Quick answer: Standard Chartered’s lineup here covers the stuff Singaporeans actually spend on – kopi runs, online shopping, overseas trips. The Simply Cash card gives a flat 1.5% cashback on everything, no need to think. If your money goes mostly on dining and MRT rides, the Smart card’s up to 10% cashback will feel shiok. For miles, the Journey card rewards transport, food delivery, and foreign spends. Heavy online shoppers will like the Spree card’s 3% on foreign currency purchases.
Choosing a Standard Chartered Credit Card means matching the card to the chapter you are entering — whether that is a milestone dinner abroad, a daily commute you want to earn from, or a year you decide to get serious about miles. A little advance planning now makes every swipe feel intentional. If you are booking a trip or just reorganising your wallet, here is where to start.
Best Credit Cards in Singapore is the parent list here, with 33 guides covering everything in this area.
Simply Cash Credit Card
This one lives up to its name – simple. You get 1.5% cashback on all eligible spends, no minimum spend and no cap. It is the card you reach for when you don’t want to game quarterly categories.
Even the add-ons are practical: it plugs into digital wallets and gives you savings at Caltex. The cashback just lands, steady, every month. If your idea of atas is a nice dinner one night and a hawker centre the next, this card won’t judge – it pays out the same either way.
Set this one up and let it run in the background. It suits anyone who prefers their cashback flat and unconditional — no rotating categories to track, no minimum spend to remember. If you are stacking deposits for a wedding or renovation, the predictability here keeps your spreadsheet clean and your planning steady.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/simply-cash-credit-card
It suits the person who wants their cashback the way they want their kopi: consistent, no fuss. If you have been burned by confusing tiers before, this one is a relief.
While you’re here: Top Credit Card Promotions in Singapore — if you want to know which cards are running offers right now.
While you’re here: Best Credit Card To Book Flights in Singapore — before the next set of air tickets goes on the wrong card.
Journey Credit Card
The Journey card is built for the Singaporean who is always planning the next getaway, even if it is just a weekend in Bangkok. It earns up to 3 miles per S$1 on transportation, food delivery, and groceries, and 2 miles on foreign currency spends. No caps on base earnings either. A complimentary lounge access is thrown in – the kind of thing that makes a long transit feel like less of a drag.
If your spending is heavy on Grab rides, groceries, and flight bookings, the miles add up faster than you would expect. It also has a way of making the 3 a.m. food delivery guilt feel productive.
This card is for the planner who books flights six months out and already knows their departure terminal. The miles structure lines up nicely with everyday spending on transport and groceries, so your weekly shop quietly feeds your next itinerary. Check the lounge access terms before you fly, and arrive a little earlier to enjoy it.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/journey-credit-card
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
Also worth a look: Dining Credit Cards in Singapore if your calendar is more restaurant bookings than flight bookings.
Smart Credit Card
Up to 10% cashback on streaming, dining, and transport – with no annual fee. That is the headline, and it is a strong one if your salary goes out more on Netflix, MRT, and fast food than anything else. The card also offers interest-free instalments and lounge access if your flight is delayed, which is a thoughtful touch for a no-fee card.
Young professionals and students who live on their phones will appreciate how this card fits a very Singaporean pattern: eat out, commute, stream. The cashback is uncapped for these categories, so it really does scale with your spending.
For anyone furnishing a new flat with streaming as the main entertainment spend, this card slots in well. The cashback sweet spots cover the kind of subscriptions and daily rides that younger professionals live on. No annual fee means you can keep it even as your wallet evolves, which is practical for milestone years where every dollar counts.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/smart-credit-card
Rewards+ Credit Card
For the person who dines out as a hobby and loves an overseas deal, the Rewards+ card delivers. You earn up to 10X points on foreign currency spends and 5X on dining. Points can be turned into miles or vouchers and never expire. Two lounge visits a year add a little travel perk to the mix.
It works especially well for the kind of spender who will sign off a meal by mentally converting the bill into future miles. The points pile up fast if you travel often or book restaurants across the causeway.
This one works beautifully for the couple planning a long honeymoon with plenty of restaurant bookings along the way. Dining and overseas spends accelerate your points, and non-expiring rewards mean you can accumulate patiently for a big redemption later. Map out your overseas meals and let the card handle the rest.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/rewards-plus-credit-card
If rewards structures get you excited, you might also want to browse OCBC Credit Cards in Singapore to compare.
Visa Infinite Credit Card
The Visa Infinite card is the one you pull out when you want the airport to feel like a quieter, more comfortable place. It earns up to 3 miles per S$1 overseas and 1.4 on local spends, with unlimited lounge access and travel insurance up to S$1 million. The card also carries exclusive dining and lifestyle offers.
It is designed for the frequent flyer who values the off-radar services: fast-track immigration, concierge, and the kind of insurance coverage that lets you sleep on a long-haul flight. For high-net-worth individuals, it is less about cashback and more about making global travel seamless.
When the itinerary demands reliability over novelty, the Visa Infinite steps in. Unlimited lounge access and a concierge desk mean you are not scrambling if a connection gets tight. Keep the travel insurance details in your phone — it is the sort of coverage that gives you one less thing to worry about while you focus on getting the day right.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/visa-infinite-card
Beyond Credit Card
If you are the sort who likes to squeeze the most miles out of a single dinner in Tokyo or a weekend in Paris, the Beyond card delivers. It earns up to 8 miles per S$1 on foreign dining, 2 miles on local spends, and comes with unlimited lounge visits, limousine rides, and a concierge.
