Standard Chartered Smart Credit Card
Hand-checked snapshot for Singapore. Author: Spiddy Ng. Figures below come from the linked bank sources — if a field is missing, we say so.
Earn rates
- bonus merchants: Burger King, Domino's, KFC, McDonald's, Pizza Hut, Starbucks, Subway, Coffee Bean, Toast Box, Ya Kun; Prime Video, Disney+, HBO GO, iQIYI, Netflix, Spotify, Viu, YouTube; SimplyGo bus/MRT; EV charging MCC 5552 (till 31 Dec 2026): 10% at >= S$1,500 monthly eligible spend; 8% at >= S$800; 0.5% below S$800
- other eligible: 1% (>= S$1,500), 0.5% (< S$1,500)
Paid as 360 Rewards Points (32.0/25.6/1.6/3.2 pts per S$1); T&C version 13 Nov 2025
Source: https://www.sc.com/content/dam/sc/sg/en/documents/Standard-Chartered-Smart-Credit-Card-Terms-and-Conditions_6Dec2024.pdf · last checked 2026-10-22
Caps
No cap
Source: https://www.sc.com/content/dam/sc/sg/en/documents/Standard-Chartered-Smart-Credit-Card-Terms-and-Conditions_6Dec2024.pdf · last checked 2026-10-22
Minimum spend
{"tiers_sgd": [800, 1500]}
Source: https://www.sc.com/content/dam/sc/sg/en/documents/Standard-Chartered-Smart-Credit-Card-Terms-and-Conditions_6Dec2024.pdf · last checked 2026-10-22
Conversion
360 Rewards Points; 3.2 points = 1% cashback equivalent
Source: https://www.sc.com/content/dam/sc/sg/en/documents/Standard-Chartered-Smart-Credit-Card-Terms-and-Conditions_6Dec2024.pdf · last checked 2026-10-22
Exclusions (summary)
EZ-Link/TransitLink/SimplyGo top-ups and listed descriptors
Excluded MCCs: 4829, 4900, 5047, 5199, 6012, 6050, 6051, 6540, 6211, 6513, 6529, 6530, 6534, 7299, 7349, 7511, 7523, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8999, 9211, 9222, 9223, 9311, 9399, 9402, 9405
Source: https://www.sc.com/sg/terms-and-conditions/cc-retail-transaction-exclusions/ · last checked 2026-10-22
Sign-up gift
No current sign-up gift in our verified snapshot (or not shown on the bank page when checked).
No card-specific gift shown
Source: https://www.sc.com/sg/credit-cards/smart-credit-card/ · last checked 2026-10-22