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Credit Cards, Loans & Mortgages
There are special privileges offered to Standard Chartered employees, when it comes to Credit Cards and Loans.
As a Standard Chartered employee, you stand to enjoy pricing privileges and fee waivers, as well as increased convenience with new Credit Card and CashOne applications.
You can express your interest by completing the form on the right, or dial 678-46272 (ext Go2SB).
CBP Credit Cards Staff Roadshow (7th & 8th June 2018)
• CBP 1, at the back of the building facing Signature Building
MBFC Credit Cards Staff Roadshow (21st & 22nd June 2018)
• MBFC Level 17
Unlimited Cashback Credit Card
No cashback cap | No minimum spend | 1.5% cashback on all spend
Click here to apply for the card today. For full terms and conditions, click here.
Rewards+ Credit Card
Up to 10X Rewards Points on foreign currency spend and up to 5X Rewards Points on dining spend | 1X Rewards Point for all other spend | No minimum spend
Click here to apply for the card today. For full terms and conditions, click here.
Important to note:
* Applicable only if you remain an employee of Standard Chartered Bank (Singapore) Limited or Standard Chartered Bank, Singapore Branch.
# You must complete and sign a valid Staff Banking Consent Form authorising Human Resources Department to provide Staff Banking and/or Lending Operations with your address, Standard Chartered employing entity and address, grade, permanent or contract status, salary (including details of commission paid and fixed component), local or expatriate status, employment pass number (if applicable). Please click here for a copy of the Staff Banking Consent Form.
How to express your interest:
Simply complete the form on the right, or dial 678-46272 (ext Go2SB).
| Loan tenor | AR (% p.a.) | EIR (% p.a.) |
|---|---|---|
| 1-year | 3.88 | 7.09 |
| 2-year | 3.88 | 7.28 |
| 3-year | 2.88 | 5.46 |
| 4-year | 2.88 | 5.45 |
| 5-year | 2.88 | 5.43 |
Click here to apply online via theBridge
Please call GoSB (678-46272) or approach the Staff Banking Team to enjoy this offer. Please visit here for more information and the full terms and conditions that apply.
* Applicable only if you remain an employee of Standard Chartered Bank (Singapore) Limited or Standard Chartered Bank, Singapore branch.
#Only for Hard Copy:You must complete and sign a valid Staff Banking Consent Form authorising Human Resources Department to provide Staff Banking and/or Lending Operations with your address, Standard Chartered employing entity and address, grade, permanent or contract, salary (including details of commission paid and fixed component), local or expatriate, employment pass number (if applicable). Please click here for a copy of the Staff Banking Consent Form and click here for a copy of the physical application form.
To provide our staff with flexibility in servicing their home loans, we offer a Staff MortgageOne SIBOR Package with the following features:
MortgageOne SIBOR Package
100% MortgageOne interest off-set* 3-month SIBOR + 0.65% p.a No partial or full redemption fees#
The Staff MortgageOne SIBOR Package is applicable for the purchase of a residential property which must be for your own occupation. The housing loan must be held in your own name, either singly or jointly.
Alternatively, choose or switch to any commercial mortgage package, which may offer lower interest rates (without the 100% interest offset of the Staff MortgageOne SIBOR package).
If you are interested to re-price your mortgage loan with us to the commercial packages, please send your request to the Mortgage Retention Unit at sg.mru@sc.com with the following documents:
Stay tuned for new exclusive staff mortgage offers in a few months’ time. For more information, please refer to our FAQ or contact your Staff Banking relationship manager.
Please visit here for the full terms and conditions that apply to both the Fixed Deposit Rate Package and the MortgageOne SIBOR Package.
*Applicable only on a housing loan to finance the purchase of a private residential property. The full credit balance in your Mortgage Loan (up to a maximum of your loan) earns the same interest rate that applies to your Mortgage Loan facility on any particular day. You can offset the interest earned on your Mortgage Loan against the interest payable on the Mortgage Loan facility.
#You may redeem your loan in part if you serve us 1 week’s (partial redemption) or 1 month's (full redemption) notice in writing or pay us 1 week's (partial redemption) or 1 month's (full redemption) interest in lieu of notice.
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Interest Rate |
Enjoy a preferential staff rate of: 2.38% p.a. for New Car 2.68% p.a. for User Car |
| Loan Tenure | Up to 7 years |
Loan Quantum |
Up to 60% financing for cars with OMV of more than $20,000 or 70% financing for cars with OMV of $20,000 or less |
Please note that all auto applications will have to be submitted through our authorised dealers, a list of which can be found in our Auto Dealer Registry
Upon approval, please note that you must read and sign our Auto Loan Staff Consent Letter which will be furnished to you by our fulfilment team.
For more information, please send an email to SG Client Acquisition Auto Financing with your requests / queries and we will revert.
