S$1 = 1.2 Miles

on Local Spend

S$1 = 2 Miles

on Overseas Spend

30,000 Air Miles

when you activate your X card within 30 days from approval date

All Details

• Key Features

  • Get 30,000 Air Miles when you activate your X card within 30 days from approval date. Annual fee of S$695.50 applies.

  • S$1 = 1.2 miles (or 1.2% cashback) for local spending

  • S$1 = 2 miles (or 2% cashback) for overseas spending

  • Enjoy 2 complimentary visits to Priority Pass lounges around the world each year

  • Get your digital credit card instantly upon approval when you apply via MyInfo

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Overseas Spending

• Offset your travel transactions with the 360° Rewards Points you've accumulated via the Standard Chartered mobile app or online banking site with travel credits

• Every 250 360° Rewards Points gives you S$1 worth of travel credits

• Qualifying transactions for travel credits redemption include: airlines, car rental agency, hotels, railways, cruises, boat rentals, travel agencies and operators, tourist attractions

• Use your 360°Rewards Points to redeem loyalty points from participating 2 hotel partners or air miles from 8 airline partners via transfer rewards under the SC EasyRewards programme

• Each hotel or airlines points transfer transaction request take 5 to 7 days to process, and is subject to a transfer fee of S$26.75

Air Miles

Excellent

• Every S$1 local spend gives you 3 360°Rewards Points, equivalent to 1.2 KrisFlyer Miles

• Every S$1 overseas spend in foreign currency gives you 5 360°Rewards Points, equivalent to 2 KrisFlyer Miles

• Transfer your points to mileage transfer partners such as Asia Miles or Singapore Airlines’ Krisflyer frequent flyer programme in blocks of 2,500 points each time. Subject to S$25 (excl. tax) transfer fee

Annual Interest Rate and Fees

Annual Principal Fee	S$695.50
Supplementary Annual Fee	S$107
Fee Waiver	Not Available
Interest Free Period	22 days
Annual Interest Rate	26.90%
Late Payment Fees	S$100
Minimum Monthly Repayment	S$50 OR 1% of principal / interest, fees & charges / overlimit amount / past due amount, whichever is higher
Foreign Currency Transaction Fee	3.50%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6%
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	S$80,000
Non-Singaporean Minimum Income	S$80,000

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Google Pay

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