Standard Chartered Unlimited Cashback Credit Card Review

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Maximise your cashback rewards with the Standard Chartered Unlimited Cashback Credit Card, featuring an uncapped cashback on your credit card transactions.

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

Annual Fee

26.9%

Effective Interest Rate

S$30,000

Min Income - Singaporean and PR

Details

Product NameStandard Chartered Unlimited Cashback Credit Card
Reward1.5% cashback on all spend with no cap and no minimum spend
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

The card comes with several changing offers including 1-for-1 dining offers at participating restaurants with The Good Life® and discounts from selected merchants.

Standard Chartered has made it easy to earn a solid cashback rate on every dollar you spend since there are no caps on the cashback you can earn. You also avoid tricky minimum spending requirements and reap the full cashback rewards from the first day you open your account. Cashback is credited to your statement in the following month, so there is no need to redeem your earnings for coupons or credits.

Benefits of the Standard Chartered Unlimited Cashback Credit Card

  • Easy to manage cashback. You get 1.5% cashback on all of your credit card spend, no matter how often you use your card or what you pay for. This is a straight-forward way to get something back on your everyday credit card use.
  • Sign-up offer.S$80 cashback to new cardholders. S$20 cashback to existing cardholders. T&Cs apply. Ends 31 Dec 2019.
  • The Good Life offers and privileges. A Standard Chartered Unlimited Cashback Credit Card entitles you to a wide range of benefits and discounts, including discounts on your dining bill, gift vouchers when you book qualifying hotel stays and even discounts on wine subscriptions.
  • 1-for-1 Privileges. Enjoy 1-for-1 offers at a number of specially selected restaurants and bars across Singapore.
  • Preferred Credit Limit. You can indicate a preferred credit limit. Generally, credit limit can go up to 4X your monthly income if your annual income range is between S$30,000 to S$119,999, and can be stretched up to 8X your monthly income if your annual income is S$120,000 and above. Credit limit is subject to a cap of Up to S$250,000.
  • Caltex 2019 Promotion. Up to 21.04% petrol savings at Caltex stations. T&Cs apply. Valid till 31 Dec 2019.

Features of the Standard Chartered Unlimited Cashback Credit Card

These are some of the other important features of the Standard Chartered Unlimited Cashback Credit Card.

  • Annual fee. This card charges an annual fee of S$192.60 and waivable in the first 2 years.
  • EasyPay. Valid for retail purchases over S$500, EasyPay allows you to convert a transaction into an interest-free repayment plan across 6 or 12 months in exchange for a one-off service fee of 5%.
  • Funds transfer. You can transfer funds from your credit card to your bank account and repay at 0% interest. Minimum S$1,000 transfer for a loan tenure of 6-12 months, including a 0.7 – 4.5% one-time processing fee.
  • Contactless and mobile payments. Your card is compatible with Google Pay, Apple Pay, Tap & Go with Mastercard® and Samsung Pay, which makes paying at a merchant as simple as tapping your phone on the card reader.
  • Cashback for supplementary cardholders. The full 1.5% cashback benefits also apply to any supplementary cardholders you add to your account.

Application criteria

It’s easy to get 1.5% back on all your spending with this card, however, it is encouraged to compare other cashback cards on offer to weigh in the rewards most beneficial to you. If you think the Standard Chartered Unlimited Cashback Credit Card suits you best, click on the green “Go to Site” button to start the application.

You will need to meet the following criteria in order to apply:

  • Be between 21 and 65 years of age when applying
  • Have a minimum income of S$30,000 p.a. for Singapore Citizens and Permanent Residents
  • Have a minimum income of S$60,000 p.a. if you’re a foreigner
  • Q pass holders must have one year remaining validity on pass
  • Be a resident of Singapore

Required information/documents

  • Singapore ID card or passport
  • Copy of employment pass if you’re a foreigner
  • Proof of income, such as a payslip or a Tax Notice of Assessment
  • Commission earners require three months of income evidence

You can make sure you get a decent cashback rate on your entire credit card spend and also enjoy a range of benefits with the Standard Chartered Unlimited Cashback Credit Card.

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