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A card that lets you hang loose with a cool $500 credit limit
1CashBack is awarded monthly and reflected on your monthly statements. CashBack is applicable only for retail spending and is not awarded on payment for annual fees, late fees and such other similar forms of payment. The Bank reserves the right to amend any terms of the CashBack, including its percentage, at its sole discretion without notice.
Cashback on all your spends
Earn 0.25% cashback1 on everything you spend. The more you spend, the more cashback you will receive.
For you, we’ve waived the $32.10 w/GST annual fee for the first year.
Eligibility & Documents
18 to 32 years old
Copy of NRIC/Passport
Copy of your Student ID (for applicants below 21 years old, pls provide with your parent’s or guardian’s signature)
Copy of your parent’s or guardian NRIC/Passport
18 to 32 years old
Minimum Annual Income
$18,000 and above
Copy of NRIC/Passport
For salaried (any of the following):
Latest month computerised payslip
Latest 6 months CPF Contribution History Statement
Latest Income Tax Notice of Assessment + latest month computerised payslip/6 months CPF contribution
Copy of latest income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
Latest 3 months payslip + Latest income tax notice of assessment
Latest 6 months CPF contribution history statement
Latest 3 months payslip
Copy of latest income tax notice of assessment ( For 100% commission earner)
Refer to application form for details
Fees & Charges
$32.10 including GST (waived for the first year)
Effective Interest Rate (“EIR”): 26.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.074% from the respective transaction dates for all transactions to the date the payment is received.
Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
Late Payment Charges
A late payment charge of S$80 will be charged if minimum payment due is not received by the due date. The EIR applicable on your credit card and funds transfer account(s) will be adjusted to 28% per annum if the minimum payment due is not received by the due date). If you have only missed one payment, it will be reinstated to the prevailing EIR once minimum payment due is made in full. If however your account has been twice or more past due on a consecutive basis, the EIR will only revert to 26.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.
For more details on all other applicable fees and charges, please click here.
As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here
If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000.
Free Credit Report
If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website or at their registered office. You will need the following documents to obtain the free credit report:
Card carrier that comes with your credit card.
Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Tel: +65 6565 6363 www.creditbureau.com.sg
*Note: The free credit report is not available for renewed or replaced cards.
Standard Chartered and Grab January to March 2019 Promotion