Best Standard Chartered Credit Cards Singapore
Compare the best Standard Chartered Singapore credit cards for cashback, dining, air miles, and shopping here.
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FEATURED OFFERS
We found 7 Standard Chartered credit cards for you!
1.5% Unlimited Cashback
APPLY NOW for Standard Chartered Simply Cash Credit Card
on Standard Chartered's secure site
Up to 30k Miles Offer
APPLY NOW for Standard Chartered Journey Credit Card (Annual Fee Payable)
on Standard Chartered's secure site
Annual Fee Waived
APPLY NOW for Standard Chartered Journey Credit Card (No Annual Fee)
on Standard Chartered's secure site
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SINGLE APPLICATION JOURNEY
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APPLY NOW for Standard Chartered Simply Cash + Credit Card Funds Transfer
on Standard Chartered's secure site
Earn up to 10% Bonus Cashback
Earn up to 10X Rewards Points
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Why Choose Standard Chartered Credit Cards in Singapore 2026?
Looking for a credit card that balances everyday usability, rewards, and trustworthiness? Standard Chartered offers a well-rounded portfolio of cards that cater to cashback lovers, frequent travellers, and savvy spenders. As a MAS-regulated bank with strong digital banking services and global perks, SCB cards are designed to fit a wide range of lifestyles. From the popular SCB Smart Credit Card to the no-frills SCB Simply Cash Card–each card is meant to reward your lifestyle.
So if you're eyeing the best Standard Chartered credit card or simply browsing our latest SCB credit card promotions, we've got you covered with everything from fee waivers to money-saving deals and perks.
So if you're eyeing the best Standard Chartered credit card or simply browsing our latest SCB credit card promotions, we've got you covered with everything from fee waivers to money-saving deals and perks.
Key Highlights of Standard Chartered Credit Cards
Explore the Best Standard Chartered Credit Cards in Singapore by comparing their card benefits below!
Note: Most MoneySmart Exclusive promos are for new-to-bank applicants only, unless stated otherwise.
| Credit Card | Best for | Card Benefits | Minimum Spend | Cashback/Miles/Points Cap | Annual Fee | MoneySmart Exclusive |
|---|---|---|---|---|---|---|
| SCB Simply Cash Card | Fuss-free spending | 1.5% unlimited cashback on all eligible spend, boosted to 2% unlimited cashback when you spend at least $800 eligible spend per month. | None | No cap | $196.20 (First year waived) |
Get $350 cash or 4,000 SmartPoints when you apply and spend a minimum of $800 in eligible transactions within 30 days of card approval. Valid till 19 Feb 2026. |
| SCB Journey Card | Air miles |
3 miles per $1 (mpd) on select local online transactions 2 mpd on eligible overseas spend 1.2 mpd on eligible local spend Rewards Points don’t expire 2 complimentary Priority Pass airport lounge visits per year Up to $500,000 travel insurance Flexibility to redeem rewards for cashback, miles, or vouchers |
None |
3 mpd rate capped at $1,000/month No cap on 2 mpd and 1.2 mpd |
$196.20 (First year waived with “FEE WAIVED” option) |
Get $180 cash or 2,800 SmartPoints plus up to 30,000 bonus miles from Standard Chartered when you spend a minimum of $800 within 60 days of card approval. Valid till 19 Feb 2026. |
| StanChart Beyond Card | Luxury and reward earnings |
100,000 miles welcome offer Up to 8 mpd for Priority Private clients on eligible overseas dining Unlimited airport lounge visits for principal members Complimentary airport limousine rides Complimentary upgrades to business class with the purchase of two business and two premium economy tickets |
100,000 miles welcome offer 60,000 miles by paying the annual fee Bonus 40,000 miles for hitting the $20,000 spend within 3 months of card approval Otherwise, there is no minimum spend requirement |
No cap | $1,500 (No waiver available) |
N/A |
Note: Most MoneySmart Exclusive promos are for new-to-bank applicants only, unless stated otherwise.
