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Standard Chartered Spree Credit Card

Standard Chartered Spree Credit Card

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Best for Contactless and Mobile Payments

Standard Chartered Spree Credit Card

Up to 3% Cashback

Online Spend

Up to SGD200 cashback

Sign-up Gift


Minimum Spend

If you like to pay for your local shopping with contactless payments, or if you make regular online purchases in foreign currencies and could do with cutting down your Vpost spend, the Standard Chartered Spree Credit Card might just be the perfect credit card for you.

SCB Spree Credit Card customers get to enjoy no minimum spend limits – but there’s a $30 cashback cap every calendar month and minimum annual income restrictions are a little on the strict side for foreigners.

Standard Chartered Spree Credit Card Rewards

  • Enjoy up to 3% cashback on all online spend in foreign currency, including Vpost spend
  • Get up to 2% cashback on all online spend in local currency when you use contactless and mobile payments – including Apple Pay, Google Pay and Samsung Pay
  • Earn 1% cashback on all other retail spend
  • Take advantage of 30% off Vpost shipping on standard shipments and/or standard air shipments to Singapore
  • Enjoy no minimum spend limits and tons of dining and retail spend benefits with the Standard Chartered Good Life program
  • Spending on food and dining will generally see you rake in just 1% in cashback earned, but the Standard Chartered Good Life program could help you enjoy greater privileges if you sign up.
  • The Standard Chartered Spree Card offers up to 20% savings on monthly fuel purchases – but you’ll need to use Caltex only for your petrol.
  • Get 3%, 2% or 1% cashback depending on the type of transaction and currency you use.
  • Enjoy no minimum spend when going on shopping sprees and get 3% cashback at retailers like Bloomingdales, Pottery Barn, Vpost and more.


  • No minimum spend or minimum purchase requirements
  • SCB Spree Credit Card holders can earn up to $30 cashback per calendar month
  • Earn up to 3% cashback on foreign currency spend, 2% on local currency spend and 1% on all other retail spend
  • Current sign-up bonus grants applicants $200 cashback on their first transaction
  • All customers will have their annual fee waived for the first two years


  • High minimum annual income requirement of $60,000 for foreigners
  • $30 cashback cap won’t suit everyone
  • Lower annual interest charges can be found with competitors’ credit cards
  • Savings on Vpost shipping fees won’t benefit those with a low Vpost spend
  • No option to use your Standard Chartered Spree Credit Card as an EZ Link pass

How to Apply

21 years old and above

Singapore and Permanent Residents


*who must have P1 or P2 Employment Passes

Annual FeeS$192.60 
Fee waiverWaive for First 2 Years 
Annual Interest Rate26.9% p.a.
Late Payment FeeS$100
Cash Advance Fee 6% per transaction, plus charges of 0.082% per day until full payment has been made
Minimum Monthly Spend / Monthly Payment:$0
Foreign Currency Transaction Fee1.8%
  • NRIC/Passport
  • Employment Pass
  • 6 months’ CPF statements or 3 months’ payslips
  • Income Tax Notice of Assessment (for self employed applicants)

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

How Does the Standard Chartered Spree Credit Card Compare with Other Credit Cards in Singapore? 

Want to see how the Standard Chartered Spree Credit Card compares against some of its major rivals? The table below looks at the key similarities and differences between several of the best credit cards and financial products on the Singaporean market right now:


Minimum Annual Income

Interest p.a.


Minimum Spend


Standard Chartered Spree Credit Card







Earn cashback of up to 3% on all online spend in foreign currency


Get 2% cashback on all local currency spending, including all contactless and mobile payments – such as Apple Pay, Google Pay and Samsung Pay

No minimum spend applies, but there is a $30 cashback cap each month

Get up to $200 cashback with your first eligible transaction using the latest sign-up bonus


Annual fee waiver for the first two years


10% off at Philatelic Store with minimum spend of $30


5% off SmartPac box range

Citi PremierMiles Credit Card







Earn miles at a fast miles per s 1 rate of:


