Best Standard Chartered Credit Cards in Singapore
Interested in Standard Chartered credit cards in Singapore? See all your options and find the best one for you.
Deciding on the best credit card for your financial situation can be a daunting feat if you don’t know where to start. First, there are interest rates to consider. You don’t want to pay more than you have to, after all.
But, the interest rates don’t always matter as much if the credit card offers other benefits. But then you’re still left with deciding which card is best for your financial situation.
That’s why we’ve compiled this list of the Standard Chartered credit cards available in Singapore. We’ve also added some comparisons so you can see how other credit cards stack up to these options. Hopefully, these options will help you decide the best fit.
Keep reading to learn more.
Best Standard Chartered Credit Cards
Depending on how you use your credit card will also depend on which credit card is right for your wallet. Standard Chartered credit cards are designed for users of various niche spending. Take a look at these options.
Standard Chartered Platinum Visa OR Mastercard
Standard Chartered Platinum Visa/Mastercard Card
Whether you prefer to carry a Visa or Mastercard, Standard Chartered has you covered. This card rewards you for having a Standard Chartered priority banking relationship. That is deposits, investments, home loans, and other transactions.
The minimum required spend is only $250 to receive bonus points based on other features like opening an account or making a fixed deposit. You’ll get 50 points each for either of these transactions. Receive 100 points for investing with Standard Chartered.
You can use your reward points in the Standard Chartered rewards catalogue to redeem for vouchers and airline miles.
Standard Chartered Unlimited Cashback Mastercard
Standard Chartered Unlimited Cashback Card
Standard Chartered Unlimited Cash Back
The Unlimited Cashback credit card from Standard Chartered is one of the latest cards to launch in Singapore. With an unlimited flat rate of 1.5% cashback on all your retail spends. The card also comes with a petrol discount of up to 19.7% at Caltex and the card doubles up as an EZ-Link card. The credit card comes with a fairly standard annual fee of S$192.60 and 2 years fee waiver.
Pro’s of Standard Chartered Unlimited Cash Back Card:
- Great card, If you have an unpredictable spending pattern, as users can earn unlimited cash back on all transactions of 1.5%.
- Great for people whose lifestyle or Job require them to move around the city frequently (EZ-Link & petrol discounts).
- With Unlimited cashback users who spend over S$2k a month will greatly benefit, as most other rebate cards have cash back caps per month.
Con’s of Standard Chartered Unlimited Cash Back Card:
- People who consistently spend on a particular category i.e. Dining could benefit from higher cashback rates with other cards, typically 4-8% cash rebate.
Maybe the best Standard Chartered credit card in Singapore is the Unlimited Cashback Mastercard. It’s just like it sounds with 1.5% unlimited cashback on all purchases. There is no cap and no minimum spend.
You must earn at least $30,000 annually to qualify for this card. The interest rate is variable at 26.9% annually with an annual fee of $192.50. The annual fee is waived for the first three years from account opening.
Standard Chartered Rewards+ Card
Standard Chartered Rewards Plus Credit Card
Standard Chartered Rewards+ Credit Card
If you’re looking for a modern rewards credit cards, that fits with your daily spending habits, then the new Standard Chartered Rewards+ credit card is perfect for you! With 10X rewards points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions. What’s more, you can earn up to 5X rewards points for every S$1 spent on dining transactions. All of this is with No minimum spend required, that’s right!
Pro’s Standard Chartered Rewards+ Card:
- Enjoy up to 19.7% savings on your monthly fuel purchase.
- Enjoy up to 15% cashback (capped at $30 a month) with Grab rides at home and abroad.
- Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee.
Con’s Standard Chartered Rewards+ Card:
- Earn just 1 rewards point for every S$1 spent, on all eligible spend. However, you do get to enjoy No minimum spend required, which is standard across this amazing card.
- The additional reward points you receive on dining and international spends is capped at 20,000 points a year.
Let’s face it, most of us love to travel. Singapore is beautiful but we also want to see the world. And we need a credit card that rewards us for that.
Welcome Standard Chartered credit card with airline rewards and other perks. You’ll earn 2.9 miles for every one dollar spent while travelling and on foreign currency. Earn 1.45 miles on every dollar spent on local dining.
One of the best things about this card is that there is no minimum spending requirement. However, your bonus points will be capped at 20,000 per year so it might benefit you to use another card if you’re maxed out on points.
You must earn a minimum of $30,000 annually to qualify for this card. The interest rate is variable at 26.9% annually with an annual fee of $192.60. The annual fee is waived for the first two years upon opening your card.
Standard Chartered Spree Visa Card
Standard Chartered SingPost Spree Credit Card
Standard Chartered Spree Card
The standard chartered Spree card is the updated SingPost card offered by Standard Chartered. The Spree card comes fully loaded with cashback rewards for the cardholder that spends online. With 3% cashback on all online transactions in foreign currency and vPost transactions and 2% rebate on local spend. Whats more the Spree Credit Card comes with a monthly cashback cap of S$60, with no minimum spend, which is much higher than other cards in Singapore.
Pro’s Standard Chartered Spree Card:
- 3% cashback on all foreign currency transactions and vPost transactions.
- 2% cashback on all local online spends, including transactions, made using mobile wallets and/or contactless transactions.
