Compare Standard Chartered Credit Cards
All 4 Standard Chartered Singapore miles and cashback cards in one ranked list, scored by value at your monthly spend. Updated 30 Jun 2026
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Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
About Standard Chartered Singapore's credit cards
Standard Chartered's miles cards are the premium Visa Infinite, built for foreign-currency spend, and the Journey Card for transport and food delivery. Standard Chartered's cashback cards are the flat, no-cap Simply Cash and the niche Smart Card for fast-food and transport spend. This page filters the full SGfi credit-card comparison to Standard Chartered's lineup and ranks its miles and cashback cards together by the S$-equivalent value each earns at your monthly spend — cashback at face value, miles at the cents-per-mile you choose. Use the bank chips above to compare other issuers.
SGfi tracks 2 Standard Chartered miles cards in this comparison: Standard Chartered Visa Infinite Credit Card and Standard Chartered Journey Credit Card. Across the lineup, annual fees range from S$196.20 to S$599.50, base rates run from 1 mpd to 1.2 mpd, and top category bonuses reach 3 mpd on eligible spend. Use the input sidebar to rank the cards by projected annual miles at your monthly spend profile.
SGfi tracks 2 Standard Chartered cashback cards in this comparison: Standard Chartered Simply Cash Credit Card and Standard Chartered Smart Credit Card. Across the lineup, annual fees range from S$99.19 to S$196.20, base rates run from 0.5% to 1.5%, and no card declares a category bonus above its base rate. Use the input sidebar to rank the cards by projected annual cashback at your monthly spend profile.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Can I hold both a Standard Chartered miles card and a Standard Chartered cashback card?expand_more
Yes. Many Singapore cardholders pair a miles card for travel-leaning and foreign-currency spend with a cashback card for everyday categories. This page ranks all 4 Standard Chartered cards (2 miles and 2 cashback) in one list by the S$-equivalent value each earns at your spending, so you can see which Standard Chartered card leads for your mix and whether a second card adds value.
Which Standard Chartered miles credit cards does SGfi compare?expand_more
SGfi currently compares 2 Standard Chartered Singapore miles cards: Standard Chartered Visa Infinite Credit Card and Standard Chartered Journey Credit Card. Each is ranked by projected annual miles at the monthly spend you enter on the calculator above.
Which Standard Chartered miles card has the lowest annual fee?expand_more
The Standard Chartered Journey Credit Card has the lowest annual fee at S$196.20 per year among the Standard Chartered miles cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which Standard Chartered miles card has the highest base rate?expand_more
The Standard Chartered Journey Credit Card has the highest base rate at 1.2 mpd. Some other Standard Chartered cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Does the Standard Chartered Visa Infinite minimum spend reset monthly or per statement?expand_more
The S$2,000 minimum is assessed per statement cycle. If you fall short in any cycle, that cycle's spend earns only the base 1.4 mpd, the bonus 3 mpd on foreign currency is forfeited for the cycle. The minimum does not roll over.
Which Standard Chartered cashback credit cards does SGfi compare?expand_more
SGfi currently compares 2 Standard Chartered Singapore cashback cards: Standard Chartered Simply Cash Credit Card and Standard Chartered Smart Credit Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which Standard Chartered cashback card has the lowest annual fee?expand_more
The Standard Chartered Smart Credit Card has the lowest annual fee at S$99.19 per year among the Standard Chartered cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which Standard Chartered cashback card has the highest base rate?expand_more
The Standard Chartered Simply Cash Credit Card has the highest base rate at 1.5%. Some other Standard Chartered cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Does the Standard Chartered Simply Cash Card have a minimum spend or cashback cap?expand_more
No — the Simply Cash Card earns a flat 1.5% on eligible spend with no minimum monthly spend and no cashback cap. That contrasts with the Standard Chartered Smart Card, which gates its 8-10% bonus on fast food, public transport and streaming behind an S$800 monthly minimum spend.