Credit Card Terms & Conditions

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

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is 6% on the Cash Advance, subject to a minimum fee of S$15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.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.

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

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:

  • Card carrier that comes with your credit card
  • Identity Documents

Credit Card Application Declaration

By submitting this application:

  1. You are applying for the Credit Card indicated in this application form. If there is a change in your income or employment details during the period from the date of submission of this application to the date of submission of your income documentation, you must notify the Bank immediately and you agree to provide the relevant updated income documentation as may be requested by the Bank for the purposes of this application;
  2. You have read, understood and agree to be bound by our Customer Terms and the following terms (where applicable):
    1. if you have applied for a Credit Card – our Credit Card Terms, and applicable product terms of the card type indicated in this application form;
  3. You acknowledge that you are bound by any variation we make to the documents referred above, in accordance with our banking agreement. In particular, you understand that by entering into our banking agreement you give indemnities, authorisations, consents and waivers and agree to limitations on our liability;
  4. With respect to the credit card(s) applied for:
    1. if you have applied for the Unlimited Cashback Credit Card (the “Unlimited Card”):
      1. you acknowledge that we have enabled:
        1. the stored value facility (the “EZ-Link Facility”), of which EZ-Link Pte Ltd (“EZ-Link”) is the holder and operator, on the Unlimited Card; and
        2. the automatic top-up facility for the EZ-Link Facility provided by EZ-Link and paid for by you through the debiting of payments from your Unlimited Card (the “EZ-Reload by Card Facility”) such that the Unlimited Card will be revalued automatically (by debiting the Unlimited Card account) when the remaining stored value on the EZ-Link Facility incorporated into the Unlimited Card falls below zero or becomes negative;
      2. you authorise us to apply to EZ-Link on your behalf for the EZ-Reload by Card Facility. You understand that, upon activation by you of your EZ-Reload by Card Facility at any TransitLink Ticket Office or at any GTM (General Ticketing Machine) located in Mass Rapid Transit stations and bus interchanges, a default amount of S$50 or such other sum which we and/or EZ-Link may stipulate from time to time (such default amount or other revaluation amount as notified to you from time to time, the “Revaluation Amount”) will be automatically debited from the Unlimited Card account and credited to the EZ-Link Facility incorporated into the Unlimited Card; and
      3. you authorise us to hold and set aside the Revaluation Amount or such other amount which EZ-Link may stipulate from time to time for the EZ-Reload by Card Facility, from the available balance in the Unlimited Card account up to the time you activate the EZ-Reload by Card Facility and also when the stored value on the EZ-Link Facility incorporated into the Unlimited Card falls below S$20 (or such other amount which we and/or EZ-Link may stipulate);
    2. you ask for a credit card to be issued to the Principal Cardholder and that we renew and replace it until termination;
    3. you are the Principal Cardholder, and you acknowledge that you will be liable for all transactions made using your card;
  5. You represent and warrant that all information (including any documents) you have given to us in connection with the application is correct, complete and not misleading. If this is not the case, you may be personally liable;
  6. You authorise us to verify any of the information you have given to us or your credit standing from anyone we may consider appropriate (such as your employer or an authority or credit reference agency);
  7. You acknowledge that we may decline your application without giving you any reason for doing so. If this happens, no contractual relationship arises between us and you. you consent to us retaining all supporting documents submitted by you for the processing of this application, regardless of whether this application is approved or not;
  8. You confirm and agree that we may give any information in connection with this application (including your personal information) to any service provider (whether located in or outside of Singapore) for the purposes of providing any service to you in connection with this application (including data processing). If you have applied for the Unlimited Card, you additionally authorise us and consent to the transfer and disclosure of any information relating to you and your Unlimited Card to EZ-Link and any third party as we and/or EZ-Link may deem necessary for the purpose of and/or in connection with the provision of the EZ-Link Facility and/or the EZ-Reload by Card Facility and the enrolment of your Unlimited Card for the EZ-Reload by Card Facility;
  9. You consent to each of Standard Chartered PLC and its subsidiaries and affiliates (including each branch or representative office) (collectively, the “Standard Chartered Group”), its officers, employees, agents and advisers disclosing information relating to you (including details of the accounts, products or any security interest) to:
    1. our head office and any other member of the Standard Chartered Group in any jurisdiction (collectively, the “permitted parties”);