- 1% cashback on all retail spends.
Con’s Standard Chartered Spree Card:
- AXS, ATM, tax payments and top-up or payment of funds to any prepaid cards transactions using the SingPost Spree Card are not eligible for cashback.
- Although this card offers one of the highest cashback caps of S$60 a month, we would prefer to see unlimited cashback (just call us picky).
If you’re looking for a card with no minimum spend requirement and great rewards, it’s right here! The Standard Chartered Spree Visa card offers 2% cash back on all offline payments with no contact. Plus, you’ll earn 1% cash back on everything else.
Another key feature of this card is the 3% cash back for online spend with foreign currency. It’s important to keep in mind that the cap for cash back is limited to $60.
The interest rate for this card is comparable to most at 26.9% variable annually. You must earn at least $30,000 per year to qualify. The annual fee of $192.50 is waived for the first two years upon opening your card.
Standard Chartered Visa Infinite Card
If you spend at least $2,000 per month on credit cards and love to travel, the Standard Chartered Visa Infinite Card is worth a look. You’ll earn 1.4 miles for every dollar spent locally and 3 miles when you’re overseas. Not to mention the 35,000 bonus miles you’ll get just for signing up.
This card is full of other travel perks. You’ll have free travel insurance, 1 free 4-hour yacht hire, and 6 airport lounge access options each Year. Plus, Hertz Asia and Golfing, Dining, and Hotel Privileges.
Standard Chartered Manhattan Mastercard for Students
Students need a credit card, too! That’s why Standard Chartered created the Standard Chartered Manhattan credit card with a $500 spending limit. The annual fee is low at only $32.10 per year and it is waived for the first year.
The card is not limited to students either. Adults making at least $18,000 per year can also qualify.
The best benefit of this card is the 15% cash back on Grab rides up to $30 per month. You must spend at least $900 per month to activate this offer. Otherwise, you’ll earn an unlimited 0.25% rebate on all of your spend with no minimum spending requirement.
Standard Chartered PruPrestige Visa Signature Card
The Standard Chartered PruPrestige Visa Signature Card is offered by invite only. It is available for use on insurance premiums. Other details of this card are only offered to those that qualify by invite.
Benefits of Standard Charter Credit Cards
Of course, just having a Standard Chartered credit card in your wallet offers a few other perks that you might find useful.
Earn up to 21% in fuel savings at Caltex when you use your Standard Chartered credit card at the pump and depending on your monthly spend on your credit card. You can also bank on 15% savings on Grab rides up to $30 with most cards offered by Standard Chartered.
Standard Charter Credit Cards vs Other Credit Cards in Singapore
It’s always a good idea to compare the cards you’re shopping for against other cards on the market to see what really matters most to you and your budget. One card may offer a better interest rate, but remember that it’s also worth considering the rewards and how they add up to save you more money in the long term.
Let’s take a look at the most common cards that compare to Standard Chartered’s options.
OCBC Titanium Rewards Mastercard
The OCBC Titanium Rewards Mastercard is best compared to the Standard Chartered SingPost Spree Visa Card. Cardholders earn 4 miles for every one dollar spent on electronics and fashion as well as online with retailers like Amazon. Ultimately, you’ll earn rewards offline, online, locally, and while you’re travelling overseas.
The Standard Chartered SingPost Spree Visa card is considered the better card if you do most of your spending overseas. The Titanium Mastercard is a better option for more flexible spending.
American Express True Cashback Card
The American Express True Cashback Card is best compared to the Standard Chartered Unlimited Cashback Mastercard. Cardholders earn a flat 1.5% cash back with no minimum spending limit. The bonus with this card is 3% cash back for the first six months when you open a new account.
OCBC Voyage Visa Card
The OCBC Voyage Visa card is best compared to the Standard Chartered Visa Infinite Card. This card pays 2.3 miles for every dollar spent overseas and 1.2 miles for local spending. You can also earn 1.6 miles on local dining.
The best part about this card is that there are absolutely no blackout dates to redeem your miles. There are also no transfer fees associated with this card.
Maybank FC Barcelona Visa Signature Card
The Maybank FC Barcelona Visa Signature Card is bests compared to the Standard Chartered Unlimited Cashback Mastercard. If you spend locally more than anywhere else, this is an excellent card choice while you earn unlimited 1.6% cash back. If you spend overseas, you’ll earn 0.8 miles for every dollar spent.
The Unlimited Cashback Mastercard is better for overseas spenders.
Citi Prestige Mastercard
The Citi Prestige Mastercard is best compared to the Standard Chartered Visa Infinite card. With this card, you’ll earn 1.3 miles for every one dollar spent and 2 miles when you’re travelling overseas. Plus, you’ll earn 25,000 renewal miles annually and up to a 30% bonus based on your relationship with Citi.
This card also allows unlimited airline lounge access and airport limo transfers. And, you’ll love the golfing privileges.
Now that you have some details about Standard Chartered credit cards, you can make a sound financial decision about which one is right for you. Be careful opening too many cards at once to avoid a drop in your credit score. The best option is to find one card and maximize its benefits.
If you have questions about any of these cards, feel free to contact us. We are here to provide you with updated comparisons any time you’re ready to open a new credit card.