Are you looking for a credit card that rewards you for every purchase you make? Look no further than the Standard Chartered Unlimited Cashback Credit Card in Singapore. This card offers a hassle-free way to earn cashback on all your eligible retail spends, with no minimum spend required and no cashback cap.
With the Standard Chartered Unlimited Cashback Credit Card, you can earn 1.5% cashback on all your eligible retail spends charged to the card. This means that every time you use your card to pay for your groceries, online shopping, or dining out, you’ll be earning cashback that you can use to offset your future purchases. Plus, with no minimum spend required and no cashback cap, you can earn as much cashback as you want, whenever you want.
If you’re interested in applying for the Standard Chartered Unlimited Cashback Credit Card, keep reading to learn more about its key features and benefits, how to understand the cashback rewards, fees and charges, and more. We’ll also cover how to use your card for various spending needs, eligibility and application, and how to manage your card efficiently.
Key Features and Benefits
If you are looking for a credit card that offers great rewards, the Standard Chartered Unlimited Cashback Credit Card could be the perfect choice for you. Here are some of the key features and benefits of this card:
Unlimited Cashback
With the Standard Chartered Unlimited Cashback Credit Card, you can earn unlimited cashback on all your spending. There is no minimum spend required, so you can earn cashback on every purchase you make, no matter how small.
No Minimum Spend Required
Unlike some other credit cards that require you to spend a certain amount each month to earn rewards, the Standard Chartered Unlimited Cashback Credit Card has no minimum spend requirement. This means you can earn cashback on all your spending, no matter how much or how little you spend.
Attractive Welcome Offers
When you sign up for the Standard Chartered Unlimited Cashback Credit Card, you can enjoy attractive welcome offers, such as cashback or bonus points. These offers can help you get more value from your spending and make the most of your new card.
In addition to these key features and benefits, the Standard Chartered Unlimited Cashback Credit Card also offers a range of other perks and privileges, such as discounts at selected merchants, travel insurance coverage, and more. With all these benefits and more, it’s easy to see why the Standard Chartered Unlimited Cashback Credit Card is such a popular choice for savvy shoppers in Singapore.
Understanding the Cashback Rewards
If you’re looking for a credit card that rewards you for your everyday spending, the Standard Chartered Unlimited Cashback Credit Card is an excellent choice. With this card, you can earn cashback on all your eligible retail spends. In this section, we’ll take a closer look at how the cashback rewards work.
How the Cashback Works
The Standard Chartered Unlimited Cashback Credit Card offers a simple and straightforward cashback programme. You can earn 1.5% cashback on all your eligible retail spends charged to the card. There’s no minimum spend required, and there’s no cap on the amount of cashback you can earn.
Eligible Spending Categories
All retail transactions except cash advances are considered eligible retail spends. This means you can earn cashback on a wide range of purchases, from groceries and petrol to dining and entertainment. You can also earn cashback on overseas spending, making this card an excellent choice for frequent travellers.
Tracking Your Cashback Earnings
It’s easy to track your cashback earnings with the Standard Chartered Unlimited Cashback Credit Card. You can view your cashback balance on your monthly statement or through online banking. Your cashback will be automatically credited to your account on the statement date following the month in which you earned the cashback.
Overall, the Standard Chartered Unlimited Cashback Credit Card is a great choice if you want a simple and hassle-free cashback programme. With no minimum spend requirement and no cap on the amount of cashback you can earn, this card is perfect for those who want to earn rewards on their everyday spending.
Fees and Charges
If you’re considering applying for the Standard Chartered Unlimited Cashback Credit Card, it’s important to understand the fees and charges that come with it.
Annual Fee and Waivers
The Standard Chartered Unlimited Cashback Credit Card has an annual fee of S$192.60. However, this fee is waived for the first two years for new cardholders. Additionally, you can enjoy a waiver of the annual fee for subsequent years if you spend at least S$6,000 in the previous year.
Other Potential Costs
Aside from the annual fee, there are other potential costs associated with the Standard Chartered Unlimited Cashback Credit Card. Here are some of the most important ones to keep in mind:
- Fees: The card has a cash advance fee of 6% of the amount withdrawn or S$15, whichever is greater. There is also a fee of S$100 for each replacement card requested.
- Overlimit Fee: If you exceed your credit limit, you’ll be charged an overlimit fee of S$40.
- Late Payment Charges: If you miss a payment, you’ll be charged a late payment fee of S$80.
It’s important to keep these fees and charges in mind when deciding whether the Standard Chartered Unlimited Cashback Credit Card is right for you. However, with its generous cashback rewards and other benefits, it’s still a great choice for many Singaporeans.
Using Your Card for Various Spending Needs
When it comes to using your Standard Chartered Unlimited Cashback Credit Card, there are various spending needs that you can use it for. Here are some of the most common ones:
Dining and Groceries
If you love dining out or cooking at home, you can use your Standard Chartered Unlimited Cashback Credit Card to earn cashback on your dining and grocery expenses. You can earn up to 1.5% cashback on all your spends with no minimum spend and no cashback cap. Additionally, you can earn 5x rewards points for every S$1 spent on dining transactions with the Standard Chartered Rewards+ credit card.
Online Shopping
Shopping online has become increasingly popular, and with your Standard Chartered Unlimited Cashback Credit Card, you can earn cashback on your online purchases. You can earn up to 1.5% cashback on all your online spends with no minimum spend and no cashback cap. Additionally, you can earn 10x rewards points for every S$1 in foreign currency spent overseas with the Standard Chartered Rewards+ credit card.
