Standard Chartered Smart Credit Card — Up to 10% Fast Food & Transport
Earns up to 10% on dining, up to 10% on streaming, and up to 10% on mrt and bus — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Dining | 10% | S$30 |
| Streaming | 10% | S$60 |
| All other categories (base rate) | 1% | S$12 |
| Monthly cashback | S$102 | |
| Annual cashback | S$1,224 | |
Get a Samsonite 25'' MODUS Luggage worth S$610 plus S$100 cashback when you spend S$800 within 60 days of card approval.
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New cardholders must spend S$800 within 60 days of card approval to receive the Samsonite 25'' MODUS Luggage (worth S$610) and S$100 cashback. Full terms and conditions apply; refer to the bank's New to Standard Chartered Credit Card Promotion T&Cs.
The information above is a summary and may be incomplete or outdated. Always refer to Standard Chartered's official terms and conditions for the authoritative version.
Terms and conditionsopen_in_new
Applyopen_in_new- •0.5% base rate on all eligible spend
- S$800+/mo tier:
- •8% on Dining — McDonald’s, KFC, Burger King, Ya Kun Kaya Toast, Subway, Toast Box, Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut and Domino’s Pizza
- •8% on Streaming — Streaming services (Netflix, Spotify, YouTube, Disney+, Amazon Prime, Viu, iQIYI and HBO GO)
- •8% on MRT and Bus — Bus and MRT via SimplyGo
- S$1,500+/mo tier:
- •Base rate rises to 1%
- •10% on Dining — McDonald’s, KFC, Burger King, Ya Kun Kaya Toast, Subway, Toast Box, Starbucks, The Coffee Bean & Tea Leaf, Pizza Hut and Domino’s Pizza
- •10% on Streaming — Streaming services (Netflix, Spotify, YouTube, Disney+, Amazon Prime, Viu, iQIYI and HBO GO)
- •10% on MRT and Bus — Bus and MRT via SimplyGo
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$99.19 (First year waived)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Visa Smart Delay – Complimentary Lounge Access
Cardholders enjoy complimentary access to 1,600+ airport lounges and travel experiences worldwide when their flight is delayed, via the Visa SmartDelay programme.
- Live The Good Life® Dining & Lifestyle Privileges
Standard Chartered cardholders enjoy exclusive deals of up to 25% off across dining, lifestyle, and travel at over 3,000 outlets in Asia.
- eCommerce Purchase Protection
Visa Signature cardholders are covered for up to USD$200 per claim per annum for non-delivery, wrong/incomplete delivery, or physical damage to items purchased online.
- SC Shop and Earn
Cardholders earn additional cashback at 250+ online merchants through Standard Chartered's Shop and Earn programme.
- Annual fee
- S$99.19First year waived
- Foreign currency transaction fee
- 3.5%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 29.9%
- Cash advance service charge
- No cash advance fee for Smart Credit Cardholders.
- Minimum payment
- The greater of either S$50 or 1% of principal (including any instalment billed in current month), interest fees and charges; plus any overlimit amount and past due amount.
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$90,000
- Minimum age: 21
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Foreigners must hold a valid Singapore Employment Pass. Maximum age is 65 years.
- •No cash advance service charge applies to Smart Credit Cardholders.
- •Cardholders receive complimentary access to 1,600+ airport lounges worldwide when their flight is delayed via the Visa SmartDelay programme.
- •Cardholders can earn additional cashback at 250+ online merchants through Standard Chartered's Shop and Earn programme.
- •The elevated cashback rates apply only to a restricted list of specific dining merchants, named streaming services, and SimplyGo bus and MRT — not to all spend in those categories.
- •A minimum monthly spend of S$800 is required to unlock any bonus cashback tier; spend below this threshold earns only the base cashback rate of 0.5%.
- •Foreign applicants must earn a minimum annual income of S$90,000 and hold a valid Singapore Employment Pass, compared to S$30,000 for Singapore Citizens.
About the Standard Chartered Smart Credit Card
The Standard Chartered Smart Credit Card is a tiered cashback card from Standard Chartered. Base-tier earning is 0.5% on every eligible dollar. At its top qualifying tier (S$1,500/mo+), the card reaches up to 10% on dining, 10% on streaming, and 10% on mrt and bus. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$99.19 (First year waived). Terms and conditions apply.
Cashback breakdown
At the base tier, the Standard Chartered Smart Credit Card earns 0.5% on every eligible dollar. From S$800/mo qualifying spend, the card earns 8% on dining, 8% on streaming, and 8% on mrt and bus. From S$1,500/mo qualifying spend, the card earns 10% on dining, 10% on streaming, and 10% on mrt and bus, with a 1% base rate on other eligible spend.
Where this card earns the most
The Standard Chartered Smart Credit Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$1,500/mo+), the calculator returns higher projected monthly cashback for dining, streaming, and mrt and bus spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.5% base rate.
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Frequently asked questions
Is the Standard Chartered Smart Credit Card worth it?
The Standard Chartered Smart Credit Card earns 0.5% cashback on general spend and up to 10% on dining and 10% on shopping & online, with a S$99.19 annual fee (First year waived). Bonus rates require at least S$800 in monthly spend. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the Standard Chartered Smart Credit Card for?
The Standard Chartered Smart Credit Card suits frequent diners, online shoppers, and streaming and entertainment subscribers — it earns up to 10% on dining, 10% on shopping & online, and 10% on streaming. Spending spread across other categories may earn more on a different card. It also suits frequent travellers, with airport lounge access.
How much cashback does the Standard Chartered Smart Credit Card earn?
The Standard Chartered Smart Credit Card has 3 earning tiers in total. At the base tier, every eligible dollar earns 0.5%. From S$800/mo qualifying spend, the card earns 8% on dining, 8% on streaming, and 8% on mrt and bus. From S$1,500/mo qualifying spend, the card earns 10% on dining, 10% on streaming, and 10% on mrt and bus, with a 1% base rate on other eligible spend.
Is there a minimum monthly spend?
There's no single minimum spend — the Standard Chartered Smart Credit Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 8% on dining, 8% on streaming, and 8% on mrt and bus. At S$1,500/mo+ the base rate rises to 1% and the card earns 10% on dining, 10% on streaming, and 10% on mrt and bus. Below the lowest tier, the card earns the base 0.5% rate.
What is the annual fee?
S$99.19, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
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.