Best Standard Chartered Singapore Credit Cards (September 2024)

Suitesmile rating:

✍️ Short summary
This card gives you 6% cashback (or 5.6 miles per dollar) on public transport (via SimplyGo) and at the following merchants:

• McDonald’s
• KFC
• Burger King
• Ya Kun Kaya Toast
• Toast Box
• Netflix
• Spotify
• YouTube
• Disney+

Receive this bonus earn rate for spendings up to $818 per statement month. All other transactions earn just 0.5% cashback (or 0.46 mpd).

For most people, these are low-spending categories; and because the card does not offer good earn rates on other categories, cardholders will most-likely struggle to earn worthwhile miles/points to transfer to frequent flyer programs.

Hence, if you are going to use this card, redeeming the points for 6% cashback is probably the better option. You’ll need a minimum of 3,200 points to redeem for $10 in cashback; that’s about S$167 worth of spending in the above bonus categories.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.5%

⏰ Points expiry
Every 3 years from card opening date

🫱‍🫲 Transfer partners
KrisFlyer only

💯 Transfer ratio
3.45 points = 1 mile

🧮 Transfer block
34,500 points (10,000 miles)

💲 Transfer fee
$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.

❓ How points are credited
Earn 1.6 base points and 17.6 bonus points at selected merchants.

📜 Terms & conditions