Welcome to Standard Chartered
Apply now and enjoy 1.5% cashback. No cashback cap and no minimum spend.
Unlimited cashback. Unlimited joy.
1.5% cashback on all spend 1
No cashback cap and no minimum spend.
Instant Digital Credit Card
Apply for an Instant
Digital Credit Card online using MyInfo.
Exclusive Dining Privileges
Enjoy up to 50% off a la carte dining and selected buffets at The Fullerton Hotel Singapore and The Fullerton Bay Hotel Singapore.
The Unlimited Cashback Credit Card doubles up as your ez-link card with the EZ-Link facility enabled on it. Now, you just need one card for all your needs.
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
S$192.60 including GST. This annual fee is waived off for the first two years.
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.
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is 6% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.077% per day on the amount withdrawn from the date of the transaction until the date of full payment.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
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
Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Tel: +65 6565 6363
*Note: The free credit report is not available for renewed or replaced cards.
¹Unlimited Cashback Credit Card Terms and Conditions
The Standard Chartered Unlimited Cashback Credit Card (“Unlimited Card”) gives you 1.5% cashback (“Unlimited Cashback“) when you (including your supplementary cardholder(s) on your Unlimited Card account) charge Eligible Unlimited Card Retail Transactions (refer to transaction exclusions below) to the Unlimited Card. The following transactions are not Eligible Unlimited Card Retail Transactions and will not earn Unlimited Cashback: a) any cash advance; b) any fees and charges (including but not limited to annual card fees, service fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges) charged to your Unlimited Card; c) any Credit Card Funds Transfer; d) any monthly instalment of an EasyPay transaction; e) any amount charged to your Unlimited Card (and/or your supplementary credit card) that is subsequently cancelled, voided, refunded or reversed; f) recurring payments or payments made to all billing organisations using Standard Chartered Online Banking; g) AXS or ATM transactions made using the Unlimited Card; h) amounts which have been rolled over from the preceding months’ statements; i) tax refunds credited into your Unlimited Card account (and/or your supplementary credit card account); j) any tax payments charged to your Unlimited Card (and/or your supplementary credit card); k) any insurance premiums charged to your Unlimited Card (and/or your supplementary credit card); and l) any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your Unlimited Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time; and EZ LINK PTE LTD, EZ LINK PTE LTD (FEVO), EZ-LINK PTE LTD SINGAPORE, EZ-LINK TOP-UP KIOSK, EZ-LINK (IMAGINE CARD), EZLINK*, EZ LINK, EZLINKS.COM, FLASHPAY ATU, TRANSITLINK*, TRANSIT LINK*, TRANSIT LINK PL, TRANSIT, MB* MONEYBOOKERS.COM, WWW.IGMARKETS.COM.SG, OANDAASIAPA, OANDA ASIA PAC, PAYPAL * BIZCONSULTA, PAYPAL * OANDAASIAPA, PAYPAY * CAPITALROYA, Saxo Cap Mkts Pte Ltd and SKR*SKRILL.COM m) any other charge, fee, transaction or payment as we may stipulate from time to time. Unlimited Cashback is computed on a monthly basis based on your statement date and will be calculated based on two decimal places for each individual Eligible Unlimited Card Retail Transaction without any rounding off . Unlimited Cashback earned will be reflected in that month’s card statement but credited to your principal Card account only in the following statement cycle month. Such Unlimited Cashback amount will be automatically offset against the following statement cycle month’s billed amount. Unlimited Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account. Click
here for the full Standard Chartered Unlimited Cashback Credit Card Terms and Conditions that apply.
2Credit Cards Sign-Up Promotion Terms and Conditions
To be eligible for Credit Cards Sign-Up Promotion (“Promotion”) available from 1 July 2019 to 30 September 2019 (both dates inclusive) (the “Promotion Period”), you must (a) apply for one of the Eligible Cards (as defined below) issued by Standard Chartered Bank (Singapore) Limited (“Bank”); (b) be a new to Standard Chartered principal cardholder (i.e. do not have any existing/previously cancelled principal credit cards in the last 12 months with the Bank); and (c) activate the physical version of the Eligible Card within the first 30 days of card approval. If you satisfy all the eligibility criteria (a) to (c) above, you will be eligible to receive S$80 cashback (“New CC Cashback”), subject to the Current and Previous Cashback Cap as defined in the full terms and conditions for this Promotion. If you are an existing to Standard Chartered principal cardholder and you satisfy all the eligibility criteria, you will be eligible to receive up to S$20 cashback (“Existing CC Cashback”); subject to the Current Cashback Cap and Previous Cashback Cap. The New CC Cashback and Existing CC Cashback under this Promotion will be credited to your principal Eligible Card account within 30 working days of the date of activation of your Eligible Card. Visit
sc.com/sg/signup- tnc for details and the full Credit Cards Sign-Up Promotion Terms and Conditions that apply. “Eligible Card” refers to Unlimited Cashback Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard® Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card and PruPrestige Visa Signature Credit Card.
