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Features of the Standard Chartered Unlimited Cashback Credit Card

  • Unlimited 1.5% Cashback on All Purchases: Earn a flat 1.5% cashback on all eligible retail transactions with no upper cap. Whether it's groceries, travel, dining, or online shopping, all spends are rewarded equally. For instance, a S$5,000 transaction yields S$75 cashback—credited directly to your account.
  • No Minimum Spend Requirement: There’s no minimum spend needed to qualify for cashback. Whether your monthly spend is S$50 or S$5,000, you will earn 1.5% cashback consistently on all eligible purchases, making it ideal for both light and heavy spenders.
  • No Cashback Cap: There’s no upper limit on cashback earnings, allowing high spenders to maximize rewards. For instance, an annual spend of S$100,000 would generate S$1,500 in cashback, with no restrictions. This feature is ideal for big-ticket purchases or frequent travelers.
  • Annual Fee Waiver for the First Two Years: New cardholders enjoy a two-year annual fee waiver, saving S$192.60 annually. After this period, fee waivers may be available based on spending or promotions, enhancing cost-effectiveness.
Credit Card Promotion
    • Virtual Credit Card for Online Transactions: The card includes a virtual credit card option for secure online purchases, offering the same 1.5% cashback. This feature protects your physical card details, reducing fraud risk for e-commerce and subscription payments.
    • Supplementary Cards with Shared Benefits: Supplementary cards for family members earn 1.5% cashback, credited to the primary cardholder’s account. This allows families to consolidate spending and maximize rewards, ideal for households with multiple spenders.
    • Contactless Payment Technology: Equipped with contactless payment capabilities, the card enables fast, secure transactions for everyday purchases, with 1.5% cashback on all contactless spends.
    • Global Acceptance with Visa or Mastercard: Issued under Visa or Mastercard, the card is accepted worldwide, ensuring reliability for local and international transactions. Past promotions offered enhanced cashback for foreign spends, so check for current offers.
    • Funds Transfer with Additional Cashback: The funds transfer program allows balance transfers with an additional 1% cashback on the approved amount, offering flexibility for large expenses or debt consolidation. Terms apply, so review carefully.
    • Integration with Standard Chartered Mobile Banking: The card integrates with the Standard Chartered Mobile app, enabling real-time tracking of transactions, cashback, and account management, enhancing user convenience.
    • Promotional Welcome Offers: New cardholders may receive up to S$170 cashback or S$138 cash credit upon meeting spending requirements within 30 days of approval. Check the Standard Chartered website for the latest promotions.
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Benefits of the Standard Chartered Unlimited Cashback Credit Card

  • 1. Consistent Cashback for Financial Savings:
    • Flat 1.5% Cashback: Earn 1.5% cashback on all eligible purchases, with no cap or minimum spend requirement—ideal for steady savings on everyday transactions.
    • High-Value Returns: For example, spending S$20,000 annually earns S$300 cashback, which directly offsets your credit card bills.
  • 2. Flexibility for All Spending Types:
    • Universal Cashback: Enjoy cashback on all categories—groceries, travel, online shopping, and dining—with no merchant or category restrictions.
    • Ideal for Varied Lifestyles: Whether you're a frequent traveler or a homebody, this card rewards all forms of spending equally.
    • Enhanced Security for Online Purchases: The virtual card feature ensures secure online transactions by masking your primary card details. Users also earn 1.5% cashback on eligible digital spends.
    • Rewards for Family Spending: Supplementary cards allow families to pool transactions. All eligible spending earns 1.5% cashback, credited to the primary cardholder’s account.
    • Convenience for Everyday Transactions: Contactless payment support and global card acceptance make this card ideal for daily use and travel. Cashback applies to all qualifying purchases.
    • Promotional Offers and Upsized Cashback: For a limited time, earn 2% cashback for the first 30 days. For example, a S$5,000 spend at 2% cashback yields S$100, compared to S$75 at the standard 1.5% rate.
    • Financial Flexibility with Funds Transfer: The card supports funds transfer for large transactions or debt consolidation. Cashback may apply—review applicable fees and interest rates for optimal use.
    • Seamless Digital Management: Use the Standard Chartered Mobile App to access your account, receive transaction alerts, and track cashback earnings in real time.
    • Potential for Long-Term Savings: With consistent usage, the cashback adds up significantly. For instance, spending S$2,000 monthly for five years yields approximately S$1,800 in cashback.
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How to Apply for the Standard Chartered Unlimited Cashback Credit Card

