Best Standard Chartered Credit Cards in Singapore 2026
Updated: 28 Oct 2026
Standard Chartered credit cards in Singapore offer great cashback, exclusive dining and shopping deals, and useful travel perks like lounge access and insurance. With easy rewards management and strong security, they're a convenient and reliable choice for everyday spenders.
Product Name | 🔥 Hot Reward Pick | Min. Annual Income | Card Benefits | Ideal for | ||
|---|---|---|---|---|---|---|
 | SC Simply Cash Credit Card + Bonus$aver Account | S$30,000 | 1.5 % | Cashback Enthusiast | ||
 | SC Journey Credit Card + Bonus$aver Account | S$30,000 | 1.2 - 3 | Business Jetsetter | ||
 | Standard Chartered Rewards+ Credit Card | - | S$30,000 | 1 - 10 | Frequent Travellers & Diners |
Why Trust SingSaver
Card Benefit
1.5 % unlimited cashbackAnnual Fee
S$ S$
196.20Min. Annual Income
S$ S$
30,000Bonus$aver Account
Up to 7.35% p.a. interestApply through SingSaver and choose from 2 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Simply Cash Credit Card: 1.5% unlimited cashback rate with no min. spend.
- First year annual fee waiver.
- Enjoy offers and privileges for online, dining, retail and more with The Good Life®.
- SC Shop and Earn - Earn up to 40.25% Cashback on your travels, and other limited-time upsized Cashback across 300+ online merchants on SC Mobile. Priority clients enjoy the highest Cashback rates.
- Bonus$aver Account: Up to 5.85% p.a. interest on your savings.
- 1.5% unlimited cashback
- No rebate cap
- No monthly spend required
- First year annual Fee waiver
Repayment Details
Minimum Payment: S$50
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Late Payment Charge: S$100
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Card Benefit
1.2 - 3 miles / dollarAnnual Fee
S$ S$
196.20Min. Annual Income
S$ S$
30,000Bonus$aver Account
Up to 7.35 % p.a. interestApply through SingSaver and choose from 2 premium rewards
You’ll also receive the following welcome gift(s) directly from the bank
- Earn 3 miles for every S$1 spent on online transactions from transportation, food delivery, and online grocery merchants.
- Earn 2 miles for every S$1 on foreign currency transactions.
- Earn 1.2 miles for every S$1 spent locally.
- 2 complimentary visits to Priority Pass lounges around the world each year.
- Get peace of mind when you travel with complimentary travel insurance coverage of up +to S$500,000.
- Rewards points do not expire.
- Flexible redemption – enjoy your choice of air miles, cash rewards or travel vouchers on the SCB Rewards 360 platform.
- SC Shop and Earn - Earn up to 40.25% Cashback on your travels, and other limited-time upsized Cashback across 300+ online merchants on SC Mobile. Priority clients enjoy the highest Cashback rates.
- Get access to exclusive card offers and privileges with The Good Life programme.
- Bonus$aver Account: Up to 5.85% p.a. interest on your savings.
- Bonus air miles
- No expiry air miles
- Airport lounge
- Travel insurance
- Transportation, food delivery and online grocery rewards capped at 3,000 miles in a statement cycle.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 29.9 %
Interest Free Period: 22 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.5 %
Air Miles Conversion Fee: S$27
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Monthly Spend Required: S$0
Minimum Age: 21 years old
Cashback Overseas Spend
2.48 %Cashback Dining Spend
1.24 %Airmiles Travel Spend
6 miles / dollarAirmiles Overseas Spend
2.9 miles / dollar- Up to 10X reward points for every S$1 spent in foreign currency on overseas retail, dining and travel transactions.
- Up to 5X reward points for every S$1 spent on dining transactions.
- 1 reward point for every S$1 spent on all eligible spend.
- SC Shop and Earn - Upgrade your home and earn up to 8.05% Cashback. Shop top home and electronics brands like Dyson, Heavenluxe, Samsung, Xiaomi and many more. Unlock one of the highest Cashback as a Priority client. Log on to SC Shop and Earn via SC Mobile to start shopping.
- No min. spend required, 1 year annual fee waiver.
- Complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to the card.
- Read our full review of the Standard Chartered Rewards+ Credit Card.
- Overseas rebate
- No monthly spend required
- Travel insurance
- Additional reward points are capped at 20,000 points per year.
- Purchases from local hotel restaurants and supermarkets are not considered as qualifying dining transactions.
- Rebate cap applied
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.9 %
Interest on Cash Advance: 28 %
Interest Free Period: 22 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
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