Best Standard Chartered Credit Cards in Singapore (By Category)
Still uncertain which Standard Chartered card fits your lifestyle? Here’s a quick way to browse all active SCB credit cards in Singapore, grouped by category. Whether you’re after cashback, miles, lifestyle perks, or premium benefits, there’s a card for you.
🪙 Cashback Credit Cards
Standard Chartered Simply Cash Credit Card
Standard Chartered Smart Credit Card
✈️ Miles Credit Cards
Standard Chartered Journey Credit Card
Standard Chartered Visa Infinite Credit Card
🎁 Rewards & Lifestyle Credit Cards
Standard Chartered Rewards+ Credit Card
- Note: Rewards+ points capped at 20,000 points per year.
Honourable mention: Standard Chartered Simply Cash Card
🌟 Lifestyle Perks
The Good Life
Enjoy exclusive dining, retail, and wellness deals with Standard Chartered's partner merchants all across Asia.SmartDelay
Introduced as Standard Chartered's newest travel perk, enjoy free airport lounge access if your flight is delayed by 2+ hours under the SCB Smart Credit Card.Complimentary travel insurance
Enjoy free travel insurance coverage when you charge your travel fare to SCB credit cards like SCB Journey and SCB Visa Infinite. The extent of coverage amount varies with SCB card.
Eligibility & How to Apply for Standard Chartered Credit Cards?
Before you hit “Apply Now,” make sure you meet the eligibility criteria and have the right documents ready. Possible eligibility requirements includes minimum annual income (e.g. ≥ $30,000), age validity (≥ 21 years old), and relevant supporting documents if not applying directly with Myinfo using SingPass. Plus, new-to-Standard Chartered cardholders will also be entitled to exclusive welcome gifts and bonus offerings—usually by adhering to a minimum spending criteria within the initial months (e.g. $500 spend within 30 days of card approval).
Ready to start applying for your Standard Chartered credit card? Here’s what you need to know.
Ready to start applying for your Standard Chartered credit card? Here’s what you need to know.
Eligibility criteria
| Credit card | Minimum age | Minimum annual income (Singaporean/PR) | Minimum annual income (Foreigner) |
|---|---|---|---|
| SCB Simply Cash Credit Card | 21 years old | $30,000/year | $90,000/year |
| SCB Journey Credit Card | 21 years old | $30,000/year | $90,000/year |
| SCB Smart Credit Card | 21 years old | $30,000/year | $90,000/year |
| SCB Rewards+ Credit Card | 21 years old | $30,000/year | $90,000/year |
| SCB Visa Infinite Credit Card | 21 years old | $150,000/year for all regular SCB banking customers | |
Step 1
Apply for SCB credit card via MoneySmart
To apply for a Standard Chartered credit card, navigate to your preferred card listing (on this page).
Click on the “Apply Now” button > Input email address and click “Continue with email” > Fill up application details using Myinfo on SingPass
Step 2
Prepare required documents
If you’re not relying on SingPass and are filling up application details manually instead, here are some possible documents required:
For commission-earners and foreigners, please refer to SCB’s official website for more details.
Step 3
Wait for card approval
Standard Chartered will review and assess the eligibility of your SCB card application.
In most cases, instant digital approval is usually possible with applications via SingPass (and all supporting documents provided, if necessary). Otherwise, approval can take between anywhere between 1 to 14 working days, depending on the nature of the application.
Step 4
Receive & activate credit card
Activate your virtual SCB credit card instantly via the SC Mobile Singapore app under the "Help & Services" tab.
Navigate to “Credit Card Activation & PIN Set” > Select your SCB credit card > Set new PIN for card > Enter OTP to registered number > Done!
Remember to add it to your mobile wallets (i.e. Apple Pay, Google Pay, Samsung Pay, Fitbit Pay) for convenient access.
Alternatively, you can wait to receive your physical SCB Card in the mail before formally activating it via the SC Mobile Singapore app.
Step 5
Troubleshooting & support
If you experience instant denial or technical problems, check the troubleshooting tips and reach out to Standard Chartered support for help.
Additionally, remember to enable security feature precautions such as:
How to Earn SmartPoints and Redeem Complimentary Vouchers?
