Standard Chartered Rewards - Guide to Points, Redemptions & Rewards Catalogue

There are many benefits to owning a credit card and using it responsibly. Perhaps the biggest one of all is the rewards you become eligible for simply by making everyday purchases. Standard Chartered is no exception and has an incredibly extensive rewards program which spans a multitude of different credit cards and indeed rewards you can claim. 

We’ve put together the following guide to give you all the information you need to know about SCB rewards. This includes a general overview, the main perks as well as a breakdown of what each of the 5 different credit cards offers so you can make the best choice based on your eligibility and overall requirements. 

Standard Chartered Rewards Program: An Overview

If you bank with Standard Chartered, have one of their credit cards and qualify for the set terms, then you will earn rewards on every purchase you make above S$1. All SC credit cards are available to those 21 or over and are dependent on income. The minimum income eligibility is S$30,000 which is applicable to 4 of the SCB credits cards or S$150,000 for their top-tier card. If you’re not local to Singapore the figure may be higher. 

Rewards are gained through earning points on all purchases including everyday items and larger purchases. If you are planning on making large purchases it makes sense to do so with a reward card as you can reap the benefits. You’ll also have better payment protection using a credit card compared with a regular debit card. 

You need a minimum of 2,000 points to redeem a reward. As with any reward scheme it really is worth saving up points as much as possible to redeem the best features rather than cashing in early. For example, 2,000 points will get you a $5 Jollibean voucher. However, on the other end of the scale, 250,000 points will get you 100,000 KrisFlyer miles with Singapore Airlines for Visa Infinite holders. For all other cards, 350,000 points will get you 101,500 KrisFlyer miles with Singapore Airlines. 

There are a total of 68 different rewards to choose from depending on what card you have. The rewards go up in steady increments making them accessible to all as well as varied in what they offer. So long as you regularly spend on the card the points will start to add up in the background just by spending as you normally would. There’s also a 360° rewards program which factors in your banking relationship with Standard Chartered as a whole. Points can be converted into airline miles or hotel stays with specific partners.

Standard Chartered Cards

There are 5 different Standard Chartered credit cards to choose from. Each has varying thresholds and rewards so it’s worth studying these in advance to make the best decision based on your income, spending habits and your reward preferences. 

All cards include SC ‘Easy Bill’, a credit card limit review, temporary credit limit increase, fund transfers, EasyPay, credit card payments, and a 0% interest instalment plan. 

Standard Chartered Visa Infinite

  35,000 bonus miles when you apply
  Complimentary 4 hour yacht hire when you spend $75,000 in 2019
  6 complimentary Priority Pass visits per year for principal card
  Earn up to 3 miles per $1 spent
  Discount hotel and resort privileges

Overview: The gold standard when it comes to Standard Chartered credit cards. As you’d expect the SCB rewards are in a league of their own compared with other cards. However, your minimum income needs to be at least S$150,000 and there’s a yearly fee of S$588.50 including GST. Late payments will incur a charge of $80 and your APR will jump from 26.90% to 28%. Now we’ve got the small print out of the way, here are the rewards you can expect:

  • 35,000 points for signing up
  • Earn up to 3 miles for every S$1 spent
  • Redeem an economy saver return ticket from Singapore to any destination (by spending a minimum of S$3,000 a month)
  • Comprehensive travel insurance including S$1,000,000 for accidental death. Also covered is loss of baggage, medical expenses, delays etc. 
  • Free 4-hour yacht hire when you spend $75,000 within a year
  • 6 complimentary priority passes for you and your family

Summary: An excellent choice for top earners who are specifically interested in gaining travel rewards. If you are a regular traveller you’re also going to benefit from comprehensive insurance cover thrown in which works out better and more convenient than buying it separately (especially versus single trip cover). 

Standard Chartered Unlimited Cashback Credit Card

  Get up to $80 cashback when you apply
  Up to 50% off Fullerton dining through April 2020
  1.5% cashback with no cap or minimum spend
  Up to 50% dining at Fullerton Hotels
  Up to 5% cashback with linked Unlimited$aver savings account

Overview: A great option for anyone looking to generate some passive income on the back of every purchase they make. 

