Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

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Earn up to 10% Bonus Cashback
Introducing the Standard Chartered Smart Credit Card, your gateway to smart spending and rewarding perks! With this card, you can earn a whopping 10% cashback on selected merchants like McDonald's, Starbucks, Netflix, Disney+, Spotify and SimplyGo when you spend a min. of S$1,500 per month!
10% Bonus Cashback
on spends above S$1,500 on Bonus Categories
8% Bonus Cashback
on spends above S$800 on Bonus Categories
4% Bonus Cashback
on spends below S$400 on Bonus Categories
Apply and redeem any of these rewards
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 15 Jul 2025 - See more details below

Are you eligible?

    • Promotion is valid from 01-July-2025 to 15-July-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 15th August 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 (31 July 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

Quick Facts

Get the maximum value by

Spending a min. of S$1,500 on the 3 Bonus Category merchants

Good for

Combining your monthly lifestyle spending on Food, Streaming Services and Transport to earn an attractive high bonus cashback amount

Categories to maximise this card

Dining, Streaming & Transport

What people use it for

Daily purchases on food, or transportation using SimplyGo, or for your entertainment bills.

All Details

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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.

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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.

Standard Chartered Smart Credit Card Benefits 2025

Standard Chartered Singapore has been providing financial services to clients across various needs including personal, commercial, corporate, priority and private banking, for over 160 years in Singapore.

Standard Chartered Singapore has a selection of credit cards for you to choose from, and the Standard Chartered (SCB) Smart Credit Card is one of their best cards for cash back benefits. Plus, it’s undergoing some serious revamps to rival other cashback cards! Here are the pros, cons, and other relevant details to expect of the SCB Smart Credit Card before you decide.

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 credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up another credit card as currently reviewing own financial expenses. Good job, Guys!"

As seen on Google

Pros & Cons Of Standard Chartered Smart Credit Card

Pros ✅Cons ❌
Up to unlimited 10% cashback on 3 bonus categories: Smart Dining, Smart Streaming, and Smart TransportNeed min. S$800 monthly spend to earn 8% cashback
Until 31 Mar 2025, earn 4% bonus cashback even with less than $800 spendNeed min. S$1,500 monthly spend to earn max. 10% cashback
Up to 1% unlimited cashback on other eligible spendBonus 4% cashback reverts to base 0.5% cashback from 1 Apr 2025 onwards
No cap on 360° rewards points earned for all bonus and eligible spendFrom 8 Dec 2024, one-time processing fee will apply to instalment payments
Addition of more eligible bonus merchants like EV chargingStandardised effective interest rate (EIR) of 27.9% p.a.
Preferential cashback redemption rate of 3,200 360° Rewards Points = S$10 cashback
From 15 Jan 2025, enjoy new SmartDelay perk – only cashback card offering select complimentary airport lounge access during flight delays
Complimentary first-year annual fee waiver for new cardholders
Complimentary annual fee waiver for existing cardholders (until 6 Dec 2025)
Relatively low annual fee (S$99.19) compared to other credit cards (S$196.20)
Subsequent annual fee waiver available with min. S$10,000 spend per year
Up to US$200 complimentary eCommerce protection per claim per year
Up to S$500,000 complimentary travel insurance coverage when you charge full travel fare to card

Want to Learn More About the Standard Chartered Smart Credit Card?

Read Card Review

Comparison: SCB Smart Credit Card vs UOB One Card vs HSBC Live+ Card

Starting 6 Dec 2024, the Standard Chartered Smart Credit Card is transforming into a top contender among other cashback cards. It’ll offer up to 10% unlimited cashback across 3 enhanced bonus categories: Smart Dining, Smart Streaming, and Smart Transport – plus up to 1% cashback on all other eligible spend. As the cherry on top, there’s no cap on rewards points earned. Sounds promising, doesn’t it? Let’s compare it to two other cashback powerhouses, the UOB One Card and the HSBC Live+ Card.

