If you’re looking for a credit card that offers cashback on all your spends, the Standard Chartered Unlimited Cashback Credit Card might be the one for you. This card lets you earn 1.5% cashback on every transaction, with no minimum spend and no cashback cap. Plus, you can enjoy other perks and privileges that come with being a Standard Chartered cardholder.
One of the key features of the Standard Chartered Unlimited Cashback Credit Card is its unlimited cashback offer. Unlike other cashback cards that have a cap on the amount of cashback you can earn, this card lets you earn as much cashback as you want. You can also enjoy other benefits such as discounts on dining, shopping, and travel, as well as exclusive access to events and promotions.
If you’re interested in applying for the Standard Chartered Unlimited Cashback Credit Card, it’s important to understand how the cashback mechanism works, as well as the fees and charges you’ll need to consider. In this article, we’ll take a closer look at the card’s key features and benefits, as well as provide an in-depth review of the card. You’ll also learn about the eligibility requirements and how to apply for the card. So, let’s get started!
Key Takeaways
- The Standard Chartered Unlimited Cashback Credit Card offers 1.5% cashback on all transactions, with no minimum spend and no cashback cap.
- Cardholders can enjoy additional perks and privileges such as discounts on dining, shopping, and travel.
- Understanding the cashback mechanism and fees and charges is important before applying for the card.
Key Features and Benefits
If you’re looking for a credit card that offers great cashback rewards, then the Standard Chartered Unlimited Cashback Credit Card might be the perfect choice for you. Here are some of the key features and benefits that you can enjoy with this card.
Unlimited Cashback Rewards
One of the most exciting features of the Standard Chartered Unlimited Cashback Credit Card is its unlimited cashback rewards. You can earn 1.5% cashback on all your spending, without any minimum spend requirement or cashback cap. This means that the more you spend, the more cashback you will earn. With this card, you can enjoy cashback rewards on all your purchases, whether it’s shopping, dining, or paying your bills.
No Minimum Spend Requirement
Another great feature of the Standard Chartered Unlimited Cashback Credit Card is that there is no minimum spend requirement. This means that you can earn cashback rewards on all your spending, no matter how small the amount. You don’t have to worry about meeting a minimum spend requirement to enjoy the benefits of this card. Whether you’re buying a cup of coffee or a new laptop, you can earn cashback on all your purchases.
Annual Fee Waiver
The Standard Chartered Unlimited Cashback Credit Card also comes with an annual fee waiver. You can enjoy the benefits of this card without having to pay any annual fee for the first two years. This means that you can save money while earning cashback rewards on all your spending. After the first two years, you can continue to enjoy the benefits of this card for a small annual fee.
Overall, the Standard Chartered Unlimited Cashback Credit Card is a great choice for anyone who wants to earn cashback rewards on all their spending. With its unlimited cashback rewards, no minimum spend requirement, and annual fee waiver, this card offers great value for money. Whether you’re a frequent shopper or a casual spender, this card can help you earn cashback rewards on all your purchases.
Understanding the Cashback Mechanism
If you are looking for a credit card that offers unlimited cashback, then the Standard Chartered Unlimited Cashback Credit Card is worth considering. This card offers 1.5% cashback on all eligible transactions, without any minimum spend or cashback cap. In this section, we will explain how the cashback mechanism works and what you need to know to maximize your rewards.
How Cashback is Calculated
The cashback you earn with the Standard Chartered Unlimited Cashback Credit Card is calculated based on the eligible transactions you make. For example, if you spend $100 on groceries, you will receive $1.50 cashback. The cashback will be credited to your account on the following statement cycle.
Comparing Cashback Caps
One of the advantages of the Standard Chartered Unlimited Cashback Credit Card is that it does not have a cashback cap. This means you can earn unlimited cashback on all your eligible transactions. However, some other cashback credit cards may have a cap on the amount of cashback you can earn in a month or a year. It is important to compare the cashback caps of different cards to choose the one that suits your spending habits.
Eligible Transactions for Cashback
To earn cashback with the Standard Chartered Unlimited Cashback Credit Card, you need to make eligible transactions. Some transactions may not be eligible for cashback, such as cash advances, balance transfers, and fees and charges. It is important to read the terms and conditions of your card carefully to understand what transactions are eligible for cashback.