  • Up to $100 cashback when you sign up
  • 1.5% cashback on all spends
  • No cap on maximum cashback
  • No minimum spend
  • Receive 1% cashback on the approved funds transfer amount
  • The Good Life® card offers and privileges 

Summary: A great starter credit card for those looking to increase their household income with zero effort involved. A top tip would be to put all the cashback into a high-yield savings account to generate even more passive income from your everyday spending habits. 

Standard Chartered MANHATTAN Platinum/ World Mastercard

  Up to 19.7% savings on Caltex petrol purchases
  One time cashback of up to $65 on your electricity bill
  Up to $800 cashback per year
  Exclusive Mastercard travel and shopping discounts
  Up 19.7% fuel savings at Caltex

Overview: The Standard Chartered MANHATTAN Platinum/ World Mastercard is ideal for anyone who is looking to earn benefits from retail spending as well as on everyday amenities. 

  • Up to S$800 cashback per year
  • S$65 cashback on your electricity bill (one-time offer)
  • Up to 20% savings on Platinum 98 with Techron® at Caltex
  • 12% discount on Expedia bookings
  • 15% off Strawberrynet website orders
  • 8% discount on
  • 5% off iHerb orders
  • Exclusive Banyan Tree Resort deals
  • Discount cinema tickets with Cathay Cineplexes
  • The Good Life® card offers and privileges 
  • Free shipping at Yoox

Summary: Ideal for everyday purchases particularly shopping and amenities. Unlike other Standard Chartered cards, there’s no real sway towards one particular benefit as it includes travel, cashback and discounts across various retailers. The only drawback is the limit on cashback which is capped at S$200 per quarter. 

Standard Chartered SingPost Spree Credit Card

  Get up to $80 cashback when you apply
  30% off shipping fees for standard air shipment to Singapore with vPost and receive a free voucher
  Up to $60 cashback monthly
  Earn 3% cashback on all online spend in foreign currency and vPost spend
  Earn 2% cashback on all online spend in local currency, all contactless and mobile payments

Overview: Only available to new credit cardholders. Unlike other Standard Chartered credits cards, it has no minimum spend. You can earn up to S$80 cashback when you apply and a further S$60 monthly cashback. 

  • Up to 20% savings on Platinum 98 with Techron® at Caltex
  • 15% off storage units at Lock+Store 
  • 10% off various Singapore Post services
  • 5% off various Smartpac ranges
  • 3% cashback on all online purchases in foreign currency 
  • 3% cashback on vPost purchases (with an additional 25% off shipping fees)
  • 2% cashback on all spends in local currency (including contactless and mobile payments
  • The Good Life® card offers and privileges 

Summary: Good for those who want to experience some credit card benefits without the pressure of having to spend set amounts each month. It would suit those who use a credit card alongside a debit card. As there are various postal benefits anyone who has an online business shipping goods may find it a handy credit card for business use. 

Standard Chartered PRUPrestige VISA Signature Card

  Receive $80 cashback when you apply
  Earn 1.5x points and use it to offset your insurance premiums
  Earn 1.5 points for every $1 spent
  Redeem points to offset Prudential Insurance premiums
  Complimentary privileges at a host of members-only establishments

Overview: Available by invitation only. The PRUPrestige focuses specifically on rewards points with 1.5 points given for every S$1.5 spent. Until May 31st 2020 new cardholders can get S$100 cashback, and you’ll also get S$80 when you apply. 

  • Up to 10X rewards points for every S$1 spent in a foreign currency
  • Up to 5X rewards points on eligible transactions 
  • Up to 1.5X rewards on all other eligible transactions
  • S$80 cashback upon application
  • Complimentary travel insurance
  • No annual fee for the first 2 years
  • Redeem points to offset insurance premiums
  • Complimentary privileges at members-only establishments  

Summary: The PRUPrestige is perhaps the most difficult Standard Chartered credit card to obtain aside from the Visa Infinite. However, in terms of reward points, the PRUPrestige is one of the most generous out there. The points given for foreign currency are ideal for travellers or those who are looking to use the card for business purposes. If you’re lucky enough to be invited and rewards points are your top priority, this is the card for you. 

