Disclaimer

This is to inform that by clicking on the hyperlink, you will be leaving sc.com/sg and entering a website operated by other parties.

Such links are only provided on our website for the convenience of the Client and Standard Chartered Bank does not control or endorse such websites, and is not responsible for their contents.

The use of such website is also subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail.

Thank you for visiting www.sc.com/sg


Proceed

How would you like to apply?

I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

*SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

*Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

I am an existing Standard Chartered Current/Checking/Savings Account holder

    How would you like to apply?

    I am NOT an existing Standard Chartered Current/Checking/Savings Account holder

    *SingPass holders with a MyInfo profile can use MyInfo to automatically fill up the form. By clicking “Next”, you will be re-directed to the MyInfo portal, which is not owned or controlled by Standard Chartered Bank (Singapore) Limited or any member of the Standard Chartered Group (the “Bank”). The Bank bears no liability or responsibility over your usage of the MyInfo portal.

    *Please note that MyInfo is temporarily unavailable at the stipulated downtimes:

    Mon, Tues, Thurs, Fri, Sat:  5:00AM to 5:30AM. Wed: 2:00AM to 6:00AM. Sun: 2:00AM to 8:30AM

    I am an existing Standard Chartered Current/Checking/Savings Account holder

      Smart Credit Card for Online Shopping
      1. Credit Cards | Types & Application
      2. Smart Credit Card for Shopping

      Smart Credit Card

      Get S$300 cashback when you activate your Smart Credit Card. No minimum spend required. T&Cs apply.

      A must-have shopping credit card

      The smarter way to shop, earn rewards, cashback and say goodbye to fees!

      Welcome Offer

      Get S$300 cashback when you activate when you activate your card within 30 days of card approval. Terms and Conditions apply.

      Shop with Smart Credit Card and enjoy full benefits

      • Smart Shopping
        3-month interest-free

        Instalments with no processing fees

      • Earn
        6% cashback

        in equivalent Rewards Points on everyday merchants with no minimum spend

      • Enjoy
        S$0 fees

        On annual fee and cash withdrawal

      • Get up to
        S$300 cashback

        upon activation. No minimum spend required. T&Cs apply.

      Terms and Conditions apply.

      Zipper, Person, Human

      Smart Credit Card Features

      Differentiated Finance Interest Rates

      You will be charged an Effective Interest Rate (“EIR”) of 23.9%, 26.9% or 29.9% per annum (“p.a.”) based on the Bank’s assessment of your credit profile. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.065, 0.074% or 0.082% from the respective transaction dates for all transactions to the date the payment is received. Your EIR is fixed at 26.9% prior to any rate review. Please refer here for Frequently Asked Questions.

      EasyPay

      Convert your retail transactions above S$200 into 3, 6, 9 or 12 months interest-free with a one-time service fee. For Smart Credit Card, get 100% cashback on the one-time service fee for 3 months EasyPay Instalment Plan. T&Cs apply. Read more on how to convert.

      Instant Digital Credit Card

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

      Enjoy added protection and peace of mind when shopping online with your Visa Signature Credit Card.

          

      Simply use your Visa Signature Card to pay for your online purchases where the shipping method can be tracked and be covered for possible losses.

          
      Up to USD$200 per claim per annum for any of the following instances:

      • Non-delivery of purchased item after 30 days of scheduled delivery
      • Wrong or incomplete delivery of purchased item
      • Physical damage to the delivered item

      Click here for FAQs. Please note cardholder must have copy of purchase receipt, shipment tracking number and other selected details to submit a claim.

        

      For full details of your coverage or claims submission, visit AIG Cardholder Insurance Portal at www.aig.com/visa/apac

         

      This information is made available by AIG and its local representatives who is the insurer under the Program and neither Standard Chartered Bank (Singapore) Limited nor Visa makes any representation or warranty about its completeness or accuracy. Please visit www.aig.com/visa/apac for full details of coverage terms, including disclaimers and exclusions, or contact AIG or its local representatives via email or phone number for any queries or information.

      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 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
      • Must hold a Singapore Employment Pass

      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 (with at least 6 months’ validity)
      • 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

      This annual fee is perpetually waived off.

      Finance Charges

      Effective Interest Rate (“EIR”): 23.9%, 26.9% or 29.9% per annum (“p.a.”) based on the Bank’s assessment of your credit profile. If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.065%, 0.074% or 0.082% from the respective transaction dates for all transactions to the date the payment is received. The Bank will conduct two rate reviews in each calendar year on all Standard Chartered Smart Credit Card accounts and the first rate review will take place on 15 March of each calendar year and the second rate review will take place on 15 September of each calendar year. Each of such rate reviews shall be known as a “Rate Review”.

      The EIR for all credit cards which are issued on a Standard Chartered Smart Credit Card account is fixed at 26.9% p.a. until the date on which the first Rate Review is conducted by the Bank on that particular account (inclusive of this date).

      If there are any changes to the EIR for your Standard Chartered Smart Credit Card account after a Rate Review, you will be given 30 days’ advance notice before the new EIR is imposed. If the EIR for your Standard Chartered Smart Credit Card account remains the same after a Rate Review, the Bank will not provide you with any notification.

      For the avoidance of doubt, the EIR for a Standard Chartered Smart Credit Card account will apply to all credit cards which are issued on that particular account including supplementary cards.

      Cash Advance

      Cash advance fee is waived for Smart Credit Cardholders.

      Late Payment Charges

      A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.

      For more details on all other applicable fees and charges,  please click here.

      You earn one and six tenths (1.6) 360° Reward Points for every S$1 spent on Qualifying Smart Card Transactions with the Smart Card (or its equivalent for spends that are not made in Singapore Dollars, where relevant) which enables you to redeem for S$0.005 cashback (which is equivalent to 0.5% of every S$1 spent on Qualifying Smart Card Transactions with the Smart) regardless of whether such spends are made in Singapore Dollars or otherwise.

      If a transaction is charged in local currency (i.e. Singapore Dollars) to a Smart Card and is a Qualifying Merchant Transaction, then for every S$1 spent on such a transaction, Smart Cardholders will be eligible to earn an additional seventeen and six tenths (17.6) 360° Reward Points which enables you to redeem for S$0.055 cashback (which is equivalent to 5.5% of every S$1 spent on Qualifying Merchant Transaction).

      This is in addition to one and six tenths (1.6) 360° Reward Points for every S$1 spent on Qualifying Smart Card Transactions with the Smart Card.

      There is a cap of 14,400 360° Reward Points on the Additional 360° Reward Points awarded under this Smart Rewards Promotion per month. This Smart Cap only applies to the Additional 360° Reward Points. For the avoidance of doubt, the Smart Cap does not apply to the one and six tenths (1.6) 360° Reward Point which the Smart Cardholder is entitled to for every S$1 spent (in local/foreign currency) spent with the Smart Card under this Smart Rewards Promotion.

      There is no minimum spend required.

      You can redeem the cashback via our Online Rewards Page.Cashback can be redeemed in blocks of S$10. Every 3,200 360° Reward Points entitles you to a S$10 cashback for your Smart Credit Card.

      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.

      BACK TO TOP
      Person, Human, Dating
      Person, Human, Clothing