    2. professional advisers, service providers or independent contractors to, or agents of, the permitted parties, such as debt collection agencies, data processing firms and correspondents who are under a duty of confidentiality to the permitted parties;
    3. any actual or potential participant or sub-participant in relation to any of our obligations under our banking agreement between us, or assignee, novatee or transferee (or any officer, employee, agent or adviser of any of them);
    4. any credit bureau or credit reference agency, rating agency, business alliance partner, insurer or insurance broker of, or direct or indirect provider of credit protection to, any permitted parties;
    5. any financial institution which you have or may have dealings for the purpose of conducting credit checks (including in the form of blank references);
    6. any court, tribunal or authority (including an authority investigating an offence) with jurisdiction over the permitted parties; a merchant or a member of Visa International or Mastercard® International where the disclosure is in connection with use of a credit card;
    7. EZ-Link and any third party where the disclosure is in connection with the EZ-Link Facility and/or the EZ-Reload by Card Facility and the enrolment of your Unlimited Card for the EZ-Reload by Card Facility;
    8. any authorised person or any security provider; and
    9. anyone we consider necessary in order to provide you with services in connection with an account;
  10. You consent to us contacting you at the address, email address and phone numbers you have provided to us, to give you information on other products and services that we, or our strategic partners, may offer. You further consent to us sharing any of your information in relation to this application with any of our strategic partners;
  11. You irrevocably consent to us sharing with BankBazaar (A&A Dukaan Financial Services (Singapore) Pte. Ltd), any and all such information that may be relevant for the purpose of determining any gift(s), credit, or cashback which you may be eligible for upon the successful outcome of your application;
  12. You consent to us sending at your sole risk, by ordinary mail or other means we deem appropriate, any credit card, all information regarding your account, personal identification number, all statements of accounts, your security codes relating to your access to the electronic banking services, and any other communications or correspondences addressed to you (collectively “personal information”) in accordance with your addresses on our records;
  13. You agree that any risks (e.g., non-receipt or disclosure to any unauthorised third party) arising from the sending of the personal information will be fully borne by you and that we will not be held responsible in any way for any losses that may be suffered by you as a result of the non-receipt or disclosure of the same to any unauthorised third party;
  14. You agree that at your sole risk, we are authorised but not obliged, to receive any instruction given by or over telephone, mobile telephone, telex, facsimile transmission, telegraph, cable, computer, email or any other electronic equipment, short message services from mobile telephone (collectively “Oral Instructions”) from or purporting to be from you without separate verification by us as to the genuineness of the Oral Instructions;
  15. You apply for our electronic banking services and acknowledge that your use of the electronic banking services is governed by our banking agreement;
  16. You authorise us to debit any of your accounts maintained with us either singly or jointly with any other person for any arrears, outstanding fees, monthly repayment, accrued interest and all other monies due and payable to us without any further reference to you;
  17. You confirm that you are not an undischarged bankrupt and no statutory demand has been served on you at the time of this application;
  18. You authorise us to update your personal particulars and contact details, if they differ from what we currently have on record.
  19. Unless stated otherwise, “you” means the Principal Cardholder in this application.

Important information for the preferred credit limit of your Credit Card

You understand and agree that:

  1. The approved credit limit for your credit card(s) in this application will be the overall limit that applies to and is shared among all your principal credit card(s) with the Bank and all corresponding supplementary credit card(s) authorised by you to be issued on your account.
  2. If you have existing principal credit card(s) and you have authorized the issue of supplementary credit card(s) on your account in respect of such card(s), the Bank may also require such supplementary cardholders(s) to indicate their preferred credit limit(s) for their supplementary card(s) before determining the approved credit limit since the approved credit limit is an overall credit limit that will also apply to such existing supplementary card(s). You agree that the Bank may contact such supplementary cardholder(s) for this purpose.
  3. The approved credit limit will be the lowest of: (a) the specific preferred credit limit you indicated in this application form; (b) the maximum credit limit allowable under prevailing regulations; and (c) such other credit limit as determined by the Bank.

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 TermsCredit Card TermsPersonal & Priority Banking Pricing GuideCredit 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, and you can request a hard copy by calling us at 1800 747 7000.

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