Standard Chartered Unlimited Cashback Card | Cashback Credit Cards Singapore

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The Standard Chartered Unlimited Cashback Credit Card’s premise is straightforward: 1.5% cashback on everything, with no minimum spending requirement and no rebate cap. Read on to find more.

Standard Chartered Unlimited Cashback Card

As a no-fuss, anything-goes card, this is as straightforward as it gets. You can earn up to 1.5% cashback on all purchases, with no cashback cap or minimum spending requirements. While the 1.5% cashback rate offered by the card isn’t exceptionally high, the card’s strength lies in its simplicity. If you don’t keep meticulous track of your spending in various categories, the Standard Chartered Unlimited Cashback Card will definitely appeal to you. However, if you also have the Unlimited$aver account, you can earn up to $100 in bonus cashback per month. The catch is that you must have at least $100,000 in savings.

Fees

The Standard Chartered Unlimited Cashback Card is an entry-level card that requires a minimum annual income of $30,000. Aside from that, the card’s annual fee is waived for two years, whereas most credit cards only offer a one-year fee waiver.

Minimum Spend for Standard Chartered Unlimited Cashback Card

One of the best features of this card is that there is no minimum spend requirement to qualify for cashback. Even if you only spend $10 on your card for one month, you will still receive 1.5% cash rebates. It makes no difference what you use the card for, and you don’t have to worry about using it in the right spending categories because the 1.5% applies to almost everything (there are a few exceptions, like taxes and EZ Link top-ups).

On the other end of the spectrum, if you’re going through major (read: expensive) life changes like getting married, buying a new home, or embarking on a round-the-world trip to rediscover yourself, this hassle-free credit card will still provide the same 1.5% rebate on your sky-high expenses.

Rewards

The Standard Chartered Unlimited Cashback Card provides a flat 1.5% cashback on all purchases. The only way to increase this is to have an Unlimited$aver account with at least $100,000 in it. If this describes you, you can earn up to 1.5% cashback (up to $100) monthly. If you have $100,000 to put into a savings account, we recommend putting it in another savings account to earn higher interest.

Is the Standard Chartered Unlimited Cashback Card right for me?

The Standard Chartered Unlimited Cashback Card is ideal for first-time cashback credit card users. You don’t have to worry about spending categories and their cashback caps, or even meeting a minimum spend requirement. The lack of a minimum spend requirement is especially beneficial for students and new employees who may not have enough monthly expenses to meet the usual requirement ($600 or more) imposed by cashback credit cards in order to earn bonus rebates. Furthermore, because no spending categories limit your earnings, you can earn unlimited cashback on everything from McDelivery orders to Grab payments.

Speaking of which, if you have a forthcoming big expense (say, a wedding), the Standard Chartered Cashback Card allows you to earn unlimited cashback. There’s no need to be concerned about cashback caps!

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