The foreign dining earn rate is the real draw. It turns a nice meal abroad into a significant deposit into your next redemption. The perks bundle pushes it firmly into premium territory – you would likely feel the card is wasted if you only use it for groceries in Tampines.
Plan your overseas reservations around this card if maximising miles is central to your travel style. The earn rate on foreign dining turns a celebratory meal in a city you love into real redemption value. Before you leave, confirm the limousine booking window so your airport transfer feels as considered as the rest of the trip.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/beyond-credit-card
Spree Credit Card
The Spree card is a nice little earner if your shopping cart lives online. It gives 3% cashback on online spends in foreign currency and vPost, 2% on local online, contactless, and mobile payments, and 1% on everything else, up to S$30 cashback per month. Instant digital approval and no minimum spend make it painless to start using.
It is the card you leave linked to your Shopee and Amazon apps without overthinking. For the Singaporean who deals more with parcel deliveries than cash registers, the rebates quietly add up.
Link this card to your online shopping accounts ahead of a big gifting season or a nursery makeover. It rewards the kind of cross-border carts that stack up when you are curating a specific look. The instant digital approval means you can get it sorted in one evening and move straight on to the part that is actually fun.
Address: 8 Marina Boulevard, #27-01 Marina Bay Financial Centre Tower 1, Singapore 018981
Phone: +65 6747 7000 (24/7 hotline)
Website: sc.com/sg/credit-cards/spree-credit-card
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
For a different flavour, check out Elite Dining Rebate Credit Cards That Elevate Singapore&# ;s Culinary Scene if food is where your heart (and wallet) is.
How to choose
Start with your actual spending pattern, not the one you wish you had. If you mainly spend on Grab, MRT, and hawker food, a card like Smart that rewards commuting and dining will outperform a travel card. If your credit card statement is full of flight bookings and overseas transactions, then a miles-focused card – Journey, Rewards+, Visa Infinite, or Beyond – gives you more back. The Simply Cash card is the safest bet for people who value simplicity: the 1.5% applies to everything, so you never have to calculate category bonuses.
Cashback caps matter. The Spree card caps at S$30 a month, which is fine for moderate online shopping but less ideal if you are furnishing a whole house from overseas sites. Cards with uncapped earnings, like Simply Cash or Smart, give you room to spend without worrying about hitting a ceiling.
Annual fees can change the maths. The Smart card has no annual fee, while others may waive it with a minimum spend. Always confirm the current waiver policy with the bank before you sign up.
| Card | Key Benefit | Cashback / Miles Rate | Annual Fee | Best For |
|---|---|---|---|---|
| Simply Cash | Unlimited cashback, no caps | 1.5% on all spends | Check with the business | Everyday, no-fuss cashback |
| Journey | Miles on daily travel and food delivery | Up to 3 miles on transport, food delivery, groceries; 2 miles on foreign spends | Check with the business | Frequent travellers and food delivery users |
| Smart | High cashback on daily essentials, no annual fee | Up to 10% on streaming, dining, transport | $0 | Commuters and casual diners |
| Rewards+ | Multiplied points on dining and overseas spend | Up to 10X points on foreign currency, 5X on dining | Check with the business | Overseas diners |
| Visa Infinite | Premium travel privileges | Up to 3 miles on overseas, 1.4 on local | Check with the business | High-net-worth globetrotters |
| Beyond | Highest miles earn on foreign dining | Up to 8 miles per S$1 on foreign dining, 2 on local | Check with the business | Luxury travellers maximising miles |
| Spree | Cashback on online shopping | 3% foreign online, 2% local online/contactless, 1% other, cap S$30/month | Check with the business | Frequent online shoppers |
Summary
Standard Chartered’s current cards break down neatly by lifestyle. If you want cashback without mental effort, Simply Cash handles everything at 1.5%. If your spending is more targeted – MRT and meals, online carts, or overseas trips – the Smart, Spree, and Journey or Beyond cards each sharpen the rewards in those directions. Pick the card that aligns with where your money already goes, and the returns will quietly stack up.
Disclaimer: Details like fees, cashback rates, and terms can change. Always confirm directly with Standard Chartered before applying.
Frequently asked questions
Which Standard Chartered card gives the highest cashback?
The Smart card offers up to 10% cashback on streaming, dining, and transport with no cap, which is the highest rate for specific categories. The Simply Cash card gives a flat 1.5% on everything – lower but broader.
Do these cards have annual fees?
The Smart card is fee-free. For others, annual fees may apply but are often waived with a minimum spend. Check directly with Standard Chartered for the latest fee policy.
I want to earn miles. Which card should I pick?
The Journey, Visa Infinite, and Beyond cards all earn miles. The Beyond card stands out with up to 8 miles per S$1 on foreign dining, while Journey rewards everyday travel and food delivery with up to 3 miles.
Is there a cap on the cashback for Simply Cash?
No. The 1.5% cashback on Simply Cash is uncapped and applies to all eligible spends, with no minimum spend required.
How do I apply for a Standard Chartered credit card?
You can apply online through the Standard Chartered Singapore website. Some cards, like the Spree card, offer instant digital approval.
Which card is best for online shopping?
The Spree card gives 3% cashback on online spends in foreign currency and 2% on local online, contactless, and mobile payments, making it the most tailored for e-commerce.