In conclusion, the Standard Chartered Unlimited Cashback Credit Card is a great option for those who want to earn unlimited cashback on all their eligible transactions. By understanding how the cashback mechanism works, comparing cashback caps, and knowing the eligible transactions for cashback, you can make the most of your rewards.
Additional Perks and Privileges
As a Standard Chartered Unlimited Cashback Credit Cardholder, you get to enjoy a host of additional perks and privileges that make your experience even more exciting.
Dining and Travel Benefits
If you are a foodie or love to travel, you will be happy to know that the Standard Chartered Unlimited Cashback Credit Card has got you covered. You can enjoy up to 50% off on dining at selected restaurants, cafes, and bars across Singapore. This includes popular dining destinations such as The Fullerton Bay Hotel Singapore, The Ritz-Carlton, Millenia Singapore, and many more. Additionally, you can also enjoy exclusive travel deals, including up to 50% off on hotel bookings and up to 15% off on car rentals.
Insurance Premium Rewards
The Standard Chartered Unlimited Cashback Credit Card also rewards you for being responsible. You can earn up to $800 in cashback when you pay for your insurance premiums with your card. This includes premiums for life, health, and general insurance policies. This is a great way to save money on your insurance premiums while enjoying the convenience and security of paying with your credit card.
The Good Life Programme
As a Standard Chartered Unlimited Cashback Credit Cardholder, you can also take advantage of the Good Life Programme. This programme offers you exclusive discounts and privileges on shopping, dining, travel, and lifestyle experiences. You can enjoy up to 50% off on dining at selected restaurants, up to 25% off on spa treatments, and up to 20% off on shopping at selected stores. Additionally, you can also enjoy exclusive travel deals, including up to 50% off on hotel bookings and up to 15% off on car rentals.
Overall, the Standard Chartered Unlimited Cashback Credit Card offers a range of exciting perks and privileges that make it a great choice for anyone looking for a rewarding credit card experience. Whether you love dining out, travelling, or shopping, this card has got you covered.
Fees and Charges to Consider
When considering a credit card, it’s important to look at the fees and charges to ensure you’re getting the best deal for your money. The Standard Chartered Unlimited Cashback Credit Card is no exception. Here are some of the fees and charges you should consider before applying for the card.
Foreign Transaction Fees
If you’re planning on using your credit card overseas, you’ll want to pay attention to the foreign transaction fees. The Standard Chartered Unlimited Cashback Credit Card charges a foreign currency transaction fee of 3.5%. This fee is applied to all transactions made in a foreign currency, including online purchases made from overseas merchants.
Late Payment and Overlimit Fees
Late payment fees and overlimit fees can add up quickly and impact your credit score. The Standard Chartered Unlimited Cashback Credit Card charges a late payment fee of S$100 if you do not pay your minimum payment due by the payment due date. Additionally, if you exceed your credit limit, you’ll be charged an overlimit fee of S$40.
To avoid these fees, it’s important to make your payments on time and keep track of your spending to ensure you don’t exceed your credit limit.
Overall, while there are some fees and charges associated with the Standard Chartered Unlimited Cashback Credit Card, they are relatively standard for a credit card in Singapore. As long as you use the card responsibly and pay your bills on time, you can enjoy the benefits of unlimited cashback without incurring excessive fees.
Eligibility and Application
If you are looking for a credit card that offers great cashback rewards with no minimum spend requirement, then the Standard Chartered Unlimited Cashback Credit Card might be the right choice for you. Here’s what you need to know about the eligibility and application process.
Income Requirements
To be eligible for the Standard Chartered Unlimited Cashback Credit Card, you must meet the following income requirements:
- For Singaporeans and Permanent Residents, the minimum annual income required is S$30,000.
- For foreigners with an Employment Pass, the minimum annual income required is S$60,000.
Application Process
The application process for the Standard Chartered Unlimited Cashback Credit Card is simple and straightforward. You can apply for the card online or at any Standard Chartered Bank branch in Singapore.
To apply for the card, you will need to provide the following documents:
- A copy of your NRIC (for Singaporeans and Permanent Residents) or passport (for foreigners).
- Your latest computerised payslip or Tax Notice of Assessment.
- For self-employed individuals, a copy of your latest Income Tax Notice of Assessment.
Once you have submitted your application, it will take approximately 7-14 business days to process. If your application is approved, your new Standard Chartered Unlimited Cashback Credit Card will be mailed to you.