Bring home the bigger fits you want and need with SmartPoints. When you apply for select Standard Chartered credit cards through MoneySmart, earn SmartPoints to redeem for the rewards you truly want on our Rewards Store–from Dyson appliances to the latest Apple and Sony gadgets, Amazon vouchers, and more, you'll be spoilt for choice!
Each Standard Chartered credit card also comes with its own set of perks, ranging from bonus cashback at select merchants to exclusive travel and shopping rewards. Strategically selecting a card that aligns seamlessly with your spending patterns and timing your purchases with limited-time promos is key to unlocking optimal benefits by boosting your rewards.
So if you're looking to maximise your SCB credit card benefits, here's how to make every spend count.
Each Standard Chartered credit card also comes with its own set of perks, ranging from bonus cashback at select merchants to exclusive travel and shopping rewards. Strategically selecting a card that aligns seamlessly with your spending patterns and timing your purchases with limited-time promos is key to unlocking optimal benefits by boosting your rewards.
So if you're looking to maximise your SCB credit card benefits, here's how to make every spend count.
#1: Apply for financial products
Compare and apply for financial products to earn a massive amount of SmartPoints—as much as 5,100! Currently, you can earn SmartPoints on selected Citibank, Standard Chartered, OCBC, and HSBC credit cards, with more products to be included soon.
#2: Top-up your SmartPoints for bigger gifts
Not enough SmartPoints to redeem a specific reward? Don’t fret! Simply purchase additional SmartPoints from our store, and you’ll be able to redeem any reward you want.
Imagine this: you earn 5,040 SmartPoints by signing up for a financial product. Now, an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) might set you back over $500 elsewhere. But with your SmartPoints, you only need to add 1,100 SmartPoints more. So, it’s like getting a sleek new iPad for just $110. Who doesn’t love a good deal?
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
Standard Chartered Credit Card Reviews & User Ratings
You’ve just seen how Standard Chartered’s cards compare on features, fees, and perks. Here, you’ll get real user feedback and MoneySmart’s expert take on each SCB credit card in Singapore — including who each card works best for and what stands out (or not) this year.
👉 Overall, users praise SCB cards for their consistent cashback, miles, and digital convenience, though annual fees and minimum spend requirements are points to watch.
❌ Common compliants include:Rewards+ annual fee reinstates after one-year waiver.
SCB Smart Credit Card's high minimum monthly spend to unlock 10% cashback.
Standard Chartered's customer service response times can be inconsistent and lacking.
SCB Visa Infinite Card's minimum $150,000 annual income for regular SCB banking customers is steep.
👉 Overall, users praise SCB cards for their consistent cashback, miles, and digital convenience, though annual fees and minimum spend requirements are points to watch.
❌ Common compliants include:
⭐⭐⭐⭐⭐
SCB Simply Cash Card
Straightforward cashback card that becomes especially rewarding after hitting the S$800 monthly spend for the 2% rate.
Great for everyday use and big-ticket items.
⭐⭐⭐⭐
SCB Journey Card
Praised for having no annual fee, lounge passes, and easy mile-earning on everyday categories.
Best for beginners in the miles game.
⭐⭐⭐⭐
SCB Smart Credit Card
Popular among younger spenders for high cashback on dining and entertainment when meeting the spend requirement.
Downsides include the relatively high monthly minimum spend.
⭐⭐⭐⭐
SCB Rewards+ Credit Card
Good for frequent overseas shoppers and foodies, thanks to 10X points on foreign currency spend and 5X on dining.
The main drawback is the capped points and the annual fee after year one.
⭐⭐⭐
SCB Visa Infinite Credit Card
Premium perks such as 6 lounge visits, travel insurance, and tax payment miles appeal to affluent travellers. However, the steep $150,000 annual income requirement makes it less accessible.
Swipe Smart, Earn Smarter
Standard Chartered credit card promotions await you here. Compare your best MoneySmart Exclusive sign-up reward options with us now!