Air Miles

Air miles are one of the most attractive rewards of any credit card, especially when they will accumulate simply by making everyday purchases. As we’ve discovered above, Standard Chartered credit cards either focus predominantly on air miles or offer them sparingly. If air miles are your top priority then this will sway your ultimate choice towards the Standard Chartered Visa Infinite (if you qualify for the minimum S$150,000 earnings threshold). For all other cards, 350,000 SCB reward points are required to cash in on the top level of miles. 

There are 10 air miles rewards to choose from which include 5 for Visa Infinite alone. The other 5 are applicable for all other Standard Chartered credit cards. All miles are for KrisFlyer miles which is the reward program specific to Singapore Airlines.

Visa Infinite

2,500 SCB reward points - 2,500 KrisFlyer miles
25,000 SCB reward points - 10,000 KrisFlyer miles
75,000 SCB reward points - 30,000 KrisFlyer miles
125,000 SCB reward points - 50,000 KrisFlyer miles
250,000 SCB reward points - 100,000 KrisFlyer miles

All Other Standard Chartered Cards

3,500 SCB reward points - 1,015 KrisFlyer miles
35,000 SCB reward points - 10,150 KrisFlyer miles
105,000 SCB reward points - 30,450 KrisFlyer miles
175,000 SCB reward points - 50,750 KrisFlyer miles
350,00 SCB reward points - 101,500 KrisFlyer miles

Note: A transfer fee of S$26.75 applies for all conversions of 360° rewards points.

360° Rewards

One of the best aspects of SCB rewards is that it takes into account your banking relationship as a whole. This includes your mortgage, selected investments, deposits, online transactions and overall portfolio of product holdings. Compared to other banks who only reward top-tier credit cards (if at all) this is pretty good going.

360° Rewards covers priority banking, preferred banking and personal banking. To qualify you must complete at least one banking transaction per month (excluding the payment of bills via online banking). The spending threshold varies between S$250 and S$1,500 depending on your account type. Your accumulated points can then be used against SC EasyRewards.

SC EasyRewards

The SC EasyRewards Programme allows eligible customers to gain further benefits from their 360° Rewards points. Customers can either offset points against ‘travel purchase qualifying transactions’, or convert them to airline partner miles or hotel partner points. 

SC EasyRewards points can be redeemed with the following partners: 

  • Air France KLM - Flying Blue
  • ALL - Accor Live Limitless
  • Emirates Skywards
  • Etihad Guest
  • EVA Air - Infinity MileageLands
  • IHG® Rewards Club
  • Lufthansa Miles & More
  • Malaysia Airlines Enrich
  • Qantas Frequent Flyer
  • Qatar Airways - Privilege Club
  • United Airlines MileagePlus

Purchase With Rewards

Purchase with rewards allows customers to pay for holidays directly with their reward points, and is exclusive to Standard Chartered Visa Infinite X Credit Card holders (issued in Singapore only). Only the principal cardholder is eligible for the rewards. 

Transfer Rewards

For Standard Chartered Visa/Mastercard cardholders. Transfer Rewards excludes Unlimited Cashback Credit Card, Spree Credit Card, Cashback Visa Gold, Cashback Mastercard Gold, the MANHATTAN Cards (S$500 Card/Gold/ Platinum/World Mastercard, and co-brand cards. Those who qualify can transfer their 360° Rewards Points for qualifying hotel or airline miles.

Additional SCB Rewards

We’ve touched briefly on some of the other benefits of owning a Standard Chartered Rewards Card. Now it’s time to delve in a little deeper into some of the other SCB rewards card holders are eligible for. Here’s a brief overview along with an in-depth description below the table. 

Reward Category Number of Rewards Available Reward Scale Minimum Points Needed to Claim
Cash Rewards (‘X’ Card) 1 S$100-S$100 25,000
Cash Rewards - All Other Cards 1 S$100-S$100 32,000
Dining 16 S$5-S$50 2,000
Family & Leisure 5 4*-5* Hotels 58,900
Shopping 23 S$10-S$100 2,700
Lifestyle 8 S$10-S$100 2,700
Luxury Selections 8 S$50-S$500 11,200


Cash Rewards

‘X’ Credit Card: Redeem S$100 with the rewards code ‘601002’ by cashing in 25,000 points. 

