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Standard Chartered SingPost Spree Credit Card - A good online shopping credit card?

Cashback on Online Overseas Transactions for Low Spenders

Standard Chartered SingPost Spree Credit Card - A good online shopping credit card?

Cashback on Online Overseas Transactions for Low Spenders


ValueChampion Rating ValueChampion Icon



  • Great for monthly budgets below S$500
  • Rewards overseas retailer shopping


  • Not suitable for monthly budgets of S$500+
  • Lacks local shopping rewards

Standard Chartered SingPost Spree Card offers people who spend S$300–S$500/month online overseas an opportunity to earn cashback without worrying about minimum spend requirements. Cardholders immediately begin earning 3% cashback on online foreign & vPost transactions, 2% on online local and contactless transactions, and 1% on general spend. While there's a S$30/month earnings cap, cardholders enjoy shipping discounts, online price guarantees and a no-fee 0% interest instalment plan. If you tend to shop online with overseas merchants, this could be the card for you.

SC SingPost Spree Card Features and Benefits

  • Annual Fee: S$192.60, Waived for 2 years
  • Income Requirement: S$30,000 for citizens & PRs, S$60,000 for foreigners
Key Features:
  • Annual fee: S$192.60 (waived for the first 2 years)
  • 3% cashback on foreign online & vPost transactions, 2% local online & contactless transactions
  • 1% cashback on general spend
  • Up to 25% discounts with vPost
  • Online Price Guarantee
  • Up to 16% fuel savings with Caltex
  • Array
  • Array

What Makes Standard Chartered SingPost Spree Card Stand Out

Standard Chartered SingPost Spree Card is best fit for consumers who tend to shop online with overseas retailers, but have low or irregular spend and would benefit from avoiding a monthly spend requirement. Cardholders earn 3% cashback on online foreign and vPost transactions, 2% on online local and contactless transactions, and 1% on general spend. Shopping cashback is supplemented by shipping discounts of up to 25% with vPost.

Average spenders, however, might want to consider alternatives. SC SingPost Spree Card's rebates are fairly low, and cashback is capped at S$30/month. People who regularly spend at least S$500/month can earn more with UOB One Card. Those who cannot consistently meet this threshold, however, are better off with SC SingPost Spree Card–as long as their spend is primarily on online overseas and vPost transactions. Even still, cashback at this level is still quite low.

Monthly Spend LevelSC SingPost Spree CardUOB One Card

Another factor worth mentioning is the card's S$192.6 annual fee, which is waived for 2 years but not eligible for a subsequent, spend-based waiver, which is common with alternative cards. After the 2nd year, the fee comes to S$16.05/month which is higher than cashback earned by those most likely to benefit from SC SingPost Spree Card.

Ultimately, this card makes up for this value gap with two distinct benefits. First, its Online Price Guarantee feature reimburses cardholders for up to 50% of the difference between what they've paid for an item and a lower online price they find subsequently (within 30 days, up to S$1,000). Second, cardholders have access to a 0% interest instalment plan with no processing fees, and unlike other cards, SC SingPost Spree Card rewards cashback for purchases made under the plan. Consumers who spend online with overseas retailers and who value these features are most likely to benefit from this card; higher spenders may prefer alternatives with higher rewards rates and earnings caps.

How Does SC SingPost Spree Card's Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem SC SingPost Spree Card rewards.

  • Every 1 dollar of cashback earned is equal to S$1
  • Cashback is credited to the cardholder's account in the following month
  • Cashback is automatically offset against following month's billed amount
  • Cashback earned by Supplementary card is credited to Principal account

SC SingPost Spree Card Rewards Exclusions

Some credit card expenditures are ineligible for cash back or rebate. We identify these exclusions in the table below.

Exclusion CategoryDescription
Bank FeesAny cash advance; any fees and charges (including but not limited to annual card fees, services fees, interest charges, cheque processing fees, administrative fees, finance charges, and/or late payment charges and other miscellaneous fees and charges); any credit card funds transfer; any monthly instalment of an EasyPay transaction; any amount charged to Spree Card (and/or supplementary credit card) that is subsequently cancelled, voided, refunded or reversed; amounts which have been rolled over from the preceding months’ statements
Transfers & Bill PaymentsRecurring payments or payments made using Standard Chartered Online Banking; AXS or ATM transactions made using the Spree Card; any top-ups or payment of funds to any prepaid cards and any prepaid accounts (EZ-Link, FlashPay, TransitLink, MoneyBookers, Skrill, IG Markets, Oanda Asia Pacific, Paypal, Capital Royal, Saxo Capital Markets and others)
Institutional PaymentsTax refunds, tax payments, insurance premiums

How does SC SingPost Spree Card Compare Against Other Cards?