3Unlimited Card Fullerton Dining Promotion Terms and Conditions
Valid from 15 August 2018 to 30 April 2020 (“Unlimited Card Fullerton Dining Promotion Period”). Under this Unlimited Card Fullerton Dining Promotion, Unlimited Cardholders and their dining companions (the “Dining Party”) may enjoy up to 50% off a la carte food items and selected buffets such as the International Buffet Lunch at the Town Restaurant which is available from Monday to Friday; Brimming Buffet Dinner at the Town Restaurant which is available daily; Indian Curry Lunch Buffet at The Courtyard Restaurant which is available Monday to Friday; Afternoon Tea Buffet at The Courtyard Restaurant which is available daily; Chocolate Buffet at The Courtyard Restaurant which is available on Friday and Saturday, which excludes set menus, promotional menus, children’s menus, buffets which are not listed per above, drinks, banquet, catering, takeaway, private dining, service charge and GST (“A La Carte Food Items”) at all 9 participating dining establishments of The Fullerton Hotel & The Fullerton Bay Hotel Singapore. The amount of discount the Dining Party will enjoy depends on the number of Guests contained in such Dining Party. “Guests” refers to the Unlimited Cardholder and the Unlimited Cardholder’s dining companions that are 7 years of age and above, that each order at least 1 A La Carte Food Item. If the Dining Party contains 2 Guests, a 50% discount will apply to the total bill. In the event that the Dining Party contains more than 8 Guests, the 15% discount will apply to the 8 A La Carte Food items with the highest value in the total bill. The discount available on the A La Carte Food items ordered by members of a Dining Party is applicable on a maximum of 8 A La Carte Food Items if the Dining Party comprises 9 or more Guests. For the avoidance of doubt, the Dining Party must contain the Unlimited Cardholder and the Unlimited Cardholder must be a Guest. If a Dining Party comprises 10 diners and 9 A La Carte Food Items are ordered, such Dining Party consists of 9 Guests. the 15% discount will be applied on a maximum of 8 A La Carte Food Items and such A La Carte Food Items will be those with the highest value in the total bill. The Unlimited Card Fullerton Dining Promotion is not valid on the eve of public holidays, on public holidays themselves and other blackout dates as determined by the merchant, including but not limited to the 15 days of Chinese New Year, Valentine’s Day, Easter Weekend, Mother’s Day, Father’s Day, F1 Weekend and Thanksgiving, unless stated otherwise. Only 1 Unlimited Card is to be used for every bill. Menus, prices, change of concept, participating outlets and operating hours are subject to changes during the Unlimited Card Fullerton Dining Promotion Period. The Unlimited Card Fullerton Dining Promotion is not applicable with other discounts or promotions run by The Fullerton Hotel Singapore and/or Fullerton Bay Hotel Singapore. Advance reservations are required during promotions run by The Fullerton Hotel Singapore and/or Fullerton Bay Hotel Singapore and high occupancy at restaurants at hotels may restrict seating availability. Children will be considered as a Guest for the Unlimited Card Fullerton Dining Promotion only if the child orders from the full priced adult a la carte menu. For the avoidance of doubt, meals ordered from the children’s menu as indicated and determined by the dining establishments of The Fullerton Hotel & The Fullerton Bay Hotel Singapore will not be eligible for the Unlimited Card Fullerton Dining Promotion. The Fullerton Hotel Singapore and The Fullerton Bay Hotel Singapore may restrict seating availability at specific restaurants during high occupancy. An allocation will be made for Unlimited Cardholders when required. Advance reservations quoting your status as a Unlimited Cardholder will be required. Tables may not be available to Unlimited Cardholders in selected restaurants in the event the allocation for Unlimited Cardholders have been taken up on specific dates. Please visit
sc.com/sg/fullerton for the Unlimited Card Fullerton Dining Promotion Terms and Conditions that apply.
4Digital Credit Card Sign-Up Promotion Terms and Conditions
The Standard Chartered Digital Credit Card Terms and Conditions (“Terms and Conditions”) is applicable from 1 July 2019 (inclusive). By submitting an application for an Eligible Card online at
or via the SC Mobile app, you agree to be bound by the Terms and Conditions. The Terms and Conditions would apply when you (a) apply for one of the Eligible Cards (as defined below) issued by Standard Chartered Bank (Singapore) Limited (“Bank”) as a principal cardholder (“Eligible Cardholder”); (b) your application for the Eligible Card is made online at www.sc.com/sg/credit-cards/ or via SC Mobile app (“Application”); and (c) Your Eligible Card application is instantly approved by Standard Chartered, where such approval is provided immediately after submitting the application online ( https://www.sc.com/sg/credit-cards/ “Instant Approval”), and this approval is final and unconditional. Upon Instant Approval, you must opt to activate your virtual credit card which you can use without the physical credit card (“Digital Credit Card”) by clicking on the “ACTIVATE MY DIGITAL CREDIT CARD” button. A Digital Credit Card can only be used on “Eligible Retail Transactions” which are defined as: (a) Online purchases with merchants that use 3-Domain Secure (“3DS”) with one-time password (“OTP”); and (b) Digital Wallet payments through Apple Pay, Google Pay™ or Samsung Pay. For the avoidance of doubt, in the event the Bank is unable to process your Eligible Card application due to system failure, system outage, malfunction, delay or any other circumstances whatsoever, whether within our reasonable control or otherwise, the Bank will not be able to provide Instant Approval, and the Bank disclaims all liability arising for any such delay including any loss, damage or inconvenience caused to/incurred by you the applicant, or any third party arising from or in connection therewith. Visit here for details and the full Digital Credit Cards Sign-Up Promotion Terms and Conditions that apply. “Eligible Card” refers to Unlimited Cashback Credit Card, Rewards+ Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card and Visa Infinite Credit Card.
^CardsSafe Guarantee Terms and Conditions