Explore Other Standard Chartered Products
Standard Chartered has been part of Singapore’s banking landscape since 1859, serving customers and earning its place as one of the country’s most trusted financial institutions for over 160 years. Besides its long standing reputation, Singapore also houses its regional leadership hub—home to global business leadership, technology operations, and SC Ventures (SCB’s innovation arm). Standard Chartered was also the co-creator of Trust Bank, in partnership with FairPrice Group.
Beyond perks from The Good Life programme across dining, retail, and travel merchants, Standard Chartered offers a broad suite of banking and wealth solutions too. So after applying for your preferred Standard Chartered credit card, check out these other Standard Chartered products too:
Beyond perks from The Good Life programme across dining, retail, and travel merchants, Standard Chartered offers a broad suite of banking and wealth solutions too. So after applying for your preferred Standard Chartered credit card, check out these other Standard Chartered products too:
FAQs About Standard Chartered Credit Cards
How do I pay my Standard Chartered credit card bill?
- You can pay your Standard Chartered credit card bills via Standard Chartered online banking or mobile banking app if you are an SCB banking customer.
From SCB ibanking/mobile app
Log in to your SCB ibanking or mobile app > Select “Pay SC Credit Cards” > Follow on-screen instructions to complete payment
From other banks
If you’re paying from other banks such as DBS, POSB, Maybank2u, you can pay your SC credit card bills via ibanking or the mobile apps as well.
Under “Payments and Transfers” > Select “Pay Other Credit Cards” > Follow on-screen instructions to complete payment Can I apply for a credit card without a SCB bank account?
- Yes, you can apply for a Standard Chartered credit card even if you do not have an existing SCB bank account. You will be able to pay your credit card bills from your current bank account via your bank’s ibanking, mobile app, or FAST transfers.
How can I redeem my Standard Chartered reward points in Singapore?
- Via Online Banking
Log into SCB Online Banking > Go to SCB 360° Rewards portal > Go to “Rewards Catalogue” to view redemption options > Select desired rewards > Proceed to checkout to complete redemption
Via SC Mobile
Log into SC mobile app > Go to “Credit Card Rewards” to view points and available redemption options > Select desired rewards > Proceed to checkout to complete redemption How long will my Standard Chartered credit card application take?
- Applications via SingPass Myinfo should be instantly approved digitally.
Whereas for manual applications, processing could take at least 14 days. Applications with incomplete or missing documents will result in further processing delay.
All SCB credit card applications are subject to approval by the bank. How do I cancel my Standard Chartered credit card?
- To request for an SCB credit card cancellation, follow these steps:
- Navigate to the Services tab > Go to “Help & Services” > Select “View All”
- Under Card Management > Select “Credit Card Cancellation” > Select reason for cancelling such as “I seldom use my credit card” or “I’ve too many cards” > Select card(s) to cancel
- Review details and submit request. A confirmation email and SMS will be sent upon completion and follow-up actions will take within 3 working days
Is there a cap on the miles I can earn with the Standard Chartered Beyond Card?
- No. The Standard Chartered Beyond Card offers unlimited miles earning potential. Whether you spend locally, overseas, or on dining, there’s no cap on the miles you can accumulate, making it ideal for high-spending individuals who want to maximise rewards without worrying about limits.
Do Rewards+ points expire?
- Yes, Rewards+ points are capped at 20,000 points per year, expiring if unused within the rewards programme’s terms.
Which airline programmes can I transfer miles to?
- You can transfer your Standard Chartered rewards points for KrisFlyer miles, Asia Miles, and other leading frequent flyer partners. A transfer fee applies (typically $26.75 per transfer) when converting SCB 360º Rewards Points into miles.
Can I get my Standard Chartered credit card annual fee waived?
- Yes, most Standard Chartered credit cards waive the first year; with exceptions to the rule where SCB Smart Credit Card waives with S$10,000 annual spend. Meanwhile, the SCB Visa Infinite Card strictly does not waive annual fees.
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MoneySmart is Singapore’s most trusted personal finance platform, known for delivering accurate, unbiased, and transparent financial advice. Backed by over a decade of experience, our team of experts rigorously research and review financial products everything from credit cards to personal loans to insurance—we empower you to make confident, well-informed money decisions.