A Digital Credit Card is a virtual version of a credit card which you can use after successful activation without the physical version of a credit card. You will still receive the physical credit card within 5-7 working days and you are required to activate your physical credit card before use. Once you have activated your physical credit card, the Digital Credit Card will no longer be available for use.

You can use your Digital Credit Card for:

– Making online purchases using one-time password with merchants that use 3DS. 3DS is an added layer of security for online credit card transactions. When you make a purchase at an e-commerce merchant website that uses 3DS, you will be asked to enter an OTP before the transaction can be completed. The OTP will be sent to the principal cardholder’s registered mobile number with the bank; and

– Digital wallets namely, Apple Pay, Google Pay^TM and Samsung Pay

A digital wallet is an application that allows you to enrol your card and use your card to make purchases through the mobile device, instead of transacting with your physical card. Digital wallets such as Apple Pay, Google Pay^TM and Samsung Pay are services respectively provided by Apple, Samsung, and Google allowing you to store your credit or debit card to make payment through the respective Apple Pay, Google Pay^TM and Samsung Pay apps.

Standard Chartered Bank (Singapore) Limited (the “Bank”) may make available a Digital Credit Card to a principal cardholder of a credit card issued by the Bank (“Credit Card”) in the following scenarios:

a) When he/she successfully applies for a Credit Card (including Bonus$aver Credit Card) via the following channels:

1. the Bank’s roadshows;
2. telesales/ tele-marketing by the Bank; or
3. any of the Bank’s branches,

b) When he/she uses MyInfo to successfully apply online or via Mobile app for any of the following Credit Cards and such Credit Card is instantly approved by the Bank: 

1. Unlimited Cashback Credit Card;
2. Rewards+ Credit Card;
3. Spree Credit Card;
4. NUS Alumni Platinum Credit Card;
5. Prudential Platinum Credit Card;
6. Visa Infinite Credit Card; or
7. X Credit Card

c) With effect from 2 September 2019 (inclusive), a principal cardholder of a Credit Card may also get a Digital Credit Card when he/she is issued a replacement or renewal Credit Card.

Please note that the Bank reserves the right to determine at its discretion all matters arising out of or in connection with the Digital Credit Card, including your eligibility for it.

A Digital Credit Card will not be issued for any Standard Chartered Platinum Mastercard Credit Card issued pursuant to a Debt Consolidation Plan Application.

You have up to 15 calendar days, from the date your Credit Card application is approved or date of issue of your replacement or renewal credit card, to activate your Digital Credit Card. For the avoidance of doubt, you cannot activate your Digital Credit Card after 15 calendar days from the date your Credit Card application is approved or the date of issue of your replacement or renewal credit card, or after you activate the physical version of your Credit Card, whichever is the earlier.

a) Bonus$aver Credit Card, Renewal Credit Card and Replacement Credit Card

Please login to Standard Chartered Online banking or Standard Chartered Mobile banking app to activate your Digital Credit Card.

b) For all other Credit Cards (as listed in FAQ 3b above)

You can activate the Digital Credit Card by:

1) Logging in to Standard Chartered Online banking or Standard Chartered Mobile banking app; or

2) clicking on the “Activate my Digital Credit Card” button on the Credit Card approval page for applications made online or via the SC Mobile App (if this page is made available to you by the Bank).