Standard Chartered X Card

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Key Features

S$1 = 1.2 Miles
on Local Spend
S$1 = 2 Miles
on Overseas Spend
30,000 Air Miles
when you activate your X card within 30 days from approval date

Promotion

Overseas Spending

Use the travel credits earned by redeeming 360° Rewards Points through the Standard Chartered mobile app or online banking site to offset your travel transactions.
For every 250 360° Rewards Points accumulated, you can receive S$1 worth of travel credits.
Qualifying transactions for travel credit redemption include airlines, car rental agencies, hotels, railways, cruises, boat rentals, travel agencies and operators, and tourist attractions.
Redeem loyalty points from participating hotel partners or air miles from 8 airline partners via transfer rewards in the SC EasyRewards programme using your 360° Rewards Points.
Please note that each hotel or airline point transfer transaction request takes 5 to 7 days to process and is subject to a transfer fee of S$26.75.

Air Miles

Earn 3 360° Rewards Points, which is equivalent to 1.2 KrisFlyer Miles, for every S$1 spent locally.
Earn 5 360° Rewards Points, which is equivalent to 2 KrisFlyer Miles, for every S$1 spent overseas in foreign currency.
You can transfer your accumulated points to mileage transfer partners such as Asia Miles or Singapore Airlines’ KrisFlyer frequent flyer programme in blocks of 2,500 points each time, subject to a transfer fee of S$25 (excluding tax).

Other Features

Activate your X card within 30 days from approval date and receive 30,000 Air Miles. Please note that an annual fee of S$695.50 applies.
Earn 1.2 miles (or 1.2% cashback) for every S$1 spent locally.
Earn 2 miles (or 2% cashback) for every S$1 spent overseas.
Enjoy 2 complimentary visits to Priority Pass lounges worldwide every year.
Apply via MyInfo to receive your digital credit card immediately upon approval.
LOANPANDA is committed to providing accurate and up-to-date information. Please note that information may differ from what you see on financial institution, service provider, or product sites. LOANPANDA is not liable for compensation if our information is not as up-to-date as that of our partner.

Eligibility

Singaporean/PR Minimum Income

S$80,000

Non-Singaporean Minimum Income

S$80,000

Fees and Charges

Annual Principal Fee: S$695.50
Supplementary Annual Fee: S$107
Fee Waiver: Not Available
Interest Free Period: 22 days
Annual Interest Rate: 26.90%
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: 3.5%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6%
Overlimit Fee: N/A

Review

By LOANPANDA

The Standard Chartered X Card is a great choice for frequent travelers who want to earn air miles quickly. With 1.2 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas, cardholders can easily accumulate miles for their next trip.

The card also offers a promotion for overseas spending, allowing users to redeem travel credits with their accumulated 360° Rewards Points. The card comes with a one-time offer of 30,000 air miles upon activation, as well as 2 complimentary visits to Priority Pass lounges per year. However, with an annual fee of S$695.50 and a minimum income requirement of S$80,000, the card may not be suitable for everyone.

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.