Best Standard Chartered Credit Cards 2018

Every card is different, and every person wants different credit card. When you combine this with the fact that there are hundreds of credit cards available, it becomes clear that shopping for a credit card in Singapore is extremely difficult. The most important thing to consider when choosing your credit card, in our opinion, is to build an understanding of what you spend on and what reward you care most about. Everyone’s spending habits and needs are different, and there’s a card to match your exact needs and wants. To help you navigate this complex process, our team has handpicked and featured a few cards from Standard Chartered that regard highly below.

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Our Picks For the Best of Standard Chartered Cards in 2018

The following cards are among the best for their respective categories. Since different cards work well for different people, you should read our reviews to assess which of them best meets your spending habits.

Standard Chartered Unlimited Cashback Card: Unlimited Cashback + EZ-Link

Standard Chartered Unlimited Cashback Card is an excellent choice for people who are looking for a simple flat rate card to use. First, its flat 1.5% of cash rebate on all your expenditures is unlimited, so that you can earn as much rebate as you spend. Secondly, this card can double up as an EZ-Link card, so you can simplify your wallet as much as possible. Lastly, it has no minimum spending requirements and comes with a 2-year waiver for its annual fee of S$192.6, making it a very easy and cheap to use. If you are looking for an inexpensive flat-rate cashback card, this is one of the best options you will find in the market.


  • Annual fee: S$192.6, 2 Year Waiver for its
  • No cap on cashback & no monthly spend requirement
  • Promotion: Up to S$120 in cashback for new customers
  • Read Our Full Review
  • 1.5% cashback on everything
  • Doubles up as an EZ-Link Card
  • Bonus: 20% discount on Uber fares globally (max S$50 per month)

Best Cross-border Online Shopping Rebate Card: Standard Chartered SingPost Spree Credit Card

Standard Chartered SingPost Spree Credit Card is an online shopping rewards card that is very easy to use. In fact, it is pretty much the only shopping cashback card without a monthly minimum spending requirement. For this reason, the Spree card has a relatively low reward rate of 3% on foreign currency online transaction and 2% on local currency online transaction. Given this, we believe this card can work relatively well for people who like to shop with online retailers overseas, especially since it provides another 3% of cashback on vPost.


  • Annual fee: S$192.6, waived for 2y ears
  • No monthly minimum spend & Online price guarantee
  • Bonus: 20% discount on Uber fares globally (max S$50 per month)
  • Rebates: 3% foreign currency online purchases & vPost transactions, 2% on local online transactions, 1% on other retail transactions
  • Promotion: Up to S$120 welcome cash bonus for new customers
  • Read Our Full Review

Standard Chartered Visa Infinite Card: Best Miles Card for Frequent Business Travelers

Standard Chartered Visa Infinite Card is an excellent travel card for frequent business travelers. Its highlight, in our opinion, is the 3 miles awarded for every S$1 spent overseas. To this, it adds luxurious perks like HHonor Gold status and discounts for golf clubs, yacht rentals and private jet usages. Award on local expenditure is also one of the best in the market at 1.4 miles per S$1 spent. For business travelers who spend a great portion of their time abroad, SC Visa Infinite card is a great way of earning miles quickly.


  • Annual fee: S$588.6 and no waiver
  • Hilton HHonor Gold status, complimentary VIP lounge access & travel insurance, discounts for golf clubs, yachts and private jets
  • Bonus: 20% discount on Uber fares globally (max S$50 per month, 10% if spending under S$600 per month)
  • 1.4 miles and 3 miles for every S$1 spent locally and overseas, respectively.
  • Promotion: Welcome bonus of 35,000 miles (or 15,000 miles and a Samsonite 28" luggage)
  • Read Our Full Review

Standard Chartered Manhattan World

Standard Chartered Manhattan World MasterCard Credit Card is a great flat-rate cashback card, but we think there are better options. It may seem great because of its S$138 of welcome gift, a 3% flat rebate on everything and an annual fee of S$180 (waived for the 1st year). However, a detailed analysis reveals its weaknesses. SC Manhattan World card requires a minimum spend of S$3,000 a month to qualify for 3%, and then imposes a S$200 cap on quarterly rebate. If you fail to meet the high minimum spend requirement, flat rate cashback drops to 1% (and possibly lower for people who spend less than S$1,000/month). This suggests that the maximum rebate you can earn is actually 2.5% on S$8,000 of quarterly spend.

Compared to this, American Express True Cashback has no minimum spend, and offers 1.5% cashback which is boosted to 3% for the first 6 months. Therefore, American Express True Cashback is actually the better card for those who spend less than S$2,000 a month. For those who spend more than S$2,000, UOB One Card could earn up to 5% rebate on all your expenditures.

Summary of Best Standard Chartered Credit Cards

In case you want a quick look at our picks, here are ValuePenguin's best Standard Chartered credit cards.

Best Standard Chartered CardsSummaryAnnual Fee
Standard Chartered Unlimited Cashback Credit CardUnlimited 1.5% cash backS$192.6
Standard Chartered SingPost Platinum Visa Credit CardBest cash rebate for online shoppingS$180.0
Standard Chartered Visa infinite Credit CardBest Miles Card for Business TravelersS$588.5
Standard Chartered Manhattan World MasterCardUp to 3% Cash RebateS$180.0
Standard Chartered Platinum Visa CardA Basic Credit CardS$192.6

Similar cards from other banks to consider

It is helpful to evaluate each card by comparing it to its competitors. Here, we seek to shed more light on how Standard Chartered cards differ from other similar cards in the market to help you find the card you need. We also show how much money one can earn or save by using a certain card over a 2-year period. By adding up the cashback, mile awards and promotions that you can earn with each card, we can give you an idea of which Standard Chartered credit card is the best for your circumstances. Do note, however, that your choice depends heavily on your individual spending habits and reward preferences, so you should make sure to read our credit card reviews that we've prepared.

