Standard Chartered Smart Credit Card
Standard Chartered Singapore · Cashback · Statement Credit
This comprehensive guide covers the Standard Chartered Smart Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Standard Chartered Smart Credit Card from Standard Chartered Singapore offers cashback rewards credited directly to your statement at 5%. Top earning categories include 5% cashback on dining, groceries & transport and more. Annual fee is S$160.5 (waived for first year).
Best for: Dining, Grocery, Transit, General Online
Reward Examples
Spend S$1,000 on Dining → earn S$50 (5%) · 5% cashback on dining, groceries & trans
Spend S$1,000 on General online → earn S$3 (0%) · 0.3% cashback on everything else
Official product page → Official rules →
Waiver: Waived for first year
Reward Rules
- 5% 5% cashback on dining, groceries & transport
- 0% 0.3% cashback on everything else
Important Notes
- 5% cashback capped at SGD 45 per month.
- Minimum spend of SGD 500 per month to qualify.
- Popular mid-range cashback card for everyday categories.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Standard Chartered Smart Credit Card vs Similar Cards
- Amaze Card by Instarem — 1% top rate · S$0
- American Express True Cashback Card — 2% top rate · S$0
- BOC Family Card — 10% top rate · S$0
Maximize Your Rewards
To earn the highest rewards, use the Standard Chartered Smart Credit Card for its bonus categories: Dining, Grocery, Transit, General Online, Travel.