  • Required Documents:
    • For Singapore Citizens/PRs: NRIC (front and back), latest payslip or CPF contribution, IRAS Notice of Assessment (if self-employed), and proof of address (e.g., utility bill).
    • For Foreigners: Valid passport, employment pass, latest payslip, tax assessment, and proof of local residential address.
  • Application Channels:
    • Online: Visit www.sc.com/sg, select the card, fill out the form, upload required documents, and submit.
    • Mobile App: Apply using the Standard Chartered Mobile App with document upload and real-time tracking.
    • In-Branch: Visit a nearby Standard Chartered branch to fill out the application and submit physical documents.
    • Phone: Call 8885545255 and follow the instructions for remote document submission.
  • Application Process Timeline:
    • Day 1: Submit the completed application along with all required documents.
    • Day 2–5: Verification of identity, income, and residency documents.
    • Day 5–10: Credit assessment and internal eligibility checks.
    • Day 10–14: Receive approval status and delivery of credit card to your address.
  • Tips for a Successful Application:
    • Check your credit score before applying to avoid rejection due to poor history.
    • Ensure your income meets the minimum threshold for your residency status.
    • Submit clear, legible, and updated supporting documents.
    • Apply during promotional periods to get extra cashback or welcome rewards.
    • Avoid submitting multiple credit card applications at the same time.
    • Reach out to customer service for clarification if unsure about eligibility or documents.
  • Post-Approval Steps:
    • Activate the card via the Standard Chartered mobile app or customer care hotline.
    • Register for online/mobile banking to manage spending and monitor rewards.
    • Review cashback exclusions (e.g., government services, education fees, etc.).
    • Ensure you meet minimum spend requirements to qualify for welcome bonuses.
    • Enable contactless or digital wallet payments for convenience.

Eligibility Criteria for Standard Chartered Unlimited Cashback Credit Card

  • 1. Age Requirements
    • Primary Cardholder Age: Minimum 21 years
    • Maximum Age: 65 years (exceptions for high-net-worth individuals)
    • Supplementary Cardholder Age: Minimum 18 years
  • 2. Income Requirements
    • Singapore Citizens/PRs: Minimum annual income of S$30,000
    • Foreigners (EP/S Pass): Minimum annual income of S$60,000
    • Income Stability: Verified income over last 3–6 months required
  • 3. Employment and Residency Status
    • Employment: Must be salaried, self-employed, or own a business
    • Residency: Must be a Singapore Citizen, PR, or valid work permit holder
    • Foreign Nationals: EP/S Pass with at least 6 months’ validity
  • 4. Creditworthiness and Financial History
    • Credit Score: Strong score from Credit Bureau Singapore (CBS), ideally >1800
    • Debt-to-Income Ratio: Should not exceed 40%
    • Repayment History: No recent defaults or late payments
  • 5. Existing Standard Chartered Relationship
    • Having an existing SCB card or account with a good history may improve approval chances
  • 6. Card-on-Card (C2C) Eligibility
    • Applicants may apply using statements of another card with ≥S$4,000 limit
    • Payment history of the existing card will be evaluated
  • 7. MyInfo Integration
    • Applicants using MyInfo (SingPass) may benefit from instant approval and reduced documentation
  • 8. Documentation Requirements
    • Salaried: Latest payslips or CPF contribution history
    • Self-Employed: Latest Notice of Assessment and business registration
    • Foreigners: Copy of EP/S Pass and valid passport
  • 9. No Other Standard Chartered Credit Obligations (Optional)
    • Applicants without other unsecured SCB products may qualify for exclusive offers
  • 10. Special Categories
    • Applicants aged 56+ with income below S$15,000 may face additional conditions
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Documents Required for Standard Chartered Unlimited Cashback Credit Card

