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Get up to S$220 cashback when you spend S$200. T&Cs apply.

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Welcome to the Spree Credit Card

Get up to S$220 cashback when you spend S$200. T&Cs apply.

3% cashback

Earn 3% cashback¹ on all online spend in foreign currency and all vPost spend.
From 1 January to 31 December 2019 (“Period of Insurance”), all Spree Credit Cardholders will enjoy the following benefits when making an online purchase using the Spree Credit Card:

Digital Online Shopping Protection

In the event that a Spree Credit Cardholder buys goods online for personal use that turns out to be a “Non-delivery of the goods” or “Non-compliant goods”, insurance cover of up to S$1,000 during the Period of Insurance is provided, subject to the Allianz Cyber Insurance Master Policy and Conditions.

Online Price Guarantee

If a Spree Credit Cardholder purchases a Covered Item online, pays for it in full, using the Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, Allianz will reimburse the price difference up to S$1,000 per Covered Item, subject to the Allianz Cyber Insurance Master Policy and Conditions.

Click here for details and the Allianz Cyber Insurance Master Policy Terms and Conditions²

Instant Digital Credit Card

Apply for an Instant⁴ Digital Credit Card online using MyInfo. Find out more
Additional Info
2% cashback

Earn 2% cashback¹ on all online spend in local currency, all contactless and mobile payments.
1% cashback

Earn 1% cashback¹ on all other retail spend.
Start your Christmas Spree with vPost Shipping

Enjoy 30% off standard shipping with promo code SPREESP. Stand a chance to win additional Dairy Farm Group and vPost e-Vouchers when you ship with vPost. Find out more.
Get up to 100% cashback on your SC Easybill

Get up to 100% cashback when you apply for SC Easybill with your Spree Credit Card for your IRAS, education, insurance or rental payments. Promotion valid from 15 Jan – 30 Sep‘22. SC EasyBill Cashback Promotion Terms and Conditions (January – Sep 2022) apply.

SC EasyBill

Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply. Read More

Credit Card Credit Limit Review

Enjoy a higher credit limit for your credit cards to increase your spending power without worry. Get it reviewed instantly online today! T&Cs apply. Read more

Temporary Credit Limit Increase

Cover your travel, wedding banquet, hospitalisation or unfortunate events with extra cash. T&Cs apply. Read more

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

EasyPay

Convert your retail transactions above $150 into 3, 6, 9 or 12 months interest-free instalments with a one-time service fee. T&Cs apply. Read More

Credit Card Payments

Pay your Standard Chartered Credit Card bills conveniently, securely and almost instantly. Read More

Anytime Cash

Transfer money instantly to anyone from no to low fees. T&Cs apply. Read more

Tap-and-Pay Payment

Tap your credit card on any contactless sales terminal and you are done. No signature required for purchases less than $100. Read More

0% Interest Instalment Plan

Manage your finances with our interest-free monthly instalment plans. T&Cs apply. Read More

Live The Good Life® every day

The Good Life® is what you make of it. Enjoy exciting card offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits. Read More

Mobile Payments

Tap your phone on any contactless sales terminal to pay with Apple Pay, Google Pay™ or Samsung Pay. No need to put away your phone and look for your wallet. Read More

- Valid till 13 January 2023
- 30% off³ standard shipping on vPost with promo code “SPREE SP”
- Stand a chance to win additional Dairy Farm Group and vPost e-Vouchers. Find out more.
Terms and conditions apply.
- 5% off³ SmartPac box (subject to min purchase of 5 SmartPac box of the same type)
- 5% off³ Poly M (subject to min purchase of 5 Poly M of the same type)
Promotion is not valid in conjunction with other promotions, discounts. Terms and conditions apply.
- 5% off³ SmartPac box (subject to min purchase of 10 SmartPac box of the same type)
- 5% off³ Poly M (subject to min purchase of 10 Poly M of the same type)
- 10% off³ packing materials (min purchase of $30), applicable with minimum purchase of $30 of packing materials
- 10% off³ Philatelic Store with min spend of $30 (excludes purchase of stamps)
- 5% off³ at shop.singpost on selected products with no minimum spend required (excludes stamps and postage-paid packaging products)
Terms and conditions apply.

