New StanChart Smart Credit Card: Up to 7.7 mpd on fast food, streaming services and SimplyGo

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Earn big rewards on fast food, streaming services and public transport with the new StanChart Smart Card, plus S$230 cash for new customers.

Standard Chartered has launched an intriguing new product called the Smart Credit Card. Leaving aside the somewhat unimaginative name, the value proposition is surprisingly solid: up to 7.7 mpd on fast food, streaming entertainment and bus/MRT rides. 

New-to-bank customers will enjoy a welcome gift of a pair of Marshall Mode II headphones (worth S$299) or S$230 cash, while existing customers will receive S$30 cash. New customers will also receive a complimentary Disney+ subscription of three months. 

Standard Chartered Smart Card

Sign Up Here
Income Req.Annual FeeFCY Fee
Regular EarnBonus EarnCap
Up to 0.64 mpd5.6 mpd/7.7 mpd on fast food, streaming, public transportS$818 per statement month

The Standard Chartered Smart Card is now open for applications, with a S$30,000 income requirement and no annual fee. 

Cardholders normally earn a very underwhelming 1.6 rewards points per S$1 spent (equivalent to 0.46/0.64 mpd- see the explainer below) on all spending.

Got Visa Infinite?

StanChart’s rewards ecosystem is much more favourable to those with a Standard Chartered Visa Infinite or Standard Chartered X Card. These cardholders can redeem KrisFlyer miles at an enhanced rate of 2,500 points = 1,000 miles.

All other cardholders redeem KrisFlyer miles at a rate of 3,500 points= 1,015 miles.

Here’s the fun part. If you have a Visa Infinite or X Card, all your rewards points can be redeemed at the 2,500 points = 1,000 miles rate. You can see this illustrated in my example below- the 100 points on my Rewards+ card are pooled with those from the X Card.

tl;dr: 1 SCB rewards point= 0.4 miles for Visa Infinite cardholders, and 0.29 mpd for all others.

However, if cardholders spend on fast food, streaming entertainment or public transportation (no min. spend required), they’ll earn:

  • the regular base rate of 1.6 rewards points per S$1 (0.46/0.64 mpd)
  • a bonus of 17.6 rewards points per S$1 (5.10/7.04 mpd)

This means a total earn rate of 19.2 rewards points per S$1 (5.57/7.68 mpd), capped at S$818 per statement month. That’s actually very good if you frequently spend on these categories.

🍔 Fast Food
  • McDonald’s
  • KFC
  • Subway
  • Burger King
  • Ya Kun Kaya Toast
  • Toast Box
  • Fun Toast
📺 Streaming Entertainment
  • Disney+
  • Netflix
  • Spotify
  • YouTube
🚆 Bus/MRT
  • SimplyGo

For comparison, the best alternative cards would earn “only” 4 mpd on such transactions (e.g. UOB Preferred Platinum Visa for mobile payments at fast food merchants, or the Citi Rewards for monthly streaming subscriptions).

The main catch is that the bonus earn rate is positioned as a limited-time promotion, valid till 31 December 2022

Update: A previous version of this article stated that the offer is only valid till 31 December 2021. SCB has clarified it should be 31 December 2022.

Get Marshall headphones or S$230 cash

Marshall Mode II headphones

From 8-25 October 2021, new-to-bank customers who sign up for a Standard Chartered Smart Credit Card will receive a pair of Marshall Mode II headphones (worth S$299) or SS$230 cash upon approval and a minimum spend of S$300 within 30 days. 

Existing cardholders will receive S$30 cash.

New-to-bank customers are defined as those who do not currently hold a principal Standard Chartered credit card, and have not done so in the 12 months prior. Existing cardholders must not have applied for the same card within the last 12 months.

To get your gift, follow the instructions below:

  1. Apply through any of the links in this article
  2. You will be directed to a SingSaver landing page. Enter your email address and click “confirm”
  3. Complete your application and take a screenshot of the Application Reference Number (for Standard Chartered, it’s in the format SGYYYYMMDDxxxxxx)
  4. Fill in the SingSaver rewards form that will be sent to your email. It’s vital you fill in the form– no form, no reward. You’ll be able to indicate your choice of gift in the rewards form if applicable.

The S$300 qualifying spend excludes the following:

  • any Equal Payment Plan (EPP) purchases,
  • refunded/ disputed/ unauthorised/ fraudulent retail purchases,
  • Quick Cash and other instalment loans,
  • bill payments made using the Eligible Card as a source of funds,
  • late payment fees
  • any other form of service/ miscellaneous fees
  • 6051 (Non-Financial Institutions – Foreign Currency, Non-Fiat Currency (for example: Cryptocurrency), Money Orders (Not Money Transfer), Account Funding (not Stored Value Load), Travelers Cheques, and Debt Repayment)
  • 6211 (Security Brokers/Dealers)
  • 4829 (Money Transfer) and 6513 (Real Estate Agents and Managers)
  • 8211 (Elementary and Secondary Schools)
  • 8220 (Colleges, Universities, Professional Schools, and Junior Colleges)
  • 8241 (Correspondence Schools), 8244 (Business and Secretarial Schools)
  • 8249 (Vocational and Trade Schools) and 8299 (Schools and Educational Services (Not Elsewhere Classified)
  • 9211 (Court Costs, Including Alimony and Child Support)
  • 9222 (Fines)
  • 9223 (Bail and Bond Payments)
  • 9311 (Tax Payments)
  • 9399 (Government Services (Not Elsewhere Classified))
  • 9402 (Postal Services – Government Only) and 9405 (U.S. Federal Government Agencies or Departments)
  • 8398 (Charitable Social Service Organizations)
  • 8651 (Political Organizations)
  • 8661 (Religious Organizations)
  • 7523 (Parking Lots, Parking Meters and Garages)
  • 7349 (Cleaning, Maintenance and Janitorial Services)
  • Any other charge, fee, transaction or payment as Standard Chartered Bank may stipulate from time to time

All gifts will be fulfilled within 4 months of approval. You will not receive your gift immediately upon meeting the minimum spend- the reason for the delay is the need to confirm eligibility with the bank. Please take note of this timeline before applying, and only apply if you’re willing to wait. 

For those who want to track the fulfillment of their reward, SingSaver provides estimated fulfillment timelines for Citibank and Standard Chartered cards on its website. 

Any enquiries about gift fulfillment should be sent to [email protected]

Get a free Disney+ subscription

Image: Disney+

If you’re a new-to-bank customer, Standard Chartered is offering a complimentary 3-month Disney+ subscription as well, with no minimum spend required.

Eligible cardholders will receive their Disney+ promotion redemption code within 60 working days of the date of activation of the physical card. This must be used within 3 months.

The T&C for this offer can be found here.


Sign Up Here

The Standard Chartered Smart Card could be a very useful companion to have, thanks to its upsized earn rate on fast food, streaming and public transport.

If your main card is a Standard Chartered X Card or Visa Infinite, it’s a no brainer to add this one to your wallet too. 

What do you make of the new Standard Chartered Smart Card?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

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If they won’t extend the bonus rate, this smart card might be dumped as a stupid card next year 😆

Enil Esav

Who’s going to binge on fast food for the next 3 month?




Meh Card


Good for bbfas I guess


Does existing customer need to spend 300 in order to get 30?


Does anyone know if McDelivery is included in the 7mpd promo?

Ray Daliao

Did anyone get their Disney+ free subscription link yet?



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