Read our comparisons of SC SingPost Spree Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

SC SingPost Spree Card performs slightly above the market average for value-to-consumer after two years based on an average monthly spend of S$2,000

SC SingPost Spree Card v. UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month
  • Pros
    • Good fit for budgets of at least S$2,000 per month
    • Easy cashback on daily spend
    • Gives rebates for paying bills
    • Cons
      • Doesn't fit high budgets or low/inconsistent budgets
      • Annual fee

      Consumers who consistently spend S$2,000/month are most likely to benefit from UOB One Card, which rewards purchases with 5% cashback up to S$300/quarter through a tiered rebate system. While higher spend maximises earnings, consumers with lower spend still earn 3.33% cashback, up to S$50/quarter for a reliable S$500/month spend or S$100/quarter for S$1,000/month spend. While there's a minimum spend threshold, the flat rate rewards all purchases, including recurring bills. Ultimately, consumers who reliably spend S$500+/month can earn more with UOB One Card than with SC SingPost Spree Card, but irregular spenders who shop online might consider the latter.

      SC SingPost Spree Card v. OCBC Frank Card

      OCBC FRANK Credit Card
      OCBC FRANK Credit Card
      Consider this if you want an online shopping card with an easy annual fee waiver
      • Pros
        • 6% rebate on online, mobile contactless, and FX spend
        • Fee waiver with S$10,000 annual spend
        • Cons
          • 0.3% rebate on general purchases
          • Annual fee after 2 years
          • Capped cashback at S$75

          Young adults can maximise rewards for entertainment and online spend–while also avoiding an annual fee–with OCBC Frank Card, which rewards a 5% rebate on spend at bars, cinemas, cafes and more, 6% on online purchases (including Grab rides), and 3% on Auto Top-ups, capped at S$60/month total. In order to access these rates, cardholders must spend S$400/month offline, however, and can only access the card's fee waiver with S$10,000 annual spend (about S$833/month). SC SingPost Spree Card offers lower rewards rates, but has no monthly minimum, making it a better match for lower spenders.

          SC SingPost Spree Card v. DBS Live Fresh Card

          Consider this if you shop online frequently and have many opportunities to pay with mobile wallets
          • Pros
            • Great rewards on contactless payment methods (Visa payWave)
            • Green cashback on eco-eateries and retailers
            • Various entertainment discounts and promotions
            • Cons
              • Lacks travel and overseas spend rewards
              • Not suitable for low budgets

              DBS Live Fresh Card is great for tech-friendly consumers seeking convenience and rewards for shopping. Cardholders earn 5% cashback on online spend and contactless payments, after a S$600 minimum spend; below this minimum threshold, purchases earn just 0.3% cashback. While SC SingPost Spree Cardholders earn rates of just 3% and 2% in these categories, respectively, there is no minimum spend requirement and general spend earns 1%. Earnings with both cards are capped at S$60/month. Ultimately, lower spenders might opt for SC SingPost Spree Card, while average spenders might be better off with DBS Live Fresh Card.

              SC SingPost Spree Card v. CIMB Visa Signature Card

              Consider this if you want a specialised credit card without an annual fee
              • Pros
                • Rewards online shopping, groceries and beauty spend
                • Rewards pet spend and cruises
                • No annual fee credit card
                • Cons
                  • Lacks discounts on transport & petrol
                  • Speciliazed spend
                  • Doesn't fit frequent travellers

                  Consumers with high spend on online shopping, beauty and wellness, groceries and pet care can benefit from the no-fee CIMB Visa Signature Card, which rewards cardholders with 10% cashback on each of these categories–plus cruises–both locally and overseas. While there is an S$800 minimum spend requirement, cardholders can earn up to S$100/month–almost double SC SingPost Spree Card's cap. Consumers who spend at least S$800/month on these unique categories may prefer CIMB Visa Signature.

                  Read Also:

                  Zoryana Melesh

                  Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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