Best Standard Chartered Credit Cards 2019

Every card is different, and every person wants different credit card. When you combine this with the fact that there are hundreds of credit cards available, it becomes clear that shopping for a credit card in Singapore is extremely difficult. To help you navigate this complex process, our team has handpicked and featured a few cards from Standard Chartered that we regard highly below.

Best Standard Chartered Credit CardsCard Features
Best for CashbackSC Unlimited Cashback1.5% unlimited rebate + EZ-Link
Online ShoppingSC SingPost Spree3% rebate online overseas & vPost transactions
Dining & OverseasSC Rewards+2.9 miles per S$1 overseas, 1.45 for dining
Best for MilesSC Visa Infinite3 miles per S$1 overseas, rewards for tax-pay

Best Cashback Card for Unlimited Rewards + EZ-Link: Standard Chartered Unlimited Cashback Card

Consider this if you want unlimited amount of cash rebate and can spend more than S$7,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Unlock up to 5% rebate and S$80 Sign-up bonus when you open Unlimited$aver savings account
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you’re a high spender and typically feel constrained by earnings caps, consider Standard Chartered Unlimited Cashback Card. Cardholders earn 1.5% unlimited cashback on all spend, with no limitations on rewards earned. While other cards offer this same rate, none offer the excellent travel perks provided by SC Unlimited Cashback Card. Not only is it EZ-Link compatible, it also rewards Auto Top-Ups (often excluded by other cards) and offers fuel savings up to 21% with Caltex. While there’s a S$192.6 fee, it’s waived 2 years. Overall, if you want unrestricted rewards paired with top-notch transport perks, SC Unlimited Cashback Card may be the perfect choice for you.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex

Best Rebate Card for Online Overseas: Standard Chartered SingPost Spree Card

Consider this if you shop frequently from websites outside of Singapore

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you’re a low or variable spender and occasionally struggle to hit minimum spend requirements, you might want to consider Standard Chartered SingPost Spree Card. Cardholders earn 3% cashback on foreign online & vPost transactions, 2% on local online & contactless transactions, and 1% on general spend–all with no minimums. Even better, these rates are paired with discounts on packaging and shipping, making shopping online overseas even easier.

It’s worth mentioning that this card is best for those with a shopping budget of S$300–S$500/month; larger budgets are better suited for cashback cards that have minimum requirements but that also have higher rates. Overall, if you’re looking for cashback on a smaller shopping budget and frequently shop online overseas, SC SingPost Spree Card might be an option for you.

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  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 2-year waiver
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 20% discounts with vPost, SmartPac, Lock+Smart
  • Online Price Guarantee & 0% Interest Instalment Plan
  • Up to 19.8% fuel savings with Caltex

Miles for Overseas & Dining: Standard Chartered Rewards+ Card

Consider this if you want a credit card for dining & foreign currency or overseas spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive up to S$80 cashback w/ approval
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

If you currently have a specialised card–like a shopper card–you may be earning just a base rate of 0.3% rebate for all of your dining spend. If this is the case, you can easily multiply your earnings by adding Standard Chartered Rewards+ Card as a supplementary card. Cardholders earn 2.9 miles per S$1 for overseas spend and 1.45 miles on dining (equal to about 2.9% and 1.45% rebate, respectively) with no minimum spend requirement. This is much higher than a base cashback rate, and also higher than typical travel card rates. In fact, most travel cards offer just 2–2.4 miles per S$1 overseas and 1.1–1.4 miles locally.

This card is best fit for smaller budgets of S$250–S$350/month, however, because rewards are capped at a very low 8,000 miles/year. Those with larger budgets will quickly hit this earnings caps, missing out on further earning potential. However, if you’re looking to maximise rewards for a smaller dining & overseas budget, SC Rewards+ Card is worth consideration.