A graph displaying how best Standard Chartered credit cards compare to other cards in Singapore in terms of their rewards
Comparing Dollar Value of Best Standard Chartered Cards with Similar Cards from Other Banks

Standard Chartered Unlimited Cashback vs Citi SMRT Card

We think Citi SMRT Card makes more sense than Standard Chartered Unlimited Cashback Card for people who spend more heavily on groceries and daily commutes than others. It provides 7% cash back on your grocery expenditures at Citi's partnering retailers like FairPrice, Giant and Sheng Siong. It also provides a 2% cash back on EZ-Link, slightly higher than SC Unlimited Cashback card's 1.5%. Therefore, Citi SMRT Card could potentially help you save more if your expenditure is more heavily skewed towards these areas compared to other things like shopping, dinning or traveling. Citi SMRT Card is also cheaper to use, as its S$160.5 of annual fee is also waived for 2 years.

Standard Chartered Unlimited Cashback vs Standard Chartered Manhattan World MasterCard

Standard Chartered Manhattan World MasterCard is another flat-rate cashback card from Standard Chartered. It is lightly different from SC Unlimited Cashback card in that Manhattan World card offers 3% flat rebate for people who spend at least S$3,000 per month, 1% for people who spend between S$1,000 and S$2,999 and 0.5% for people who spend less than S$1,000. While its 3% cashback may sound better than Standard Chartered Unlimited Cashback card's 1.5%, Standard Chartered Manhattan World card has a major shortcoming, in our opinion: Manhattan World card's cashback is capped at S$200 per quarter.

This poses a problem because earning 3% on S$3,000 per month should be yielding S$270 of cashback per quarter. Since the rebate is capped at S$200, it means you will be actually receiving 2.22% (S$200/S$9,000) instead of 3%. Therefore, we think SC unlimited Cashback card is the better option than Manhattan World card for most consumers since SC Unlimited Cashback provides an opportunity to earn an unlimited amount of cash rebate at 1.5%.

chart showing that standard chartered unlimited cashback card yields a better cashback rate than standard chartered world manhattan card for most consumers
Cashback Rate: SC Unlimited Cashback vs SC Manhattan World

Standard Chartered Unlimited Cashback vs UOB One Card

We think UOB One Card makes more sense for people who care about almost exclusively about cash rebate and doesn't mind paying a high annual fee. While its annual fee of S$192.6 is waived for only 1 year, UOB One Card provides S$200 quarterly cash back for people who spend S$2,000 a month (i.e. up to 5%), a better yield than than most other flat-rate cards. The only two cases where SC Unlimited Cashback card wins against UOB One card in terms of rebate is people who spend less than S$500 on the card or more than S$7,000 on the card. However, UOB One Card cannot be used as an EZ-Link Card, so if you want to avoid paying high annual fees and care about a card that can be used as an EZ-Link card, SC Unlimited Cashback card could be the better option.

chart showing how standard chartered unlimited cashback card and UOB one card compare in terms of cash back rate for different levels of monthly spending
Cashback Rate: SC Unlimited Cashback vs UOB One

Standard Chartered Singpost Platinum vs Citi Cashback Card

Citi Cashback Card is one of our best cashback cards that cater to foodies, and helps to reduce all grocery and dining bills by 8%. Since SC Singpost Platinum only provides 2% rebate on groceries and 0.2% discount on dining, Citi Cashback card absolutely is the better card for people who spend substantially more on meals than online shopping. However, these two cards could complement each other nicely and help you maximize cashback for those who spend meaningfully on both meals and shopping. Just bear in mind that both cards come with monthly minimum spend requirement that add up to roughly S$1,500 per month.

Standard Chartered Visa Infinite vs Citi Prestige MasterCard

Citi Prestige MasterCard Credit Card is another luxury travel card. It is the best luxury travel card for Citigold members for whom Citi boosts the mile award rate by up to 30%. While Standard Chartered Visa Infinite Credit Card awards you 1.4 miles for your local spend and 3 miles your overseas spend, Citi Prestige MasterCard Credit Card’s 1.3 and 2 miles could be higher with the Citigold boost. Although two cards have similar annual fees (S$535 for Citi Prestige MasterCard Credit Card, S$588.5 for SC Visa Infinite Credit Card), the Citi Prestige is definitely the cheaper option because it waivers the 1st year's fee, resulting in a difference of S$600 in costs over a 24-month period. Even for non-Citigold members, Citi Prestige may be the better option for a casual luxury traveler given the cost difference. The difference of 0.1 miles per S$1 spent locally implies that one would have to spend in excess of S$600,000 over two years to make up for the difference in annual fee.

Standard Chartered Visa Infinite vs UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card is a great alternative to both SC Visa Infinite and Citi Prestige. While UOB PRVI Miles American Express Card only charges S$256.8 of annual fee (which is waived for the first year), it awards as much miles as the other two cards (1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas). Its travel mile award is actually better than other luxury cards at 6 miles per S$1 spent on travel booking. The offer does lag behind other luxury cards in terms of travel persk, however. Therefore, if you care moer about reducing annual fee and less about hotel privileges or golf club discounts, UOB PRVI Miles card could be quite suitable for your circumstances.

*ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. Calculation is based on S$2,000 of monthly spending. The estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

^This dollar value is calculated based on S$4,000 of monthly spending.

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