  • Proof of Identity:
    • Singapore Citizens and Permanent Residents:
      • NRIC (National Registration Identity Card): A copy of the NRIC (front and back) is required. This is the primary identity document for Singaporeans and permanent residents, containing a unique identification number used for all financial transactions.
      • Alternative ID Documents: In cases where the NRIC is unavailable (e.g., due to loss or renewal), applicants may submit a passport or other government-issued ID, subject to bank approval.
    • Foreigners and Expatriates:
      • Passport: A copy of the passport with at least 6 months’ validity is required.
      • Employment Pass or S Pass: A copy with at least 6 months’ validity is mandatory.
      • Other Work Permits: Dependent’s Pass with a Letter of Consent or similar documents may be needed.
    • Additional KYC Documents: (for international applicants)
      • Aadhaar Card
      • Voter ID Card
      • Driver’s License
      • PAN Card or Form 60
  • Proof of Income:
    • Salaried Employees:
      • Latest Computerized Payslips (last 3 months)
      • CPF Contribution History (last 12 months)
      • Bank Statements (last 3–6 months showing salary credits)
      • Letter of Employment (if newly employed or income is variable)
    • Self-Employed Individuals:
      • Income Tax Notice of Assessment (latest 2 years)
      • Business Registration Documents (ACRA profile)
      • Bank Statements (last 6 months showing business income)
    • Commission-Based or Variable Income Earners:
      • Bank Statements (last 6 to 12 months)
      • Contracts or Invoices (freelance/contract workers)
    • Foreigners:
      • Salary Certificate or Transfer Letter
      • Tax Returns (if applicable)
  • Proof of Address:
    • Utility Bills (not older than 3 months, in applicant’s name)
    • Bank Statements (showing residential address)
    • Rental Agreement (with applicant’s name and landlord details)
    • Government-Issued Documents (e.g., driver’s license)
  • Additional Documents for Specific Cases:
    • MyInfo Verification: Applicants using MyInfo may not need to submit physical documents unless discrepancies arise.
    • Supplementary Card Applications: NRIC/passport copy and proof of relationship (e.g., birth/marriage certificate).
    • Promotional Offers: May require additional documents like proof of employment tenure or account statements.
  • Tips for Document Submission:
    • Submit digital copies in PDF or JPEG format (<5MB each).
    • Ensure consistency across name, address, and income details.
    • Use Standard Chartered’s secure portal for uploads.
    • Keep backups of all documents in case of resubmission.

Factors Influencing Approval for Standard Chartered Unlimited Cashback Credit Card

    • Credit Score Assessment: High score (above 1800 on CBS scale) boosts approval chances. Reflects timely payments, utilization, and debt handling.
    • Payment History: No missed payments or defaults preferred. Recent delinquencies (within 12 months) may trigger rejection or require proof of recovery.
    • Credit Utilization Ratio: Below 30% usage is ideal and shows healthy credit management.
  • Debt-to-Income Ratio:

    A key measure of financial health:

    • Calculation of DTI: Total monthly debt divided by monthly income. Below 40% is ideal.
    • Impact on Approval: DTI above 50% may result in rejection. Moderate DTI may get lower credit limits.
    • Improving DTI: Reduce existing debts or show extra income sources for better approval chances.
  • Employment and Income Stability:

    Stable income proves repayment ability:

