Best Standard Chartered Credit Cards in Singapore — Credit Card Reviews 2020

Best Standard Chartered Credit Cards Review

If you’re looking to apply for a Standard Chartered credit card, there aren’t a ton of options. Half the credit cards in their stable are targeted at niche card users, so there are only a few general credit cards such as the Standard Chartered Unlimited Cashback card and the Standard Chartered Spree card.

We compare Standard Chartered’s major credit cards here to give you our recommendations.


Best Standard Chartered credit cards in Singapore 2019

Standard Chartered credit card Key benefits
Standard Chartered Unlimited Cashback Card 1.5% unlimited cashback with no minimum spend
Standard Chartered Spree Card 2% to 3% cashback card for online spending, contactless payment
Standard Chartered Rewards+ Card Pseudo-miles card for local dining, foreign currency spending
Standard Chartered X Card Miles card with attractive sign-up bonus

Note: The popular Standard Chartered Manhattan Card is not on this list because StanChart has stopped taking in applications.


Standard Chartered Unlimited Cashback Card — 1.5% cashback with no cap

It seems Singaporeans have an appetite for these “unlimited” cashback credit cards. What’s not to love? They’re very easy to use, with no minimum spending requirements and no cashback cap, even though you don’t earn crazy huge cash rebates.

Standard Chartered’s Unlimited Cashback card in this category lets you earn a straight 1.5% rebate on everything. Since you don’t need to worry about bursting caps, this card is ideal for massive expenses, like that blowout holiday, wedding banquet, or fancy new OLED TV.

Apply via MoneySmart to get up to $120 instant cash via Paynow and $80 cashback. Valid until 31 Jan 2020.

See the full review of the Standard Chartered Unlimited Cashback card here.

Key features:

  • Get 1.5% cashback on all spend, no minimum, no cap

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
  • Annual fee: $192.60 (waived for two years)


Standard Chartered Spree Card — 2% / 3% cashback on online shopping

While there are several great cashback cards for online shopping in Singapore, the Standard Chartered Spree Card is one of the rare cards with no minimum spend requirement. That’s great for people who don’t want their occasional online purchase to turn into a full-blown habit.

As a bonus, you get 2% cashback on offline contactless payments, and 1% on everything else. So even though the cashback rates are not much to shout about, it’s definitely a useful card if you lead a relatively frugal lifestyle.

There’s an ongoing MoneySmart exclusive promotion right now. Get up to S$100 Cashback, valid till 31 Jan 2020.

Key features:

  • 3% cashback on foreign currency online spend and vPost
  • Note that foreign currency transactions will incur admin and transaction fees so you’re really just breaking even)
  • 2% on local online spend and contactless payment
  • No minimum spend
  • Monthly cashback cap of $60

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
  • Annual fee: $192.60 (waived for two years)


Standard Chartered Rewards+ Card — miles card for foodies

Standard Chartered logo
MoneySmart Exclusive
Earn up to 10X Rewards Points
on Foreign Currency Spend
S$1= 10X Points
on Local Dining Spend
S$1= 5X Points
on All Other Spend
S$1= 1X Point
MoneySmart Exclusive:

Get a Sony LinkBuds S Earbuds (worth S$309) or S$180 eCapita Vouchers or up to S$230 Cash via PayNow when you apply and meet the relevant spend criteria! T&Cs apply.

Valid until 31 May 2024

Until recently, Standard Chartered didn’t have a credit card for earning miles, which was a real weakness given how bored Singaporeans are with our little island passionate Singaporeans are about travelling.

The newly launched Standard Chartered Rewards+ Card remedies that. Although it’s marketed as a “rewards” card, it’s actually better for frequent travellers to use as a miles card.

You get a cool 2.9 miles per $1 spent in foreign currency, which totally beats the overseas earn rates offered by most other miles cards. Local dining also gets you 1.45 miles per S$1, which makes this card great if you love dining and travel, i.e., almost every Singaporean.

Look out for the low annual rewards points cap, though. This card is only good for up to $2,000 of overseas spending or $4,000 of local dining spending — switch to another card after you hit that limit.

See the full review of the Standard Chartered Rewards+ card here. [Note: It’s sponsored.]

Key features:

  • Earn 10X rewards points (= 2.9 miles) per $1 spent overseas / in foreign currency
  • Earn 5X rewards points (= 1.45 miles) per $1 spent on local dining
  • No minimum spending requirements
  • Rewards points capped at 20,000 points per year
  • Rewards points can be exchanged for air miles and vouchers in the Standard Chartered rewards catalogue

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $60,000 (foreigner)
  • Annual fee: $192.60 (waived for two years)


Standard Chartered X Card — miles card with enticing welcome bonus

Launched in 2019, the intriguingly-named Standard Chartered “X Card” made waves by offering an insane 100,000 miles as a welcome bonus (and well… not much else). That welcome bonus later fell to 60,000 miles with a minimum spend of $6,000.

Now, the sign-up promo is 30,000 miles which is pretty meh, given that you have to pay a very hefty annual fee of $695.50. Yikes.

BUT if you’re filthy rich you can earn an additional 100k air miles when you sign up for Priority Banking with a minimum placement of $300k in fresh funds. The card also entitles you to 2 complimentary visits to Priority Pass lounges around the world.

It’s a Visa Infinite credit card after all, which is normally reserved for those with very high incomes.

See the full review of the Standard Chartered X Card here.

Key features:

  • Get 60,000 bonus miles if you spend $6,000 in the first 60 days
  • $1 = 1.2 miles locally
  • $1 = 2 miles overseas
  • No minimum spend, no cap

Essential info:

  • Minimum income: $80,000 (Singaporean & PR) / $60,000 (foreigner on E-Pass)
  • Annual fee: $695.50


Other Standard Chartered credit cards

Standard Chartered Platinum Visa / Mastercard: Rewards card for banking relationships with Standard Chartered

Standard Chartered Visa Infinite Credit Card: Miles card for those earning $150,000 a year

Standard Chartered Priority Visa Infinite Credit Card: Priority Banking version of the above

Standard Chartered Prudential Platinum Card: Use rewards points to offset insurance premiums

Standard Chartered NUS Alumni Platinum Card: For NUS alumni only

Standard Chartered Business Platinum Card: Basic rewards credit card for business use

Standard Chartered MANHATTAN Platinum World MasterCard: Earn up to $800 cashback a year when you charge your purchases to your card.

Standard Chartered MANHATTAN $500 Card: Student credit card with $500 credit limit

Do you use Standard Chartered credit cards? Tell us why or why not in the comments!