Transport and Fuel
If you are a frequent driver, you can use your Standard Chartered Unlimited Cashback Credit Card to earn cashback on your transport and fuel expenses. You can receive S$24 Caltex vouchers and 6 x S$4 off each fuel purchase with the Standard Chartered Manhattan World Mastercard. Additionally, you can convert your transactions into interest-free instalments with EasyPay.
Overseas Expenditure
If you are planning to travel overseas, you can use your Standard Chartered Unlimited Cashback Credit Card to earn cashback on your foreign currency expenses. You can earn up to 1.5% cashback on all your overseas spends with no minimum spend and no cashback cap. Additionally, you can earn 10x rewards points for every S$1 in foreign currency spent overseas with the Standard Chartered Rewards+ credit card.
Overall, the Standard Chartered Unlimited Cashback Credit Card is a versatile credit card that can be used for various spending needs. Whether you are dining out, shopping online, driving, or travelling overseas, you can earn cashback and rewards points on your expenses.
Eligibility and Application
If you’re looking for a credit card that rewards you for your daily expenses, the Standard Chartered Unlimited Cashback Credit Card is a great option to consider. Here’s everything you need to know about the eligibility criteria and application process.
Qualifying Criteria
To be eligible for the Standard Chartered Unlimited Cashback Credit Card, you must meet the following criteria:
- You must be at least 21 years old.
- You must have a minimum annual income of S$30,000.
- If you’re a foreigner, you must have a Singapore Employment Pass and a minimum annual income of S$60,000.
Application Process
The application process for the Standard Chartered Unlimited Cashback Credit Card is easy and straightforward. You can apply online or in person at a Standard Chartered branch. Here’s how to apply:
Apply Online
To apply online, follow these simple steps:
- Visit the Standard Chartered Unlimited Cashback Credit Card website.
- Click on the “Apply Now” button.
- Fill in your personal and financial details.
- Upload the required documents.
- Submit your application.
Once you’ve submitted your application, you will receive an email confirmation with the status of your application. If your application is approved, you will receive your credit card within 7-10 working days.
Apply in Person
To apply in person, visit a Standard Chartered branch with the following documents:
- Your NRIC or Passport (for foreigners)
- Your latest original computerized payslip or Tax Notice of Assessment
- Your latest original bank statement or CPF statement showing your salary credit
- If you’re a foreigner, you’ll also need to bring your employment pass and proof of residence.
After submitting your application, you will receive an email confirmation with the status of your application. If your application is approved, you will receive your credit card within 7-10 working days.
With the Standard Chartered Unlimited Cashback Credit Card, you can enjoy unlimited cashback on all your purchases, with no minimum spend required. So why wait? Apply for your card today and start earning cashback on your daily expenses!
Managing Your Card Efficiently
When it comes to managing your Standard Chartered Unlimited Cashback Credit Card, there are a few things you can do to make the process more efficient. Here are some tips to help you get the most out of your card:
Online Account Management
One of the best ways to manage your Standard Chartered Unlimited Cashback Credit Card is through the online account management system. You can access your account from anywhere with an internet connection and keep track of your spending, check your balance, and make payments.
To access your account online, simply log in to the Standard Chartered website using your username and password. From there, you can view your account details, set up automatic payments, and even download your statements.
Understanding the Terms of Use
It’s important to understand the terms of use for your Standard Chartered Unlimited Cashback Credit Card. This will help you avoid any surprises when it comes to fees, interest rates, and other charges.
You can find the terms of use for your card on the Standard Chartered website. Take some time to read through them and make sure you understand everything before you start using your card.
It’s also a good idea to keep a copy of the terms of use handy so you can refer to them if you have any questions or concerns.
Frequently Asked Questions
What splendid perks come with the cashback on the Standard Chartered Unlimited Credit Card?
The Standard Chartered Unlimited Cashback Credit Card is loaded with amazing perks, including an unlimited cashback of 1.5% on all your spends, with no minimum spend requirement and no cashback cap. Plus, you can earn up to 5% cashback on eligible transactions made within the first 3 months of card activation.
Can you enlighten me on the terms and conditions that govern the Unlimited Cashback Credit Card?
The terms and conditions of the Standard Chartered Unlimited Cashback Credit Card are straightforward. You can enjoy cashback on all your eligible spends, subject to a few exclusions like cash advances, balance transfers, and more. Additionally, you need to pay an annual fee of S$192.60, which is waived for the first 2 years. Please refer to Standard Chartered’s website for more information.
What’s the buzz about the Standard Chartered Unlimited Cashback Credit Card? Any reviews?
The Standard Chartered Unlimited Cashback Credit Card has received rave reviews from customers who have used it. Many customers have praised the card’s unlimited cashback feature, which allows them to earn cashback on all their spends, with no minimum spend requirement and no cashback cap. Customers have also appreciated the ease of use and the great rewards offered by the card.
How does one go about claiming the delightful cashback earned with the Standard Chartered Credit Card?
Claiming cashback earned with the Standard Chartered Unlimited Cashback Credit Card is easy. The cashback earned is credited to your account automatically every month, and you can redeem it at any time. You can also check your cashback balance and transaction history on the Standard Chartered mobile app or online banking portal.
Is there a foreign transaction fee attached to the Unlimited Credit Card, and how does it affect my cashback?
Yes, there is a foreign transaction fee of 3.5% charged for all overseas transactions made with the Standard Chartered Unlimited Cashback Credit Card. However, this fee does not affect your cashback earnings. You will still earn cashback on all your eligible spends, regardless of whether they are made in Singapore or overseas.
What are the interest rates applied to the Standard Chartered Unlimited Cashback Credit Card?
The interest rates applied to the Standard Chartered Unlimited Cashback Credit Card are 26.9% p.a. for purchases and 29.9% p.a. for cash advances. However, you can avoid paying interest on your purchases by paying your balance in full every month.
