Standard Chartered Rewards+ Credit Card
Standard Chartered Rewards+ Credit Card
- S$1 = 10X Points
- Overseas Spending Rewards
- S$0
- Min. Spend per month
- 3.50%
- Foreign Transaction Fee
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.
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
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!
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.
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).
[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[SCB Pinball Sure Win Promotion]
Eligible Customer will earn 1x game turn when they apply for a SCB Credit Card[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[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.MoneySmart exclusive rewards do not stack with external or third-party promotions unless otherwise stated. See T&Cs for details.
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 🇨🇵🥐
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."
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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."
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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!"
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Standard Chartered Rewards+ Credit Card Benefits
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
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 |
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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:
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.
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
For self-employed
For commission earners: Any one below
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:
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.