Standard Chartered Smart Credit Card
10% on fast food, public transport, and streaming
Standard Chartered Smart Credit Card
Standard Chartered
- Base rate
- 1% on uncategorised spend
- Minimum monthly spend
- S$800 to unlock category rates
- Monthly cashback cap
- No total cap
- Annual fee
- S$99.19 · First year waived
- Minimum income
- S$30,000
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View card details → [Affiliate]Cashback rates
As of April 2026Dining
Fast food (McDonalds, KFC, Subway, Starbucks, etc.)
10%
Transport
Bus and MRT
10%
Entertainment
Streaming services
10%
Other / uncategorised
Default rate on spend outside listed categories.
1%
Common exclusions: Insurance, Education, Government payments, Top-ups (e-wallets)
Highlights
- check10% on fast food, public transport, and streaming
- checkSpend S$800 a month for 8% on bonus categories
- checkSpend S$1500 a month for 10% on bonus categories
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally. Adjust the sliders to project your cashback on this card.
Projected cashback on Standard Chartered Smart Credit Card
S$1,197net / year
Effective rate 4.43% on S$27,000 annual spend
Per-category projection
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Frequently asked questions
How much cashback does the Standard Chartered Smart Credit Card earn?
The Standard Chartered Smart Credit Card earns 10% on dining, 10% on transport, 10% on entertainment, with 1% on other eligible spend.
Is there a minimum monthly spend on the Standard Chartered Smart Credit Card?
Yes. Standard Chartered requires a minimum monthly spend of S$800 to unlock the bonus cashback rates. Below this threshold, eligible spend earns 1% for the month.
What is the annual fee on the Standard Chartered Smart Credit Card?
The Standard Chartered Smart Credit Card has an annual fee of S$99.19 — first year waived.
What spend does not earn cashback?
Standard Chartered typically excludes insurance, education, government payments, top-ups (e-wallets) from cashback eligibility on the Standard Chartered Smart Credit Card. Refer to the official terms for the full exclusions list.
Are the cashback rates guaranteed?
No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.
Terms and conditions apply.
Last verified: April 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.