Best Standard Chartered Credit Cards Singapore (Miles & Cashback)

Suitesmile rating:

✍️ Short summary
Cardholders can earn 3 miles per dollar on groceries, food deliveries and ride-hailing, up to S$1,000 per statement month.

For other spending categories, this card gives you an uncapped earn rate of 1.2 miles per dollar on SGD spending and 2 miles per dollar on foreign currency spending.

Cardholders are also entitled to 2 free airport lounge visits (via Priority Pass) per card membership year.

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💸 Annual fee
S$196.20
(First year waived, get 10,000 miles with subsequent annual fee payments)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
2 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

Cardholders can earn uncapped 1.4 miles per dollar on local and 3 miles per dollar on foreign currency spending with a minimum spending of S$2,000 per statement month.

Without meeting the minimum spending requirement, the earn rate is just 1 mile per dollar, in any currency.

Cardholders are also entitled to 6 free airport lounge visits (via Priority Pass) per card membership year.

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💸 Annual fee
S$599.50
(No waiver, always comes with 20k miles)

💼 Income requirement
S’porean/PR: S$30,000 – S$150,000,
Foreigner: S$60,000 – S$150,000

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
6 free lounge visits per card membership year
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27.25 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transaction is posted, bonus points within 5 days after the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card offers varying earn rates to normal cardholders, Priority Banking (PB) and Priority Private (PP) customers. To qualify for PB and PP, a Standard Chartered customer needs to have at least S$200k and S$1.5m Asset Under Management (AUM) with the bank, respectively.

For local spending, cardholders earn uncapped 1.5 miles per dollar, while PB and PP customers enjoy a boosted earn rate of 2 miles per dollar.

For foreign currency spending, cardholders earn uncapped 3 miles per dollar, while PB and PP customers enjoy boosted earn rates of 3.5 and 4 miles per dollar, respectively. PP customers can also enjoy an uncapped earn rate of 8 miles per dollar when dining in foreign currencies.

Cardholders are also entitled to unlimited free airport lounge visits (via Priority Pass) for principal and supplementary cardholders, with a cap of 6 guest visits between them.

From 22 Nov 2025 till 31 Dec 2026, cardholders can also receive 2 complimentary flight upgrades from Premium Economy Class to Business Class. However, this benefit is very restrictive. There needs to be at least 1 Business Class ticket in the booking and the Premium Economy Class ticket needs to be on non-restricted fare (most expensive). To redeem 2 upgrades, there needs to be 2 paid Business Class tickets in the same itinerary.

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💸 Annual fee
S$1,635
(no waiver, always comes with 60,000 miles)

💼 Income requirement
S$120,000/year

🤑 Foreign currency fee
3.5%

🛋️ Airport lounge access
Unlimited free lounge visits
(via Priority Pass)

⏰ Points expiry
Points earned on this card never expire

🫱‍🫲 Transfer partners
KrisFlyer and Asia Miles

💯 Transfer ratio
2.5 points = 1 mile

🧮 Transfer block
25,000 points (10,000 miles)

💲 Transfer fee
S$27 per transfer

🤗 Points pooling
Points from this card can be combined with those from other Standard Chartered cards and transferred out together at once.

❓ When points are credited
Base points are credited immediately when the transactions are posted.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card gives you uncapped 8% or 10% cashback at specific merchants when spending at least S$800 or S$1,500 per statement month respectively.

Selected merchants include:

• Public Transport (Bus and MRT via SimplyGo)
• McDonald’s
• KFC
• Burger King
• Starbucks
• Coffee Bean & Tea Leaf
• Ya Kun Kaya Toast
• Toast Box
• Netflix
• Spotify
• YouTube
• Disney+
• Amazon Prime

These are not merchants where most people spend over S$800 per month at. All spending under S$800 per statement month earn just 0.5% cashback.

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💸 Annual fee
S$99.19/year
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

❓ How points are credited
1.6 base points will be credited when the transactions are posted and 24/28.8 bonus points 1 day after the statement date.

📜 Terms & conditions

Suitesmile rating:

✍️ Short summary

This card gives you uncapped 1.5% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.5% FX fee. Consider using better cashback credit cards.

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💸 Annual fee
S$196.20/year
(First year waived)

💼 Income requirement
S’porean/PR: S$30,000/year,
Foreigner: S$90,000/year

🤑 Foreign currency fee
3.5%

❓ How cashback is credited
Cashback will be credited by the following statement month.

📜 Terms & conditions