Other Standard Chartered credit cards: Redeem S$100 with the rewards code ‘601001’ by cashing in 32,000 points. 


Dining rewards with Standard Chartered span all cards and indeed dining options. This includes everything from a S$5 voucher for Jollibean (yours in exchange for 2,000 points) up to a S$50 voucher for TWG Tea (12,500 points). There are a plethora of high-end restaurants and casual dining options too. In total there are 13 different locations to choose from across Singapore. 


The shopping rewards are extensive and incredibly varied. Given shopping is how the points are most likely to tally up this makes sense. Though it’s definitely still appreciated. On the lower end of the scale, you can grab a S$10 voucher for Watson’s for 2,700 points. There are S$50 vouchers available for Al-Futtaim Retail Asia, Tangs, Isetan, Joyalukkas, and Frasers Property Malls. There’s also a S$100 voucher available for Joyalukkas in exchange for 26,400 points.
In total there are 23 shopping outlets you can redeem your reward points at. 

Family & Leisure

This category spans hotel days and there’s a choice of 4 to choose from. The points required vary from 58,900 for a 1-night stay at Courtyard by Marriott Singapore Novena, to 160,300 points for a 1-night stay at the W Singapore Sentosa Cove. All stays include breakfasts for 2 guests. Some cards (such as MANHATTAN Platinum) have additional discounts available for hotels too. The hotel stays are aimed at couples in a suite rather than a family stay, so perhaps this is one area that could be a little broader. Though given the hotels do include some of the most luxurious names in the hospitality industry it’s not bad going. 


Includes various amenities and tech stores. Redeem 2,700 points for a S$10 Caltex voucher. There’s also $100 vouchers available for Atlas Sound & Vision and Courts for 25,000 and 26,400 points respectively. There are 8 different lifestyle options in total to choose from.

How To Earn Points

You will earn reward points every time at least S$1 is charged to your applicable card. We’ve listed the points structure below which varies depending on which card you have. It’s worth keeping in mind points may be subject to fluctuations depending on the economy, special offers etc. 

Standard Credit Card

1 point per every S$1 spent

Standard Chartered PruPrestige Visa Signature Card

1.5 points per every S$1 spent

Standard Chartered Visa Infinite Card

2.5 points per every S$1 spent

How To Redeem Points

To redeem your Standard Chartered rewards points you first need to register with their online portal. From there you need to enter your details and link your applicable card(s) with the website. You can then view your points balance, browse rewards and select any rewards you wish to cash in based on the accrued amount.  

You’ll be given a voucher for every reward you redeem, except air miles and cash rewards. It can take up to 14 days to receive your voucher depending on the reward selected. Once you’ve redeemed your reward it can’t be exchanged or refunded so choose wisely.  

In addition, from November 1st 2019 it became possible to convert your 360° Rewards Points towards air miles or hotel stays. This makes it even easier to travel especially versus not having a rewards credit card at all. 

Notable Items

Depending on your rewards preference it could be argued that any of the 68 rewards are notable. However, something that caught our eye was the ‘Luxury Selections’ category. Here you’ll find rewards from the likes of Club 21, Bang & Olufsen, Georg Jensen, The Hour Glass, and Watches of Switzerland. Points needed to cash in on these retailers range from 11,200 to 138,900. Given the top voucher is S$500 it’s a pretty decent selection.

Standard Chartered Rewards Program Expiration Date

The expiration date varies for each reward type and associated vendor. Standard Chartered state users need to check their monthly credit card statement for specific expiry dates. 

Standard Chartered Rewards Card Summary

It’s abundantly clear that whichever Standard Chartered Rewards Card you choose, the benefits are wide-ranging. What’s excellent is that each of the cards spans different categories. That means whether cashback, travel or general benefits are your main focus you can choose the card to suit you. It goes without saying the Chartered Visa Infinite is the pick of the crop and offers some frankly extraordinary benefits - especially to frequent flyers. However, for those who don’t have a S$150,000+ income, the other more modest choices still offer some very lucrative rewards.