We would like to inform you of the important changes to your Staff Unsecured Overdraft (OD) account if you cease your service with Standard Chartered Bank / Standard Chartered Bank (Singapore Limited) (“the Bank”).
With effect from 1 June 2016, should you cease to be an employee with the Bank, your OD account will automatically be converted to a Personal Credit Line (PCL) account at commercial terms. With this conversion*, your account number remains the same and you can continue to use the cheque books that have been issued to you. However, you will no longer be able to enjoy the privileges accorded to you as an employee.
Please refer to the table below for the changes to PCL account fees and charges:
| Interest rate | The interest rate of 18.88% p.a. will apply on any outstanding balance within the overdraft limit. |
| Minimum monthly repayment | 1% of outstanding principal amount, plus interest, fees and charges,plus any amount in the account balance exceeding your credit limit, and any past due amount or a minimum of $50, whichever is higher.If the outstanding balance is less than $50, the entire outstanding balance is payable by the due date. |
| Late payment charges | $80 per month when you miss the payment due date, or pay less than the minimum repayment amount. |
| Annual fee | $85.60 |
| Over limit charges | 5% p.a. in addition to the prevailing interest rate on the over-limit balances |
| Fees |
|
| Overseas cash withdrawal fee | 2% of the amount withdrawn, subject to a minimum of $5 and maximum of $60 per withdrawal. |
If you wish to opt out of the auto-conversion, you may choose to close your account and pay off any outstanding balance on your account.
For enquiries, please contact our 24-hour Staff Banking hotline at 6784 6272.
* This is without prejudice to the Bank’s right to require you to immediately repay the overdraft outstanding or all outstanding sums upon the cessation of your employment with the Bank. Upon conversion, your account will be governed by our Personal Loan/Personal Credit Line terms, and our Customer Terms and all other applicable standard terms forming our banking agreement will continue to apply. These are available on our website or at any of our branches. You can also request for a hard copy by calling our 24−hour Staff Banking hotline.
24-Hour Service Line:
678 46272 (Go2SB)
(when dialing in Singapore)
+65 678 46272 (Go2SB)
(when dialing from Overseas)
For the avoidance of doubt, the applicable interest rates, fees and charges and/or any waiver thereof, which are reflected above, are only valid for staff of Standard Chartered Bank (Singapore) Limited and Standard Chartered Bank, Singapore Branch (collectively, "Standard Chartered" or the "Bank") during the period of their employment with the Bank. Upon resignation and/or termination of employment with Standard Chartered, the standard and prevailing commercial interest rates, fees and charges shall apply. The Bank reserves the right to vary the applicable interest rates, fees and charges, in accordance with the terms of our banking agreement, as may be amended and/or notified to you from time to time.
"Best rates" means rates that are equal to or better than the rates offered to employees of corporate clients who maintain an Employee Banking relationship with Standard Chartered Bank (Singapore) Limited. "Simple and fast" refers to the application process for banking products made simpler and faster. "24/7 service" refers to dedicated 24/7 phone banking service and services that can be accessed through our staff web portal at sc.com/sg/staff.
This link brings you to a third party Website, over which Standard Chartered Bank (Singapore) Limited has no control ("3rd Party Website"). Use of the 3rd Party Website will be entirely at your own risk, and subject to the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.
Standard Chartered Bank (Singapore) Limited makes no warranties, representations or undertakings about and does not endorse, recommend or approve the contents of the 3rd Party Website.
In addition to the terms stated in Standard Chartered's Important Legal Notices, Standard Chartered Bank (Singapore) Limited shall have no responsibility or liability in connection with the content of or the consequences of accessing the 3rd Party Website, including any virus arising from or system failure associated with the 3rd Party Website.
In the event of any inconsistency between the terms herein / the Bank's Important Legal Notices and the terms on the 3rd Party Website, the terms herein / the Bank's Important Legal Notices will prevail.
By clicking "Proceed", you will be confirming that you have read and agreed to the terms herein and in the Bank's Important Legal Notices.
If you:
(a) are the principal cardholder of the Visa Infinite Card;
(b) are the primary account holder of any of the products within the applicable Product Category;
(c) charge at least S$500 worth of retail transaction(s) to your Visa Infinite Card in a particular calendar month; and
(d) hold a current account (whether in joint names or single name) with us,
You can earn the following 360° Rewards Points:
(i) 10 points for every $10,000 average or outstanding monthly balances for the following Product Categories maintained with us in that calendar month: Mortgage Loans, Current and/or Savings Accounts, and Fixed Deposit;
(ii) 25 points for every $10,000 average monthly balances for selected Investments in that calendar month.
Clause (d) above does not apply to existing Visa Infinite Cards approved and issued before 1 August 2011.