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  1. Credit Cards
  2. Rewards+ Credit Card

Rewards+ Credit Card

Get $200 cashback when you make 3 eligible transactions within 30 days of card approval

  • Apply Now

    Apply for Standard Chartered Rewards+ Credit Card

    Do you have a Standard Chartered online banking login?

Rewards+ Credit Card Benefits

  • rewards points on online shopping and online groceries10

  • rewards points on foreign current on overseas retail, dining and travel1

  • rewards points on dining transactions in SGD1

  • cashback when you sign up and make 3 eligible transactions.

Features

Instant Digital Credit Card

Apply for an Instant Digital Credit Card³ online using MyInfo. Read more

Cathay Cineplexes Privileges

Enjoy 1-for-1 Platinum Movie Suites Tickets with Cathay Cineplexes⁴. Read more

Complimentary travel medical insurance

Have a peace of mind when you travel with complimentary travel insurance coverage of up to S$500,000. Simply charge your full travel fare to your card before you go abroad. Terms and conditions apply.

Fund Transfers

Get cash instantly at 0% interest at a one-time processing fee with your Standard Chartered Credit Card. T&Cs apply. Read more
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Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$30,000

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of NRIC (front and back)
  • 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)

Refer to application form for details

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$60,000
  • 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

For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)
Fees and Charges
Annual Fees

S$192.60 including GST. This annual fee is waived off for the first two years.

Finance Charges

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.

Cash Advance

Your cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.082% 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 will be adjusted to 29.9% 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.

Foreign Currency spend is defined as non-SGD denominated transactions. For avoidance of doubt, when you are overseas and the retail merchant offers you a choice to pay either in the currency of the country you are visiting (i.e. AUD when you are in Australia) or SGD, choosing AUD would be deemed a Foreign Currency transaction and choosing SGD would be deemed a SGD transaction.

Qualifying Dining Transactions” are dining spends charged to the Rewards+ Card made at dining establishments in Singapore classified under the Merchant Category Codes (“MCC”) of:

Caterers
Restaurants and eating places;
Pubs & bars; or
Fast Food Restaurants.

For the avoidance of doubt, purchases from establishments including but not limited to local hotel restaurants (including wedding banquets), bakeries and supermarkets that are not classified under the MCCs stated above in Clauses 2(a)-(d) above will not be considered as Qualifying Dining Transactions.

Dining at hotels may or may not be considered as part of Qualifying Dining Transactions because it is dependent on the MCC category of the restaurants situated within the hotels. In general, hotels restaurants are typically categorised under the “Lodging” MCC. Given that “Lodging” MCC does not fall within the MCCs stated in Clauses 2(a)-(d), it will not be considered as an eligible Qualifying Dining Transactions. Therefore, only 1 Reward Point will be awarded for every S$1 charged to the Rewards+ Credit Card.

For each Qualifying Dining Transaction, you will receive 1 Reward Point plus up to 4 additional Rewards Points for every S$1 spent. The additional Rewards Points you may receive will be subjected to the Rewards+ Cap.

For each foreign currency transaction, you will receive 1 Reward Point plus up to 9 additional Rewards Points for every S$1 spent. The additional Rewards Points you may receive will be subjected to the Rewards+ Cap.

The transaction will be recognised as a foreign currency transaction so you will get to maximise the number of additional Reward Points you receive, i.e. 9 additional Rewards Points for every S$1 spent.

The Rewards+ cap of 20,000 Rewards Points is only applicable to the additional Rewards Points awarded on Qualifying Dining Transactions and foreign currency transactions.

a. additional four 360° Reward Points for every S$1 spent on Qualifying Dining Transactions; or

b. additional nine 360° Reward Points for every S$1 spent on foreign currency (spends that are not made in Singapore Dollars) on Qualifying Rewards+ Card Transactions.

The Rewards+ Cap of 20,000 Rewards Points applies to a full year from the approval date of your Rewards+ Card, and will be reset every anniversary of the approval date.

Yes. The Rewards+ Cap of 20,000 Rewards Points only applies to the additional Rewards Points awarded on Qualifying Dining Transactions and foreign currency transactions. Once you reach the cap, you may continue to earn 1 Reward Point per S$1 spent on the card.

Qualifying Rewards+ Card are retail transactions with the exceptions of excluded transactions. To view the excluded transactions, please visit https://www.sc.com/sg/rewardsplustncs

Yes, this is available to both main and supplementary Rewards+ cardholders.

You need to purchase your Cathay Cineplex Platinum Movie Suites Ticket over the counter and present your Rewards+ Credit Card for payment. Please note that this promotion is not valid for online purchase and is limited to up to 5 daily redemptions per cardholder.

Yes, each Rewards+ cardholder is limited to a maximum of 5 daily redemptions. Please note that this is subject to a maximum of 1,500 redemptions for the entire duration of the Rewards+ Cathay Movie Promotion.

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
  • NRIC

Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg

*Note: The free credit report is not available for renewed or replaced cards.

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