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Important things to note
Please note that our decision in all matters arising out of or in connection with this application is final and conclusive. Our Customer Terms, Credit Card Terms, and Credit Card Product Terms apply. All information is correct at the time of publishing. Full terms and conditions are available on our website at sc.com/sg.
Applicable Fees and Charges
The Effective Interest Rate (EIR) is 25.9% per annum (minimum). If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received.
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 25.9% once minimum payment due for the relevant consecutive months where your account was past due is made in full.
The cash advance fee per transaction is 6% on the Cash Advance, subject to a minimum fee of S$15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.
The applicable Annual Fees are as follows:
Rewards+ Credit Cards/ Spree Credit Card/ Unlimited Card: S$192.60 including GST (waived for first 2 years)
Platinum Visa/Mastercard: S$192.60 including GST (waived for first 3 years)
Visa Infinite Credit Card: S$588.50 including GST. This annual fee is strictly non-waivable.
Request for credit report
If you wish to have a free credit report, you may obtain it within 30 calendar days from the date of approval or rejection of this application via the credit bureau website or at their registered office. You will need the following documents to obtain the free credit report:
Credit Card Application Declaration
By submitting this application:
Important information for the preferred credit limit of your Credit Card
You understand and agree that:
You confirm you have read, understood, and agree to be bound by the matters set out in the Credit Card Declaration and Acceptance section, and the applicable terms (including the Customer Terms, Credit Card Terms, Personal & Priority Banking Pricing Guide, Credit Cards Sign-Up Promotion Terms and Conditions and all other applicable terms referred to in Part A of our Customer Terms forming our banking agreement), and you wish to submit your application. You agree to be bound by them for the use of any product we may provide you with. All terms and conditions are also available at any branch and on our website at sc.com/sg, and you can request a hard copy by calling us at 1800 747 7000.