are there any fees if I apply for the Standard Chartered Rewards+ Credit Card?

    The Standard Chartered Rewards+ Credit Card charges an annual fee of $196.20 (first year waived), as well as cash withdrawal fees or cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.

    Am I eligible for the Standard Chartered Rewards+ Credit Card?

    If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the Standard Chartered Rewards+ Credit Card, as long as you’re aged between 21 to 65, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $90,000 (for foreigners) (w.e.f. 29 March 2025).

    If I’m late for my monthly Standard Chartered Rewards+ Credit Card bill payment, how much do I have to pay?

    Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Standard Chartered Bank at the point of your late payment.

    How to redeem Standard Chartered credit card 360º Rewards Points?

    Standard Chartered’s 360º rewards points can be redeemed for e-vouchers, converted into miles or cash, and transferred to family members or friends* via their 360º rewards redemption platform.

    To start redeem your SCB rewards points, refer to this guide for your preferred rewards redemption.

    *Not valid for non-Visa Infinite cards to Visa Infinite cards

    Does Standard Chartered have debit cards?

    Yes, Standard Chartered offers debit cards such as the EliteFly debit card and Business debit card.