Standard Chartered Rewards+ Credit Card Review

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Earn up to 10x rewards points with every dollar spent on foreign currency and enjoy an annual fee waiver for 2 years.

S$0 annual fee for 2 years - S$192.60 thereafter

Annual Fee


Effective Interest Rate


Min Income - Singaporean and PR


Product NameStandard Chartered Rewards+ Credit Card
RewardUp to 10X rewards points for every S$1 spent in foreign currency
Effective Interest Rate26.9%
Interest Free PeriodApplicable if you choose to make full payment
Maximum Credit LimitUp to S$250,000
Minimum Monthly RepaymentThe higher of S$50 or 1%.
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More Info

A rewards card with attractive lifestyle benefits, the Standard Chartered Rewards+ Credit Card is designed to help frequent travellers, online shoppers and diners to reap the most rewards for their purchases.

For every S$1 spent on foreign currency, including online purchases, you can earn up to 10x rewards points. Local dining transactions are also eligible for up to 5x accelerated rewards points. In addition, cardholders are entitled to extra perks such as complimentary travel insurance as well as exclusive dining, lifestyle and shopping deals.

Compare the features and fees of the card to find out if it is right for you.

Benefits of using the Standard Chartered Rewards+ Credit Card

Here are some of the features you can expect with the Standard Chartered Rewards+ Credit Card:

  • 10x rewards on overseas spend. The main draw of this card is that it offers up to 10x rewards points per S$1 spent overseas on dining, retail shopping and travel transactions. No minimum spend is required for the program. Online transactions in foreign currencies are also eligible for 10x rewards. However, note that the bonus rewards are capped at 20,000 points per year. Once the cap is reached you’ll earn 1 point per S$1 for all transactions.
  • 5x rewards for local dining. Earn up to 5x rewards points for every S$1 spent on local dining transactions, excluding hotel dining. No minimum spend required but note that the 20,000 bonus rewards cap applies.
  • Exclusive dining and lifestyle privileges. Enjoy exclusive offers such as 1-for-1 Platinum Movie Suites tickets at Cathay Cineplexes and up to 50% off a la carte dining and selected buffets at The Fullerton Hotel Singapore and The Fullerton Bay Hotel Singapore.
  • Sign-up offer. S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.
  • Caltex 2019 Promotion. Up to 19.78% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019.

Features of the Standard Chartered Rewards+ Credit Card

Some of the main features of this card are:

  • Annual fee. The annual fee for this card is S$192.60 and it’s waived for the first 2 years.
  • 0% interest instalment plan. Standard Chartered offers 0% interest instalment plan and flexible repayment terms up to 36 months so you can take charge of your finances.
  • Complimentary travel medical insurance. Charge your full travel fare to your card and have peace of mind when you’re abroad with Complimentary travel insurance up to S$500,000.
  • The Good Life® privileges. Access a wide array of perks when you shop or dine at Standard Chartered’s participating merchants, from instant discounts to cash rebates and 1-for-1 offers to free vouchers.
  • Fraud protection. Standard Chartered’s CardSafe Guarantee provides protection from unauthorised charges when you shop online.
  • Eligible for mobile payments. You can also link your card with Apple Pay, Google Pay or Samsung Pay to make fast and secure payments with your smartphone.
  • Contactless payment. This card also comes equipped with Visa payWave technology, which lets you tap your credit card against a contactless terminal to pay for purchases under S$100.

How to apply for the Standard Chartered Rewards+ Credit Card

If you have compared your options and are ready to apply, click Go to site on this page to begin your online application. Before you apply though, make sure you meet the following eligibility requirements.

Eligibility criteria

  • Earn at least S$30,000 p.a. if you’re a Singaporean or permanent resident, or S$60,000 if you’re a foreigner
  • Have a good credit rating
  • Be at least 21 years old but not older than 65 years of age
  • Foreigners must be holders of P1, P2 or Q type Singapore employment passes
  • Foreigners with Q pass must have at least one year validity left on their passes

Required documents

Keep the following documents and details on hand to help speed up your application process.

Earning accelerated rewards points on overseas spending and local dining with the Standard Chartered Rewards+ Credit Card is definitely a feature to consider. However, this isn’t the only card of its kind on the market, so make sure you compare a range of other rewards cards to find one that suits your lifestyle.

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