Best Standard Chartered Credit Cards 2020

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.

Compare Best Standard Chartered Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best Standard Chartered credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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 SC Cards with Similar Cards from Other Banks
SC Unlimited Cashback:
  • 1.5% unlimited rebate + transport perks
SC Visa Infinite X:
  • Bonus 100k KF miles w/ S$300k fund placement
SC SingPost Spree:
  • 3% rebate online overseas & vPost transactions
SC Rewards+:
  • 2.9 miles per S$1 overseas, 1.45 for dining
SC Visa Infinite:
  • 3 miles per S$1 overseas, rewards for tax-pay
SC Manhattan S$500:
  • 0.25% cashback for students & low-income adults

Compare Best Standard Chartered Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best Standard Chartered credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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 SC Cards with Similar Cards from Other Banks

Standard Chartered Unlimited Cashback: Uncapped Cashback + SimplyGo

  • 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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, few offer the travel perks provided by SC Unlimited Cashback Card. Not only is it SimplyGo functional, it also 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.
  • Stand-Out: 1.5% unlimited cashback w/ no min. spend requirement
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • Up to 21% fuel savings with Caltex
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, few offer the travel perks provided by SC Unlimited Cashback Card. Not only is it SimplyGo functional, it also 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.

Standard Chartered Visa Infinite X: Biggest Sign Up Bonus

  • Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
Standard Chartered Visa Infinite X Card provides the absolute best sign-on bonus for wealthy consumers. Those who can place S$300k fresh funds in Standard Chartered's Priority Banking account and maintain this amount for 3 months can receive an incredible 100,000 KrisFlyer miles as a welcome bonus. This is worth approximately S$10k if redeemed for business or first class tickets. This bonus increases even further for those who can place up to $1.5mn to a total of 300,000 miles (worth S$30k). Though SC Vi X Card's $695.5 non-waviable fee is quite expensive, these bonuses far exceed any other offering on the market and is well worth it for those who can afford it.


SC Visa Infinite X Card also provides several high-end benefits. For example, it provides 2 free lounge visits/year, exclusive hotel privileges, discounted rental cars & green fees and complimentary travel insurance. It also comes with a miles reward of 1.2 and 2 miles per S$1 spent locally and overseas, respectively. While these perks and rates aren't especially competitive for a luxury card, SC Visa Infinite X is still one of the best options available for very affluent individuals who can take advantage of the incredible sign-on bonus by placing fresh funds.

  • Stand-Out: Receive 100k+ bonus miles upfront for investing w/ SC Bank
  • Promotions: 40k welcome bonus miles, exclusive via our partnership w/ SGSaver
  • Earn 3 mi/S$1 overseas w/ S$2k spend in 1 month (until 30 June 2020)
  • Upon establishing Priority or Private Banking relationship, earn up to 30k miles w/ S$200k min. deposit/investment, 100k miles w/ S$300k deposit/investment, or up to 150k miles w/ S$800k+ deposit/investment
  • Read Our Full Review
  • Annual fee: S$695.5
  • 1.2 miles (3pts) per S$1 local spend, 2 miles (5pts) overseas
  • Points can also be redeemed as cashback or travel credits
  • 2 free lounge visits & free travel insurance
  • Hertz Asia rental car & exclusive hotel privileges
  • Discounted green fees at golf clubs in SE Asia
Standard Chartered Visa Infinite X Card provides the absolute best sign-on bonus for wealthy consumers. Those who can place S$300k fresh funds in Standard Chartered's Priority Banking account and maintain this amount for 3 months can receive an incredible 100,000 KrisFlyer miles as a welcome bonus. This is worth approximately S$10k if redeemed for business or first class tickets. This bonus increases even further for those who can place up to $1.5mn to a total of 300,000 miles (worth S$30k). Though SC Vi X Card's $695.5 non-waviable fee is quite expensive, these bonuses far exceed any other offering on the market and is well worth it for those who can afford it.