4 Citi Miles per $1 on food deliveries and home entertainment


2 Citi Miles per $1 on foreign currency spend


1.2 Citi Miles per $1 on local spend

A minimum monthly spend or repayment of 1% plus 1% of any unbilled instalment amounts and interest charges applies


The above is sometimes replaced with $50, if this amount is higher

Get a current sign up bonus woth 10,000 Citi Miles on your card anniversary


Enjoy discounts on hotel bookings with Agoda


Take advantage of Esso and Shell petrol savings


Get complimentary travel insurance of up to $1 million when you buy Singapore Airlines and other travel tickets on your card

HSBC Advance Credit Card

$30,000 (Singaporean)





1.5% to 2.5% for regular customers


3.5% rate available to HSBC Advance Banking customers only

$2,000 per calendar month to secure 2.5% cashback rate


Monthly spend below $2,000 will attract base 1.5% reward rate only

1.5% to 2.5% cashback on local and international purchases


Earn an extra 1% cashback when you deposit fresh funds to your HSBC Everyday Global Account each month ($2,000 minimum)

DBS Takashimaya Visa / American Express Card

$30,000 (Singaporean)


$45,000 (Foreigner)


$30 worth of Takashimaya gift vouchers with every 100 Takashimaya bonus points


Even more perks available to Takashimaya Amex card members


Up to 300 Takashimaya bonus points per transaction for DBS Takashimaya Amex card holders


Redeemable Takashimaya gift vouchers and rebates for all DBS customers

American Express True Cashback Card

$30,000 (Singaporean)


$60,000 (Foreigner)


Up to 3.0%


Unlimited cap


Additional 1% cashback on foreign currency spend


No min spend or cap

POSB Everyday Card

$30,000 (Singaporean)


$45,000 (Foreigner)


0.3% for all purchases


Use SimplyGo as an MRT card to eliminate auto top up requirements


Link to your current account and/or debit card for more perks

Standard Chartered Spree Credit Card – Our Verdict 

As you can clearly see, anyone who relies on regular contactless and mobile payments when spending locally can reap huge rewards with the Standard Chartered Spree Credit Card – as can consumers who make a lot of foreign currency transactions.

That said, foreigners might struggle with SC’s sky-high minimum annual income requirements, while interest rates do tend to be more competitive elsewhere.

Frequently Asked Questions (FAQs) About the Standard Chartered Spree Credit Card

Among other perks, you’ll get 3% cashback on all online spend in foreign currency (including Vpost spend), 2% cashback on local currency transactions made via contactless and mobile payments, and 1% cashback on all other retail spend.

No, the Standard Chartered Spree Credit Card has no minimum spend or minimum payment requirement.

Yes, unfortunately there’s a cashback cap of $30 per month.

No, this will be based on your statement month instead.

No, sadly this is not currently possible due to the cashback cap imposed by Standard Chartered Bank. However, you should keep a close eye on the T&Cs governing the Standard Chartered Spree Card here for any unexpected rule changes.

Standard Chartered Spree Credit Card – Final Thoughts

Customers who make regular mobile payments and like to splash out on foreign currency spend will seriously enjoy the amazing benefits this particular Standard Chartered Bank cashback card has to offer – but is it really one of the best credit cards for you? Before you sign up, consider the following:

  • Those charges can rack up quickly if you pay late
    All credit cards have fees and charges, and your full payment amount each month with the Standard Chartered Spree Credit Card could end up being more than you expect if you don’t plan ahead.
  • Big spenders might not like the cashback cap
    The $30 cashback cap on this credit card could be pretty limiting for customers who like to spend big on their credit cards – so consider this before signing up.
  • Your cashback earned could be higher elsewhere
    Depending on your spending habits, you could potentially earn more cashback by considering a competitor’s cashback card instead. Always compare the market before you commit, particularly when it comes to price difference and savings variations based on your unique preferences.

For more details and in-depth reviews of the best credit cards in Singapore, check out Loan Advisor’s blog page. If you’re looking to compare credit cards or search for personal loans and other amazing financial products, Loan Advisor is here to help. 

Our loan comparison service can help you find and compare the best deals in Singapore just by sharing some basic personal information and outlining your requirements.

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