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The more you spend on your Prudential Platinum Credit Card, the more you save on your insurance premiums.
Using your Prudential Platinum Credit Card
360° Rewards Points Earned
Purchase a dress
Dine at a restaurant
Buy a travel package
Purchase a phone
Total 360° Rewards Points earned
Redeem 3,000 points for premium redemption
Save on your next insurance premium
(3,000 points = $12 cash equivalent to pay your insurance premiums)
Actual payment of next insurance premium
$188 payable instead of $200 due to $12 offset
Fees & Charges
S$192.60 including GST. This annual fee is waived off for the first two years.
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is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.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.
Eligibility & Documents
21 to 65 years old
Minimum Annual Income
Singapore Citizens and Permanent Residents: S$30,000
Foreigners with Employment Passes: S$60,000
Employment Pass Holders
Foreigners must be holders of P1, P2 or Q type Singapore Employment Passes
Q Pass holders must have minimum one year validity remaining on their passes
You will need:
Copy of NRIC/Passport/Employment Pass (front and back)
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 2 year 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 2 year income tax notice of assessment ( For 100% commission earner)