Standard Chartered Smart Credit Card

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Key Features

6%*
Cashback from Netflix, Spotify, fast food joints and more. *T&Cs apply.
^S$0
Annual Fee
^S$0
Minimum Spend

Promotion

Cash Back

Get 6%* cashback on your daily expenses such as fast food dining, coffee and toast, digital subscriptions, and bus/MRT rides at your favourite merchants. There is no minimum spend requirement, but do check the terms and conditions for details.
Enjoy 6%* cashback when you subscribe to Netflix, Disney+, Spotify, and dine at fast food joints. *T&Cs apply.
There is no minimum spend requirement for both offers.

0% Instalment

The offer is for 3-month interest-free instalments with no service fees.

Rewards

Standard Chartered’s The Good Life Programme offers dining and shopping discounts at over 3,000 outlets across Asia.

Dining

Get 6% cashback from fast food joints with terms and conditions applied.
Participating fast food dining outlets include Burger King, KFC, McDonald’s, and Subway.
Participating coffee and toast outlets include Fun Toast, Toast Box, and Ya Kun Kaya Toast.

Other Features

Enjoy 6%* cashback on your everyday spending at your favorite merchants in categories including fast food dining, coffee and toast, digital subscriptions, and daily commute (Bus/MRT), with no minimum spend requirement. *T&Cs apply.
Say goodbye to annual fees with our no annual fee policy.
Make your purchases more manageable with 3-month interest-free instalments and no service fees.
Get exclusive discounts at over 3,000 dining and shopping outlets across Asia through Standard Chartered’s The Good Life Programme.
LOANPANDA strives to keep our information accurate and up-to-date. Please note that the information we provide may differ from what you see when you visit a financial institution, service provider, or product site. LOANPANDA is not liable for compensation if our information is not as updated as our partner’s.

Eligibility

Singaporean/PR Minimum Income

S$ 30,000

Non-Singaporean Minimum Income

S$ 60,000

Fees and Charges

Annual Principal Fee: S$0
Supplementary Annual Fee: S$0
Fee Waiver: Annual Fee is Perpetually Waived
Interest Free Period: Available
Annual Interest Rate:23.9%, 26.9% or 29.9% p.a. based on the Bank’s assessment of your credit profile
Late Payment Fees: S$100
Minimum Monthly Repayment: S$50 OR 1% of principal / interest, fees & charges / overlimit amount / past due amount, whichever is higher
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: Free
Overlimit Fee: S$40

Review

By LOANPANDA

The Standard Chartered Smart Credit Card is a great option for those looking to earn cashback on their everyday expenses. With no annual fee and no minimum spend requirement, this card offers 6% cashback on fast food dining, coffee and toast, digital subscriptions, and daily commute (Bus/MRT) at your favourite merchants.

Additionally, you can enjoy exclusive discounts at over 3,000 dining and shopping outlets across Asia through Standard Chartered’s The Good Life Programme. The card also offers 0% interest-free instalments for 3 months with no service fees. If you’re looking for a card that offers cashback and great rewards with no annual fee, the Standard Chartered Smart Credit Card is a great option.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.