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Another great reason to go that shopping spree

Spree Credit Card Employee Banking

Another great reason to go that shopping spree

Welcome to the Spree Credit Card

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

Sg spree card new banner v

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

Key Charges

Annual Fee $192.60 w/GST
Fee Waiver First 2 years
Interest Rate Effective Interest Rate (“EIR”): 24.455% per annum (with effect from 1 November 2016, this will be revised to 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 the EIR indicated on your monthly statement on the outstanding balance from the statement date, and on all new transactions from the respective transaction dates (with effect from 16 January 2017, finance charges would instead be calculated on a daily basis at 0.071% from the respective transaction dates for all transactions to the date the payment is received).

Important Notes

1. The Spree Credit Card (“Spree Card”) gives you cashback (“Cashback“) when you (including your supplementary cardholder(s) on your Card account) charge Eligible Retail Transactions (refer to transaction exclusions below) to the Card, in the following manner:
(i) 3% cashback on Eligible Retail Transactions identified as online transactions based on codes assigned by Visa that are charged in a foreign currency that are not made via telephone or mail order (“Eligible Foreign Currency Online Transactions”);
(ii) 3% cashback on Eligible Retail Transactions identified as vPost transactions (“vPost Transactions”) based on merchant descriptions “PAYPAL *VPOST” and/or “VPOST SHIPPING” and/or “VPOST SHIPPING SERVICE”;
(iii) 2% cashback on Eligible Retail Transactions identified as (A) online transactions based on codes assigned by Visa that are charged in Singapore Dollars that are not made via telephone or mail order and/or (B) transactions made using Apple Pay, Android Pay or Samsung Pay via contactless terminals using Near Field Communication technology, and which are not Samsung Pay transactions using Magnetic Secure Transmissions and/or (C) contactless transactions (“Eligible Local Currency Online Transactions”); and/or
(iv) 1% cashback on all Eligible Retail Transactions that are not Eligible Foreign Currency Online Transactions, vPost Transactions or Eligible Local Currency Online Transactions (“Other Retail Transactions”).
The following transactions are not Eligible Retail Transactions and will not earn Cashback: a) any cash advance; b) any fees and charges (including annual fees, late payment fees, interest charges, and or finance charges) charged to your Card; c) any balance or fund transfer; d) any monthly instalment of an EasyPay transaction; e) any amount charged to your 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 Card; h) amounts which have been rolled over from the preceding months’ statements; i) tax refunds credited into your Card account (and/or your supplementary credit card account); j) any tax payments charged to your Card (and/or your supplementary credit card); k) any insurance premiums charged to your Card (and/or your supplementary credit card); l) any top-ups or payment of funds to any prepaid cards (with the exception of EZ-Reload charged to your Card) and any prepaid accounts including without limitation to the following accounts or any other accounts as we may specify from time to time: 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, PAYPAL * CAPITALROYA, Saxo Cap Mkts Pte Ltd and SKR*SKRILL.COM and m) any other charge, fee, transaction or payment as we may stipulate from time to time.
The maximum Cashback awarded for any statement cycle month is capped at S$60 per Card account. 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 Retail Transaction without any rounding off. 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 Cashback amount will be automatically offset against the following statement cycle month’s billed amount. Cashback earned by your supplementary cardholder(s) of the Card will be credited into your principal Card account. Visit here for the full Spree Credit Card Terms and Conditions that apply.

2. The Period of Insurance is from from 9 October 2017 to 8 October 2018. Spree Credit Card Cardholder who buys a Covered Item from the Internet and pays for it using the Spree Credit Card (“Credit Card”) and within 30 calendar days of the date of purchase, finds the exact item being offered at a lower price on another website, AXA will reimburse 50% of the price difference up to S$250 per Covered Item to the Cardholder, provided always that: a) The minimum price difference between the Purchase Price paid for the Covered Item and the lower price of the same exact item found on another website is S$50; b) Our maximum liability per Cardholder/Cardholders for the Period of Insurance is S$1,000. For the purpose of clarity, “Covered Item” refers to any retail product that is purchased new from the Internet for personal use or given as a gift and paid for entirely with the Credit Card at the point of purchase and is not an excluded item identified in Section 3 of the Online Price Guarantee Terms and Conditions. Click here for the full Online Price Guarantee Terms and Conditions that apply.

3. To qualify for cashback under the Bank’s Credit Card Sign-up Promotion, you must apply for an eligible credit card (“Eligible Card”) issued by the Bank as a principal cardholder from 1 February to 31 March 2018. You may receive up to $100 cashback for your first Eligible Card approved under the Promotion if you do not hold any of the Eligible Cards as a principal cardholder or have not previously been a principal cardholder with the Bank where your application was submitted to the Bank at a roadshow. If you already have an existing Eligible Card as a principal cardholder or previously cancelled credit cards with the Bank at the point of your application, you can only receive up to $20 cashback upon approval (up to a maximum of two Eligible Cards). The maximum amount of cashback that you may receive is capped at $120 (the “Cap”) which includes any cashback already received under any and all other previous Credit Card Sign-Up Promotions with the Bank. You will not be entitled to any further cashback under this Promotion if you have already reached the Cap under any earlier Credit Card Sign-up Promotions, as determined by the Bank. Credit Cards Sign-Up Promotion (1 February to 31 March 2018) Terms and Conditions apply. Please visit sc.com/sg/credit-cards/cardssignup-tnc/ for terms and conditions, including eligibility and exclusions. “Eligible Card” refers to Unlimited Cashback Credit Card, Platinum Visa/Mastercard® Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card or PruPrestige Visa Signature Credit Card.