Comparison: SCB Smart Credit Card vs UOB One Card vs HSBC Live+ Card

SCB Smart Credit CardUOB One CardHSBC Live+ Card
Interest rate: 27.9%
Interest rate: 27.8%Interest rate: 27.8%
Annual fee: $99.19 (First year waived)Annual fee: $196.20 (First year waived)Annual fee: $196.20 (First year waived)
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $90,000 for foreigners (w.e.f. 29 March 2025)
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $60,000 for foreigners
Minimum annual income:
  • $30,000 for Singaporeans and PRs
  • $40,000 for foreigners
  • Spend min. 1,500 per month to enjoy up to 10% unlimited cashback on 3 enhanced bonus categories: Smart Dining, Smart Streaming, and Smart Transport
  • Up to 1% cashback on all other eligible spend
  • No cap on 360° Rewards Points earned
  • Easily redeem 360° Rewards Points for cashback where 3,200 points = 10
  • Complimentary access to select airport lounges during flight delays with new SmartDelay card privilege
  • Complimentary first-year annual fee waiver
  • Up to 500,000 complimentary travel insurance coverage
  • Subsequent annual fee waived with min. 10,000 spend per year
  • Spend 2,000 to earn up to 20% cashback on select daily spend (for new-to-UOB cardmembers only)
  • Otherwise, existing cardmembers earn up to 10% cashback
  • Cashback is received in 50, 100, or 200 per quarter depending on min. spend
  • Up to 500,000 complimentary travel insurance coverage
  • Up to 24% fuel savings at Shell and SPC
  • Spend min. 600 per month to earn up to 8% cashback on dining, shopping, and entertainment
  • 5% cashback on petrol
  • 0.3% cashback on all other eligible spend
  • Up to 17% fuel savings & additional 5% cashback at Caltex and Shell
  • Complimentary e-commerce protection
  • Up to 1 million complimentary travel insurance coverage
  • Subsequent annual fees waived with min. 12,500 spend per year

From the table above, the SCB Smart Credit Card evidently offers more advantages over the other cards from 6 Dec 2024 onwards. First of all, it has a lower annual fee of S$99.19, compared to the typical S$196.20 of other credit cards, Additionally, new applicants can benefit from a first-year fee waiver, while existing cardholders are entitled to a complimentary fee waiver until 6 Dec 2025.

Furthermore, it offers more travel privileges than the average cashback card. Besides providing up to S$500,000 complimentary travel insurance coverage, it also offers a unique never-before-seen travel perk – the SmartDelay – starting 15 Jan 2025. This perk allows cardholders to enjoy complimentary access to select airport lounges worldwide in the event of flight delays.

Moreover, its 3 bonus categories – Smart Dining, Smart Streaming, and Smart Transport – have been expanded to include new merchants like:

Category Existing Merchants New Merchants
Smart Dining McDonald's, KFC, Burger King, Ya Kun Kaya Toast, Toast Box Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut, Domino's Pizza
Smart Streaming Netflix, Spotify, Youtube, Disney+ Amazon Prime, Viu, iQiyi, HBO GO
Smart Transport Bus and MRT via SimplyGo Electric Vehicle (EV) charging


Best of all, you can earn cashback to your heart’s content since there is no cap on 360° Rewards Points earned! The only catch is its above-average minimum monthly spend of S$1,500 to reach the maximum 10% cashback.

Can't Get Enough of Cashback?We've got more cards for you!

