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Another great reason to go on that shopping spree

Spree Credit Card Employee Banking

Another great reason to go on that shopping spree

Welcome to the Spree Credit Card

With no minimum spend and up to S$60 cashback monthly, there’s another great reason to go on that shopping spree.

SC EasyBill

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

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Credit Card Credit Limit Review

Benefit from a higher credit limit and increased spend by applying for a credit limit review online. T&Cs apply.

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Temporary Credit Limit Increase

Cover your travel, wedding banquet, hospitalisation or funeral expenses with extra cash. Call 6747 7000 to apply. Temporary Credit Limit Increase T&Cs apply

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Fund Transfers

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

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Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee. T&Cs apply.

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Credit Card Payments

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

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0% Interest Instalment Plan

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

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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.

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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.

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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.

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CardSafe Guarantee^

Protect yourself from unauthorised transactions when you shop online with your credit card.

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Exclusive to New Credit Cardholders

Terms and Conditions apply.

Terms and Conditions apply.  Click on the respective T&Cs for more information;
3Credit Card Sign Up Terms and Conditions
5Standard Chartered Digital Credit Card Terms and Conditions


Enjoy exclusive privileges with your credit card

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With no minimum spend and up to $60 cashback monthly, here’s how the Spree Credit Card lets you earn attractive cashback:

Amount Spent
Cashback earned
Bloomingdale’s Designer dress Online Foreign Currency  $398.00 3%  $11.94
Pottery Barn Coffee Table Online Foreign Currency  $1,680.00 3%  $50.40
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 Skincare products Other retail spends  $260.00 1%  $2.60
Total  $2,625.70  $71.21
Total Cashback awarded: $60.00

Fees & 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 0.077% 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.

Important Documents

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

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


Eligibility & Documents


  • 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

Documents Required

  • You will need:
    • Copy of NRIC /Passport/
    • Employment Pass (front and back)
  • 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

Terms & Conditions

Important Notice

Dear Customer,

As part of the many benefits provided for all our Spree Credit Cardholders, all Spree Credit Cardholders will now enjoy the benefits of the Allianz Cyber Insurance Master Policy underwritten by Allianz Global Corporate & Specialty SE Singapore Branch (“Allianz”) with effect from 1 January 2019 (inclusive of this date). Under this plan, Spree Credit Cardholders will enjoy the benefits for Digital Online Shopping Protection and Online Price Guarantee from 1 January to 31 December 2019 (both dates inclusive) (“Period of Insurance”).

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 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, subject to the Allianz Cyber Insurance Master Policy and Conditions.

Important: Please note that for any claims for item purchased online from  1 January 2019 onwards, Spree Credit Cardholders should approach Allianz for any assistance on their Online Price Guarantee claims that stem from the usage of the Spree Credit Card and for queries relating to claims on item purchased online prior to 1 January 2019 should be directed to AXA.

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