In summary, the Standard Chartered Unlimited Cashback Credit Card is a great option for those looking for a credit card with no minimum spend requirement and great cashback rewards. As long as you meet the income requirements and provide the necessary documents, the application process is simple and straightforward.
Cardholder Experiences
Are you curious about what other cardholders think about the Standard Chartered Unlimited Cashback Credit Card? Here are some of the experiences shared by customers who have used this card.
Customer Service and Support
Standard Chartered Bank has received positive feedback from customers regarding their customer service and support. Many customers have reported that the bank’s representatives are knowledgeable, friendly, and helpful. They have also praised the bank’s quick response time when it comes to addressing queries and concerns.
User Reviews and Feedback
The Standard Chartered Unlimited Cashback Credit Card has received mixed reviews from users. Some users have praised the card’s unlimited cashback feature and the absence of any minimum spend requirement. Others have reported issues with the website’s user interface, which they found to be confusing and difficult to navigate. Some users have also reported issues with the card’s cashback redemption process, which they found to be cumbersome and time-consuming.
Despite some negative reviews, the Standard Chartered Unlimited Cashback Credit Card remains a popular choice among customers who are looking for a credit card that offers unlimited cashback rewards without any minimum spend requirement.
Overall, the Standard Chartered Unlimited Cashback Credit Card is a great option for anyone looking for a credit card that offers unlimited cashback rewards. With its competitive rewards program and excellent customer service, this card is definitely worth considering.
Conclusion
Congratulations! You have now learned about the Standard Chartered Unlimited Cashback Credit Card. This card is perfect for those who want to earn cashback on their everyday purchases. With no minimum spend and no cashback cap, you can earn unlimited cashback on all your purchases.
The Standard Chartered Unlimited Cashback Card is a great choice for those who want to earn cashback without having to worry about any restrictions. You can earn 1.5% unlimited cashback on all your purchases, making it one of the most rewarding credit cards in Singapore.
In addition to the cashback rewards, the Standard Chartered Unlimited Cashback Card also offers a range of other benefits such as discounts on dining, shopping, and travel. You can also enjoy exclusive privileges such as airport lounge access and 24-hour concierge services.
Overall, the Standard Chartered Unlimited Cashback Card is a great choice for anyone looking for a credit card that offers unlimited cashback rewards and a range of other benefits. Apply for the card today and start earning cashback on all your purchases!
Frequently Asked Questions
What’s the excitement about the cashback on Standard Chartered’s Unlimited card?
The Standard Chartered Unlimited Cashback Credit Card offers unlimited cashback on all your spends with no minimum spend and no cashback cap. This means you can earn cashback on every purchase you make with the card. That’s exciting, isn’t it?
How does the Standard Chartered Unlimited card’s cashback compare to other cards in Singapore?
The Unlimited Cashback card’s cashback rate of 1.5% is competitive with other cashback credit cards in Singapore. However, it’s important to note that each card has its own unique features and benefits, so it’s essential to compare them to find the one that best suits your needs.
Are there any exclusions to be aware of with the Unlimited Cashback card?
Yes, there are some exclusions to be aware of. The Unlimited Cashback card does not offer cashback on certain transactions, such as cash advances, balance transfers, and payments to educational institutions, government institutions, and financial institutions. To learn more about the exclusions, you can refer to the card’s terms and conditions.
What’s the annual fee excitement for the Simply Cash Credit Card, and how does it stack up?
The Standard Chartered Simply Cash Credit Card has an annual fee of S$192.60, which is waived for the first two years. This fee is relatively low compared to other cashback credit cards in Singapore. However, it’s essential to consider other factors, such as the cashback rate and benefits, when comparing credit cards.
Can you tell me the buzz about the interest rates on the Unlimited Cashback card?
The Unlimited Cashback card has an interest rate of 26.9% p.a. on purchases and cash advances. This rate is relatively high compared to other credit cards in Singapore. However, it’s important to note that you can avoid paying interest by paying your balance in full every month.
Is the Standard Chartered Simply Cash or Smart Credit Card more thrilling for cashback rewards?
The Standard Chartered Simply Cash Credit Card offers a higher cashback rate of 1.5% compared to the Smart Credit Card’s 1% cashback rate. However, the Smart Credit Card offers additional benefits, such as discounts on petrol and dining. So, it’s essential to compare the features and benefits of each card to determine which one is more thrilling for you.
