Standard Chartered Prudential Platinum Credit Card Review

The Standard Chartered Prudential Platinum Credit Card offers a complete credit card package, including a comprehensive rewards program.

You can reduce the cost of your monthly insurance premiums at Prudential when you apply for and spend using the Standard Chartered Prudential Platinum Credit Card. Convert your reward points for a premium discount or redeem your 360° Rewards points for a range of merchandise or with a partner such as KrisFlyer.

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$0 annual fee for 2 years - $194.40 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameStandard Chartered Prudential Platinum Credit Card
RewardEarn 5 Rewards points on eligible dining transactions and 1 Rewards point on all other eligible transactions for every $1 charged to your card
Effective Interest Rate26.9%
Interest Free PeriodApplicable if you choose to make full payment
Maximum Credit LimitUp to $250,000
Minimum Monthly RepaymentThe higher of $50 or 1%.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

About the Standard Chartered Prudential Platinum Credit Card

Issued in partnership with Prudential SG, this credit card lets you swap your spending rewards – known as 360° Rewards points – for discounts on your insurance premiums, a range of merchandise or even airline miles. When it comes to Prudential insurance premiums, 3,000 points translates to a $12 discount – a competitive rate when compared to some other rewards credit cards available.

The card has an annual fee of $194.40 but, in addition to 1 reward point for each dollar you spend, you also qualify for special privileges and benefits, including a concierge service and discounts at restaurants and hotels. New cardholders will receive up to $220 cashback.

Benefits of the Standard Chartered Prudential Platinum Credit Card

  • Earn rewards as you spend. Your card is automatically enrolled in the Standard Chartered 360° Rewards program, which gives you 5 points on eligible dining transactions and 1 point for almost every dollar in credit card spend. You can redeem your points for merchandise, tickets and with partners such as KrisFlyer. You can also receive up to 10X rewards points for every $1 spent in foreign currency on eligible overseas transactions with no minimum spend required. T&Cs apply.
  • Offset points against insurance premiums. You can exchange your 360° points for a discount on your Prudential insurance premiums at a rate of 3,000 points for a $12 discount.
  • 24/7 concierge. This Visa Platinum card entitles you to access Visa’s concierge service, which will give you 24-hour help with anything from travel arrangements to shopping and gift services.
  • Instalment plan. You can get a 0% instalment plan for up to 12 months when you buy at participating merchants. Just ask for the Standard Chartered instalment plan – there is no sign-up fee either.
  • The Good Life. Get access to special discounts and privileges at over 3,000 locations in the world thanks to your Standard Chartered Prudential Platinum Credit Card.

Features of the Standard Chartered Prudential Platinum Credit Card

The key feature of this card is the ability to reduce your Prudential insurance premiums. Also, keep the following features in mind when you consider the Standard Chartered Prudential Platinum Credit Card.

  • Annual fee. This card charges an annual fee of $194.40 and waivable in the first 2 years.
  • Supplementary cardholders. Give a card to family members and pool your rewards earning ability. Every time a supplementary card holder spends, you accrue rewards.
  • Rewards validity. The reward points you collect with this card are valid for three years.
  • Contactless payments. Pay conveniently for transactions of up to $100 by tapping your card on the card reader, or enrol your card with Google Pay, Apple Pay or Samsung Pay to easily pay with your mobile phone.
  • Protection against fraud. Thanks to the CardSafe Guarantee, you can rest assured that you’re protected against fraudulent transactions made online with your credit card.
  • EasyPay repayment plan. In exchange for a one-time service fee of 0.1%, you can convert a qualifying transaction of over $150 to an instalment plan over 3 to 12 months at 0% interest.

Application criteria

The Standard Chartered Prudential Platinum Credit Card could be a particularly good choice if you have an insurance policy with Prudential, but consider other credit card products too.

To apply for this card, you will need to meet the following criteria:

  • Be between the ages of 21 and 65
  • Be a resident of Singapore
  • Foreigners require a work permit that is valid for two years
  • Must have a minimum income of $30,000 p.a.
  • Foreigners must have a minimum income of $60,000 p.a.
  • Have a credit file in good standing

Required documents

  • Singapore NRIC or your passport
  • Proof of income and employment details
  • If a foreigner, your employment pass

This card is worth a look especially if you hold an insurance policy with Prudential, though the overall rewards and benefits package is comprehensive and will be appealing to many applicants.

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