Credit Card Compare

Rewards+ Credit Card

Data last updated 27 October 2026
27.90%
Purchase rate
S$0
Annual fee
22 days
Interest-free

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Rewards+ Credit Card card
Application

CardIQ

47Fair

Fair

Overall score, out of 100 · How this works

  • No annual fee39
  • Rewards52
  • Sign-up bonus39
  • Travel59

Customer reviews

No reviews yet. Be the first to review the Rewards+ Credit Card.

Pros & cons

What's good

  • No annual fee.
  • Earns 5 points per S$1 on bonus categories and 10 points per S$1 on overseas spend.
  • No fee to add an additional cardholder.

Worth noting

  • The annual fee increases from S$0 to S$196 in the second year.
  • Earns 1 point per S$1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.
  • Up to 22 interest-free days on purchases (below the 22-day median).

Card details

The basics

Additional cardholder fee
S$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Standard Chartered 360° Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporean Citizens & PR; Foreigners holding P1, P2 or Q type Singapore Employment Passes
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
29.90% p.a.
Purchases
27.90% p.a.

Fees

Additional cardholder fee
S$0
Annual fee
No annual fee
Annual fee (year 2+)
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.5%
Late payment fee
S$100
Over limit fee
S$40

Repayments

Interest-free period
Up to 22 days on purchases
Minimum repayment
The greater of either S$50 or 1% of principal (including any instalments billed in current month); plus interest, fees and charges; and overlimit amount and past due amount (if any).

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
1 pt per S$1
Bonus categories
5 pts per S$1 in bonus categories
Other purchases
None
Overseas spend
10 pts per S$1 on overseas spend
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual feeS$196 a yearBetter than most (13th of 41 cards)
Purchase rate27.90%Middle of the market (21st of 41 cards)
Interest-free days22 daysMiddle of the market (15th of 29 cards)
Rewards valueS$144 a yearNot as good as most cards (18th of 24 cards)
Overseas fee3.50%Among the weakest we track (37th of 41 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for SingaporeHow CardIQ scores cards
Issuer
Standard Chartered