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  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex
  • Annual fee: S$192.6, 1-year waiver
  • 10 pts (2.9 mi) per S$1 overseas, 5 pts (1.45 mi) on dining, 1 pt (0.29 mi) on general spend
  • Free travel insurance & Fullerton Hotel dining privileges
  • Up to 19.8% fuel savings with Caltex

Best Miles Card for Overseas Spenders: Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card

Consider this if you travel frequently for business

Annual Income Requirement S$150,000
Foreigner Income Requirement S$150,000
Promotions:
  • Receive up to 35,000 welcome miles
  • Receive up to S$50 cashback on electric bill w/ OEM sign-up w/ select retailers

Standard Chartered Visa Infinite Card is by far one of the best travel cards on the market. To begin with, it offers the highest rewards rates on the market–1.4 miles per S$1 locally, and an astounding 3 miles per S$1 overseas. For context, most travel cards offer 2–2.4 miles per S$1 overseas. Even further, cardholders enjoy 35,000 welcome miles (worth S$350) and earn rewards for banking activities, like paying taxes. Most cards exclude such transactions from earning rewards.

Beyond providing a way to rapidly accumulate miles, SC Visa Infinite Card also provides top-notch travel perks. Cardholders receive 6 free lounge visits/year, free travel insurance, a free yacht hire, and Hertz Asia rental privileges & golfing privileges. While the S$588.5 fee is admittedly high, the value is reflected in the card’s top rates and luxury perks. Overall, if you’re a frequent traveller with high overseas spend, there’s no better option than SC Visa Infinite Card to maximise miles.

Read Our Full Review

  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex
  • Annual fee: S$588.5
  • 1.4 miles per S$1 local spend, 3 miles overseas (S$2,000 min spend)
  • 35,000 welcome miles (worth S$350)
  • Tax payments are eligible for rewards points
  • Free travel insurance, 6x lounge access, 1 free 4hr yacht hire
  • Hertz Asia Privileges, Golfing/Dining/Hotel Privileges
  • Up to 25% fuel savings with Caltex

Straightforward Cashback for Students: Standard Chartered Manhattan S$500 Card

Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card

Consider this if you want an easy-to-use cashback card

Annual Income Requirement N/A
Foreigner Income Requirement N/A

Standard Chartered Manhattan S$500 Card is an easy-to-use cashback card for students and low-income working adults who earn less than S$30,000/year. Cardholders earn 0.25% rebate on all spend, with no minimum requirement. While there’s a S$32.1 fee, it’s waived for 1 year.

Read Our Full Review

  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit
  • Annual fee: S$32.1, 1-year waiver
  • Accessible to working adults earning up to S$18,000/year
  • 0.25% unlimited rebate on all spend, no minimum requirement
  • S$500 credit limit

Summary of Best Standard Chartered Credit Cards 2019

Below, we've prepared a summary of our picks for the best Standard Chartered credit cards 2019.

CardBest for...Annual Fee
SC UnlimitedUnlimited + EZ-LinkS$192.6
SC SingPost SpreeOverseas Online SpendS$192.6
SC Rewards+Low Spend on DiningS$192.6
SC Visa InfiniteAffluent Business TravellersS$588.5
CardBest for...Annual Fee
SC UnlimitedUnlimited + EZ-LinkS$192.6
SC SingPost SpreeOverseas Online SpendS$192.6
SC Rewards+Low Spend on DiningS$192.6
SC Visa InfiniteAffluent Business TravellersS$588.5

Similar Cards from Other Banks to Consider

It is helpful to evaluate each card by comparing it to its competitors. Here, we seek to shed more light on how Standard Chartered cards differ from other similar cards in the market to help you find the card you need. We also show how much money one can earn or save by using a certain card over a 2-year period. By adding up the cashback, mile awards and promotions that you can earn with each card, we can give you an idea of which Standard Chartered credit card is the best for your circumstances. Do note, however, that your choice depends heavily on your individual spending habits and reward preferences, so you should make sure to read our credit card reviews that we've prepared.