    • Employment Tenure: At least 6 months with current employer is favorable.
    • Industry & Employer Reputation: Preference for stable sectors (govt, healthcare, MNCs).
    • Self-Employment: Needs more documentation like tax returns, bank statements, and business stability proof.
  • Existing Relationship with Standard Chartered:

    Current bank customers may benefit:

    • Existing Accounts: Holding SCB accounts or cards helps faster, smoother approval.
    • Credit Limit on Existing Cards: A limit above S$4,000 is viewed positively.
    • Loyalty Benefits: Long-term responsible customers may get better limits or waived fees.
  • Application Timing and Market Conditions:

    External factors also matter:

    • Economic Climate: In downturns, criteria tighten (higher score/income needed); relax during growth periods.
    • Promotional Periods: Applications during offers (e.g., fee waivers) may have higher success rate.
    • Application Volume: Fewer applicants mean better chances; apply during low-traffic periods.
  • Use of MyInfo and Digital Verification:

    Efficient approval via digital tools (Singapore-specific):

    • Streamlined Verification: MyInfo enables instant verification from govt databases.
    • Accuracy and Completeness: MyInfo reduces errors; profile must be up to date.
    • Credit Limit Reviews: Facilitates faster, higher limit decisions based on verified income.
  • Additional Factors:

    Minor yet impactful considerations:

    • Application Completeness: Missing documents delay or disqualify applications.
    • Credit Card Portfolio: Multiple cards from other banks may raise total exposure concerns.
    • Behavioral Factors: Existing SCB behavior (spending, payments, usage patterns) influences approval.

Frequently Asked Questions (FAQs) - Standard Chartered Unlimited Cashback Credit Card

1. What is the cashback rate on the Standard Chartered Unlimited Cashback Credit Card?
The card offers 1.5% unlimited cashback on all eligible spends with no minimum spending requirement.
2. Is there a cap on cashback earnings?
No, the cashback is unlimited. You earn 1.5% cashback on all eligible transactions without any upper limit.
3. Are there any exclusions to cashback earnings?
Yes, cashback is not applicable on the following:
  • Fuel purchases
  • Wallet reloads (e.g., Paytm, Mobikwik)
  • EMI transactions
  • Cash advances
  • Fees and charges
4. How and when is the cashback credited?
Cashback is credited to your card account within 14 days from the statement generation date.
5. What is the annual fee for this card?
The card has an annual fee of ₹999 + GST. This fee is waived if you spend ₹1 lakh or more in the previous year.
6. Is there a joining fee or welcome benefit?
Some promotional offers may include zero joining fee or special welcome rewards. Please check the latest terms before applying.
7. Does this card have any fuel surcharge waiver?
No, fuel transactions are excluded from cashback and do not qualify for a fuel surcharge waiver.
8. What are the eligibility criteria for this card?
The card is available to salaried or self-employed individuals with:
  • A good credit score (usually 750+)
  • A minimum income (varies by city and applicant profile)
9. Can I convert purchases into EMIs?
Yes, large transactions can be converted into No-Cost EMIs, subject to the bank's terms and conditions.
10. How do I redeem my cashback?
Cashback is automatically adjusted against your outstanding balance. No manual redemption is required.

List of Standard Chartered Unlimited Cashback Credit Card Andhra Pradesh Branches

  • Anantapur - Kamala Nagar
  • Andhra Pradesh - Guntakal
  • Hindupur - M F Road
  • Tadpatri - Yellanur Road
  • Dharmavaram - Rtc Bus Stand
  • Kadiri - Main Road
  • Rayadurg - Market Street
  • Kalyandurg - Bellary Road
  • Anantapur - Gooty Road
  • Chittoor - Vellore Road
  • Tirupati - Annamayya Circle
  • Andhra Pradesh - Madanapalle
  • Kuppam - T B Road
  • Punganur - M B Street
  • Palamaner - M B T Road
  • Srikalahasti - Temple Street
  • Chittoor - Gandhi Road
  • Nagari - Bazaar Street
  • Puttur - Tirupati Road