Standard Chartered credit cards in Singapore are easiest to understand as two flat-rate cards and two specialists. The Simply Cash card pays 1.5% cashback on everything with no cap. The Journey card earns 1.2 miles per S$1 locally and 2 miles overseas. The Rewards+ card pays extra points on foreign currency and dining, and the Beyond card is a premium miles card with a four-figure fee.
Rates, caps, fees and points rules below are from Standard Chartered’s own pages, as at November 2026.
How We Put This Page Together
We took every figure from Standard Chartered Singapore’s card pages, card terms, 360° Rewards Programme terms and pricing guide.
We cover the four cards the bank promotes most widely to new applicants. We leave out the Smart card and the Platinum Visa/Mastercard, which the bank’s pages say are no longer open to new applications, and smaller co-brand and limited-credit cards listed on the bank’s site.
We do not quote sign-up gifts. We are not paid by Standard Chartered or any other issuer, and this page does not rank the cards.
Standard Chartered Credit Cards Compared
| Card | Type | What it earns | Cap | Minimum spend | Annual fee | Minimum income |
|---|---|---|---|---|---|---|
| Simply Cash | Cashback | 1.5% on all eligible spend | None | None | $196.20, first year waived | $30,000 |
| Journey | Miles | 1.2 miles per $1 local, 2 per $1 foreign currency, 3 per $1 on online transport, food delivery and groceries | 3-mile rate on first $1,000 a statement cycle | None | $196.20; first year can be waived | $30,000 |
| Rewards+ | Points | 10 points per $1 foreign currency, 5 per $1 dining in Singapore, 1 elsewhere | 20,000 extra points a card year | None | $196.20, first year waived | $30,000 |
| Beyond | Miles | 1.5 miles per $1 local, 3 per $1 foreign | Not stated | None | $1,635, no waiver | $200,000 |
Minimum income shown is for Singaporeans and permanent residents. Foreigners need $90,000 and an Employment Pass for the first three cards.
What Each Card Does, and Who It Does Not Suit
Simply Cash has one rule: 1.5% on eligible retail spending, credited in the following statement cycle and set against that bill. Its terms allow the bank to withdraw cashback if you miss the minimum payment. It does not suit a household that spends heavily in one category, where a category card pays more up to its cap.
Journey earns 3 Rewards Points per dollar in Singapore dollars and 5 in foreign currency, which the bank converts at 25,000 points for 10,000 KrisFlyer miles. The 3-mile rate covers online payments in Singapore dollars for transport, food delivery and groceries. The card page says mobile wallet payments do not qualify. It also lists two Priority Pass lounge visits a year. It does not suit people who rarely redeem flights.
Rewards+ pays its extra points only up to 20,000 a card year. At 9 extra points per dollar of foreign currency spend, that cap is reached after about $2,222. After that, everything earns 1 point per dollar. It does not suit frequent travellers who would pass the cap in one trip.
Beyond charges $1,635 a year including GST, with no waiver, and asks for $200,000 in income. Priority Banking customers earn 2 miles per dollar locally and 3.5 overseas. It includes unlimited Priority Pass lounge visits for cardholders. It does not suit anyone who would not use those benefits enough to cover the fee.
A worked example: 1.5% cashback or 1.2 miles
An illustrative cardholder spends $1,500 a month in Singapore dollars, or $18,000 a year.
- Simply Cash: $18,000 × 1.5% = $270
- Journey: $18,000 × 1.2 = 21,600 miles, less a $27.25 transfer fee
The break-even is ($270 + $27.25) ÷ 21,600 = about 1.4 cents a mile. If the flights you would actually book give each mile more than that, the miles card comes out ahead. If not, or if you are unsure you will redeem, the cashback card does.
If $300 of the monthly spend is online food delivery, ride-hailing and grocery orders, the Journey card earns 3 miles on that part: 3,600 × 3 + 14,400 × 1.2 = 28,080 miles. The break-even falls to about 1.1 cents.
From the second year, both cards carry a $196.20 fee unless it is waived. Illustration only, using Standard Chartered’s published rates as at November 2026.
The short version: Standard Chartered’s simplest cards pay 1.5% cashback or 1.2 miles per dollar with no minimum spend. The miles card wins only if you value a mile above roughly 1.4 cents and will redeem. Foreign currency spend costs 3.5% in fees on any of them.
How 360° Rewards Points Work
The Journey, Rewards+ and Beyond cards earn 360° Rewards Points. Simply Cash is outside the programme and pays cashback only.
Converting to miles. The programme terms cover KrisFlyer and Asia Miles and set the rate at 5 points for 2 miles, or another rate the bank specifies. The Journey card page confirms 25,000 points for 10,000 KrisFlyer miles, in blocks of 25,000 points. For other cards, check the rate shown on the bank’s rewards portal before you transfer.
Conversion fee. The pricing guide lists $27.25 including GST for each KrisFlyer transfer.
Expiry. This is the unusual part. Under the programme terms, points are valid for three years from the date the card account was opened, not from the date each point was earned. Points earned after that are valid until the end of the next three-year period. A point earned a month before the period ends has a month to live.
There are exceptions. The terms say points on the Visa Infinite card do not expire while the card is valid, and the Journey card page says its points do not expire.
Other uses. Points can also be redeemed for vouchers or cash credits on the bank’s rewards portal. Our cashback or miles guide shows how to compare those with a flight.
Annual Fees and Fee Waivers
The pricing guide lists $196.20 a year including GST for Simply Cash, Rewards+ and Journey. Simply Cash and Rewards+ are free in the first year. For Journey, the card page says the first-year fee is waived, while the card terms charge it from the first year unless otherwise stated, so confirm which applies when you apply.
On the Journey card, paying the fee at renewal earns 25,000 points, equal to 10,000 KrisFlyer miles. The card terms say a later fee waiver reverses that bonus. So the choice each year is between a waiver and buying 10,000 miles for $196.20, about 2 cents each.
The Beyond card’s fee is marked non-waivable. For the other cards, a waiver after the first year is something to ask the bank for, and it is at the bank’s discretion. Supplementary cards are generally free.
The Cost of Carrying a Balance
Standard Chartered’s card pages state an effective interest rate of 27.9% a year, charged daily from each transaction date if the bill is not paid in full, plus a $100 late payment charge.
On a $3,000 unpaid balance, that is roughly $70 a month. A year of 1.5% cashback on $18,000 is $270, so four months of that interest wipes it out.
MoneySense explains how interest extends to new purchases once you stop paying in full. If you are carrying a balance, start with the debt payoff calculator.
Foreign currency transactions cost 3.5%: a 2.5% bank fee and a 1% card scheme charge. Our guide to overseas card fees and dynamic currency conversion explains what that does to an overseas rewards rate.
What To Do Next
- Decide first whether you want cash or miles. The cashback vs miles calculator does the break-even for your own spending.
- If you hold a points-earning card, find your account opening date and the expiry date shown on the rewards portal.
- Check current terms on Standard Chartered’s credit card pages and its pricing guide. Rates and promotions change.
- Compare with other banks on our best credit cards in Singapore hub, the cashback cards comparison and the air miles cards comparison.
- Pay each statement in full, by GIRO if possible.