With no minimum spend and up to S$30 cashback monthly, here’s how the Spree Credit Card lets you earn attractive cashback:

Merchant	Product	Category	Amount Spent	Cashback^*	Cashback earned
Bloomingdale’s	Designer dress	Online Foreign Currency	$600	3%	$15.00
Pottery Barn	Coffee Table	Online Foreign Currency	$600	3%	$18.00
vPost	Shipping Fees	vPost	$52.50	3%	$1.57
shop.adidas.com.sg	Gym shoes	Online Local Currency	$148.00	2%	$2.96
Swensen’s via ApplePay	Dining	Mobile Payment	$87.20	2%	$1.74
Takashimaya	Frying pan	Other retail spends	$33	1%	$0.33
		Total	$1100.70		$39.60
Total Cashback awarded:					$30.00

DETAILS	CHARGES
Annual Fees	S$192.60 (including 7% GST); adjusted to S$194.40 (including 8% GST) from 1 January 2023. This annual fee is waived off for the first 2 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$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.

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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Eligibility

Age
- 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
- Employment Pass must have at least 6 months’ validity

Documents Required

You will need:
- Copy of NRIC /Passport/
- Copy of Employment Pass (with at least 6 months’ validity)
For salaried (any of the following)
- Latest 6 months CPF statement
- Latest 3 months payslip
- Latest Income Tax Notice of Assessment + latest month computerised payslip/6 months CPF contribution
For self-employed
- 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

What are the benefits on my Spree Credit Card?
The Spree card allows you to earn 3% cashback on all online spend in foreign currency and vPost spend, 2% spend on all online spend in local currency, all contactless & mobile payments, and 1% cashback on all other retail spends.
Do I need to make a minimum spend amount to qualify for the 3% / 2% / 1% cashback?
All Eligible Spree Card Retail transactions are subject to a minimum value of S$1 in order to earn the Base Cashback of 1%. Please refer to Clause 4 in the Spree Credit Card Terms and Conditions for more details.
Is there any cashback cap on my Spree Credit Card?
The cashback cap on Spree Credit Card is capped at S$30 currently.
Is the cashback cap of S$30 based on calendar month?
No, the cashback cap of S$30 on Spree Credit Card is based on statement month, not calendar month.
What is Complimentary Cyber Protection Insurance for Spree Credit Card?
The Complimentary Cyber Protection Insurance for Spree Credit Card is available till 31 Dec 2020 only. It consists of:
1. Digital Online Shopping Protection – In the event that a Spree Credit Cardholder buys goods online for personal use that turns out to be a “Non Delivery of the goods” or “Non-compliant goods”, insurance can cover up to S$1,000 during period of insurance provided.
2. Online Price Guarantee – If a SCB Spree Credit Cardholder purchases a Covered Item from the internet, pays for it in full, using the SCB Spree Credit Card and within 14 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, Allianz will reimburse the price difference up to S$1,000 per Covered Item.

Are there any transactions which do not earn any cashback?
Please refer to Clause 5 in Standard Chartered Spree Card Terms and Conditions for transactions which are not eligible for cashback.

You may also access the full Standard Chartered Spree Card Terms and Conditions for more details.
Have other questions?
Click here for more FAQs.

¹Spree Credit Card Terms and Conditions
Click here for the full Spree Credit Card Terms and Conditions that apply.
²Standard Chartered Credit Card Sign-Up Promotion Terms and Conditions
³SingPost Privileges Terms and Conditions
⁴Standard Chartered Instant Approval Terms and Conditions
For details, please click here.
Credit Card Additional Cashback Promotion Terms and Conditions

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Get up to S$220 cashback when you spend S$200. T&Cs apply.

Welcome to the Spree Credit Card

3% cashback

Instant Digital Credit Card

2% cashback

1% cashback

Start your Christmas Spree with vPost Shipping

Get up to 100% cashback on your SC Easybill