Key Benefits of Purchase with Rewards

  • Flexibility

    You can choose any transaction for redemption.

  • Easy set-up

    You can use Purchase with Rewards easily through Online Banking or SC Mobile App anytime anywhere.

  • Instant redemption

    Your next purchase is automatically offset using reward points, in real time.

Redeem reward points for anything, wherever you want

Ways to Redeem

Purchase with Rewards

Your next purchase is automatically offset using reward points. Great for any purchase you want to make with your Credit Card.

How it works

In Card History Page, tap View My Rewards


Tap Purchase With Rewards

Step 3

Read T&Cs and Accept

Step 4

Select Credit Card for next Purchase

Step 5



Your next transaction on the selected Credit Card will be paid using the ‘360 Rewards’ points.
You will need to repeat these steps for subsequent ‘Purchase with Rewards’ transactions.

Or use Transfer Rewards

It is an easy way to transfer reward points to one of our partner loyalty programmes.

partner rewards logos

Partner Loyalty Programme Transfer Ratio (Reward points to partner points)
Aeromexico Club Premier 1 : 2
AirAsia BIG 1 : 2
AccorHotels ALL - Accor Live Limitless 1 : 1
Air France KLM Flying Blue 1 : 2
British Airways British Airways Executive Club 1 : 2
Marriott Marriott Bonvoy 1 : 3
Etihad Airways Etihad Guest 1 : 2
IHG® IHG® Rewards Club 1 : 3
Intermiles Intermiles 1 : 2

How it works


Tap Transfer Rewards


Use Slider to set Points to Transfer

Step 3

Enter Membership Details

Step 4

Key in OTP

Step 5




Can I choose how many reward points to offset for my next transaction with Purchase with Rewards?

The number of points redeemed will depend on the amount of your next transaction. If there are insufficient reward points to fully redeem the transaction, all points will be redeemed to partially offset the transaction.

How long will a Purchase with Rewards redemption take?

Redemption via Purchase with Rewards will be instantly processed after your card transaction. You will be notified through SMS upon successful redemption.

Will I be able to use the Purchase with Rewards feature for overseas or online transaction?

Yes, you can. Note that overseas or online transactions are subject to the same exchange rates as currency conversions on your credit card. The amount redeemed via Purchase with Rewards will be the authorised amount.

Is there a fee on converting rewards to partner points using Transfer Rewards?

No conversion fee will be applied for Transfer Rewards. 

How long will it take for the points to be converted with Transfer Rewards?

The transfer of your reward points to the selected partner points may take up to 5 working days.

Terms & Conditions

Purchase and Transfer with Rewards

Purchase and Transfer with Rewards (Click here)

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.