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Standard Chartered Smart Credit Card Requirements

Singapore Citizens/PRsForeigners/Expats
Age21 and above21 and above
IncomeS$30,000S$60,000
Documents requiredFor SingPass holders applying via MyInfo: N/A

For salaried employees:
  • A copy of NRIC/passport
  • Latest original computerised payslip or Income Tax Notice of Assessment or last 6 months' CPF statements
  • Last 2 years' Income Tax Notice of Assessment


For commission earner (any 1):
  • Latest 3 months’ payslip + Income Tax Notice of Assessment
  • Latest 6 months’ CPF statements
  • Latest 3 months’ payslip
  • A copy of 2 year’s Income Tax Notice of Assessment
  • A copy of passport and Employment Pass (with min. 6 months’ validity)
  • Any of the following documents listed here

How to Apply for Standard Chartered Smart Credit Card in Singapore?

Here are 3 simple steps to apply for the SCB Smart Credit Card:

Step 1

Apply via MoneySmart

Start your application by clicking the “Apply Now” button via MoneySmart.

Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.

Once successfully submitted, the approval-in-principle page should appear within a few minutes.

Step 2

Prepare 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:

  • NRIC or other identification details
  • Latest computerised payslip
  • Latest 6 months' CPF Contribution History Statement
  • Latest Income Tax Notice of Assessment (NOA)
Step 3

Receive your Standard Chartered Smart Credit Card

Activate your Standard Chartered Smart Credit Card through the SC Mobile Singapore App and create your 6-digit Unlock Code to secure your credit card transactions.

Frequently Asked Questions About SCB Smart Credit Card

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

The SCB Smart Credit Card doesn’t charge any cash advance fee. However, it does impose late payment, overlimit fee, interest on purchases, miles/points transfer fees, and 360° Rewards Points transfer fees.

Am I eligible for the Standard Chartered Smart Credit Card?

Yes. If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of S$30,000 (Singaporeans/PRs) or S$90,000 (Foreigners) (w.e.f. 29 March 2025), you’re eligible to apply for the SCB Smart Credit Card.

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

Late payment charge is S$100 and additional interest will be compounded on a daily basis at 27.9% p.a. EIR by Standard Chartered Bank at the point of your late payment.

What are the cashback benefits of the Standard Chartered Smart Credit Card?

Starting 6 Dec 2024, the benefits include:

  • Earn up to 10% unlimited cashback on 3 bonus categories – Smart Dining, Smart Streaming, and Smart Transport – with min. S$1,500 spend per month
  • Earn 1% cashback on all other eligible spend
  • Earn 4% bonus cashback even if you spend under S$800 per month, before it reverts to the base 0.5% cashback after 31 Mar 2025

How to pay the Standard Chartered Smart Credit Card bill?

From SCB current or savings account
  1. Log in to Standard Chartered Online Banking or Mobile Banking
  2. If on browser, select "Transfers & Payments" > "Pay SC Credit Cards"
    If on SC Mobile app, select "Pay & Transfer" > "Pay Credit Card"
  3. Select "SCB Smart Credit Card" and follow instructions to complete payment

From other bank accounts via Fast and Secure Transfers (FAST)
  1. Log into other bank’s online banking platform
  2. Select “Funds Transfer” > Add 16 digit SCB credit card number as a FAST payee
  3. Make payment to SCB Smart Credit Card by completing funds transfer

Is there any processing time for Standard Chartered credit card bill payments?

Standard Chartered credit card payments should have minimal downtime with no service charge.

How to waive Standard Chartered credit card annual fee?

The SCB Smart Credit Card offers a complimentary first year fee waiver. After that, annual fees can be waived with min. S$10,000 annual spend.

Alternatively, you can attempt requesting a fee waiver through SCB Mobile, SCB Online Banking, or calling their automated phone banking system:
  1. Call SCB’s Phone Banking hotline @ +65 6747 7000
  2. Press ‘2’ for Fee Waivers
  3. Press ‘1’ for Credit Card Annual Fee Waiver
  4. Enter 16-digit credit card number

Note: Annual fee waiver requests are subject to SCB’s approval.

How to redeem Standard Chartered Rewards Points?

Standard Chartered's 360° Rewards Points can be redeemed for air miles, e-vouchers, or cashback through their redemption portal.