SC Visa Infinite X Card also provides several high-end benefits. For example, it provides 2 free lounge visits/year, exclusive hotel privileges, discounted rental cars & green fees and complimentary travel insurance. It also comes with a miles reward of 1.2 and 2 miles per S$1 spent locally and overseas, respectively. While these perks and rates aren't especially competitive for a luxury card, SC Visa Infinite X is still one of the best options available for very affluent individuals who can take advantage of the incredible sign-on bonus by placing fresh funds.

Standard Chartered SingPost Spree: Rebates for Online Overseas

  • Cashback on overseas online shopping + shipping discounts
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • 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
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.

  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • 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
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.

Standard Chartered Rewards+: Miles for Overseas & Dining:

  • Up to 2.9mi/S$1 overseas, 1.45mi on dining
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • 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
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.

  • Stand-Out: Cashback on overseas online shopping + shipping discounts
  • Promotions: Free AirPods Pro (worth S$379) for first 100 daily applicants, S$200 cash via PayNow thereafter (via our partnership with SGSaver)
  • S$30 cash via PayNow for existing customers (via our partnership with SGSaver)
  • Read Our Full Review
  • 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
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.

Standard Chartered Visa Infinite: Miles for Tax-Pay

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome 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
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.

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Stand-Out: Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Promotions: Receive up to 35,000 welcome 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
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.

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

Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card
  • 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
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.
Standard Chartered Manhattan $500 Card
Standard Chartered Manhattan $500 Card
  • 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
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.

Learn More About Maximising Your Rewards with Standard Chartered

SC Unlimited Cashback Card v. Amex True Cashback Card

  • 1.5% unlimited cashback, boosted to 3% for 1st 6mo
  • Annual Fee:S$171.2
  • Promotions: Earn +1% cashback boost on foreign currency transactions (for 2.5% total rebate)
  • Read Our Full Review
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.

SC Unlimited Cashback Card v. Maybank FC Barcelona Card

  • 1.6% unltd local cashback, fee waiver w/ S$10k annual spend
  • Annual Fee:S$120.0
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
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.

SC Visa Infinite X Card v. Citi Prestige Card

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Annual Fee:S$535.0
  • Promotions: Free S$200 cash via PayNow (new customers) via our partnership with SGSaver
  • Read Our Full Review
Citi Prestige Card 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 X Card offers fewer perks–2 lounge visits/year instead of unlimited, discounted rather than free green fees, for example–but has higher bonus miles. If you want luxury perks, but prioritise rapid miles accumulation, you might prefer SC Visa Infinite X. If perks are most important to you, however, you might prefer Citi Prestige Card.

SC Visa Infinite X Card v. OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card
  • Boosted miles rewards for local dining spend
  • Annual Fee:S$488.0
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
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 X Card offers similar perks, but with limitations (ie, 2 lounge visits/year). However, SC Visa Infinite X Card also has much higher welcome bonus miles. If you want a flexible travel card, you might prefer OCBC Voyage Card; if you want maximum amount of bonus miles and can afford to satisfy the card's requirements, SC Visa Infinite X Card may be a better option.

SC SingPost Spree Card v. OCBC Titanium Card

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Annual Fee:S$192.6
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Read Our Full Review
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.

SC Unlimited Cashback v. Amex True Cashback
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.

SC Unlimited Cashback v. Maybank FC Barcelona
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.
SC Visa Infinite X v. Citi Prestige
Citi Prestige Card 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 X Card offers fewer perks–2 lounge visits/year instead of unlimited, discounted rather than free green fees, for example–but has higher bonus miles. If you want luxury perks, but prioritise rapid miles accumulation, you might prefer SC Visa Infinite X. If perks are most important to you, however, you might prefer Citi Prestige Card.

SC Visa Infinite X Card v. OCBC Voyage
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 X Card offers similar perks, but with limitations (ie, 2 lounge visits/year). However, SC Visa Infinite X Card also has much higher welcome bonus miles. If you want a flexible travel card, you might prefer OCBC Voyage Card; if you want maximum amount of bonus miles and can afford to satisfy the card's requirements, SC Visa Infinite X Card may be a better option.

SC SingPost Spree Card v. OCBC Titanium
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.

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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