A graph displaying how best Standard Chartered credit cards compare to other cards in Singapore in terms of their rewards
Comparing Dollar Value of Best Standard Chartered Cards with Similar Cards from Other Banks

Standard Chartered Unlimited Cashback Card vs American Express True Cashback Card

American Express True Cashback Card
American Express True Cashback Card

American Express True Cashback Card is a great option for high spenders because of its unlimited earning potential. Cardholders earn 1.5% flat cashback on all spend. This is the same rate as offered by SC Unlimited Cashback Card. For Amex True Cashback Cardholders, however, this rate is doubled to 3% for the first 6 months (up to S$150). This makes it a great card for those with large, immediate expenses–such as planning a wedding or paying large hospital bills.

Even more, Amex True Cashback Card comes with Amex Selects dining privileges, Global Assist & Fraud Protection, and even card-specific True Cashback promotions. SC Unlimited Cashback Card is a better option if you prefer transport perks, but Amex True Cashback Card is a great option if you want an immediate rate boost plus Amex benefits.

Standard Chartered Unlimited Cashback Card vs Maybank FC Barcelona Visa Signature Card

Maybank FC Barcelona Visa Signature Card offers the highest unlimited local rate on the market, at 1.6% (v. 1–1.5%). It’s an excellent match for high-spenders who primarily spend at home, rather than abroad. In fact, overseas spend earns just 0.8 miles per S$1 (equal to about 0.8% rebate), which isn’t very competitive. However, Maybank FC Barcelona Card does come with a fee-waiver; most of its competitors do not. Ultimately, if you spend quite a bit both locally and overseas, you’re likely to earn more with SC Unlimited Cashback Card. If you’re mostly a local spender, however, Maybank FC Barcelona may be a great fit for you.

Standard Chartered Visa Infinite Card vs Citi Prestige MasterCard

Citi Prestige MasterCard offers some of the best luxury travel perks on the market–in addition to great miles rewards rates. Cardholders earn 1.3 miles per S$1 locally and 2 miles overseas, with 25,000 annual renewal miles (worth S$250) and an up to 30% annual bonus based on length of relationship with Citibank. Additionally, they receive unlimited lounge access, access to JetQuay, airport limo transfers, golfing privileges, bonus 4th hotel nights & much more.

SC Visa Infinite Card offers fewer perks–6 lounge visits/year instead of unlimited, discounted rather than free green fees, for example–but has higher rewards rates, and even rewards tax payments. If you want luxury perks, but prioritise rapid miles accumulation, you might prefer SC Visa Infinite. If perks are most important to you, however, you might prefer Citi Prestige Card.

Standard Chartered Visa Infinite Card vs OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

OCBC Voyage Card is one of the most flexible travel cards on the market. Cardholders earn 2.3 miles per S$1 overseas, 1.2 miles locally, and a boosted 1.6 miles for local dining. This makes it easy to earn rewards no matter where you are–travelling, or spending an extended period of time at home. In addition, miles can be redeemed with no black-out dates, no transfer fees, and minimal processing time.

Finally, the card even comes with top-notch perks like unlimited lounge access, free limo transfers, golfing privileges and more. SC Visa Infinite Card offers similar perks, but with limitations (ie, 6 lounge visits/year). However, SC Visa Infinite Card also has higher rewards rates both locally and overseas. If you want a flexible travel card, you might prefer OCBC Voyage Card; if you want both luxury perks and top rewards rates, SC Visa Infinite Card may be a better option.

Standard Chartered SingPost Spree Card vs OCBC Titanium Rewards Card

OCBC Titanium Rewards Card is one of the best cards on the market for frequent shoppers. Cardholders earn 10 points (4 miles) per S$1 spend on fashion, electronics, and with select retail merchants like Amazon, Lazada & more. Even better, online, offline, local & overseas transactions all earn rewards. Finally, OCBC Titanium Rewards Card even comes with a fee-waiver, with S$10,000 annual spend.

SC SingPost Spree Card, on the other hand, offers cashback instead of miles. It also rewards online spend more than offline spend, and overseas spend more than local spend. There also aren’t any merchant restrictions. Overall, if you mostly shop online overseas, you may prefer SC SingPost Spree Card; if you prefer a flexible card for retail spend, OCBC Titanium Card may be a better option.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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