Standard Chartered Smart 2024 | Review & Guide

Standard Chartered Smart 2024 | Review & Guide

Written by
Demi Zhuang
Date published
January 25, 2024

This guide will provide you with key points on what you need to know to make the decision on whether to apply or not. I’ll share with you my personal experience using them too! 🙂 Hope this helps.


Reason Why This is Not to be Missed

This Credit Card complements the HSBC Revolution Credit Card very well. Great for ‘low spenders’ to earn some amounts of cashback on our already incurring expenses. Offering 6% Cashback or 5.6 miles per dollar specifically on the following -


✅ Versatile — Cashback or Miles, Choice is Yours

Similar to the HSBC Revolution, in the form of reward points, you’ll earn either 6% Cashback or 5.6 miles per dollar. If you’ve later, decided you don’t want cashback or miles you can switch around between the 2.

✅ No minimum Monthly Spending

No more going close to month end and be like ‘OMG, I’ve another $100 to spend in order to get 8% Cashback’ (😏 can you guess which card is this? haha)

Standard Chartered Credit Card
19.2 Reward points / $1
5.6 mpd or 6% Cashback
Monthly Cap
$818 / Statement Month
Annual Income Requirement
Annual Fee
Cashback Redemption
3,200 points for SGD$10
Transfer Fee for Miles
S$27.25 (GST included)
Points Validity
From their T&C - 360° Rewards Points awarded are valid for 3 years from the date of opening of the credit card account to which the points are credited to (“Initial Period”)
In simple words — all the points you earn during that initial 3 year period will expire on the same date, regardless of when they were actually earned.

How does the Reward Points work?

Points / $
Cap / Month
Credit Period
When transaction gets posted
14,400 points
Following statement cycle

What can you Redeem the Points for?


Full List here


360 Reward points only has these 2 transfer partners for miles -

34,500 points
10,000 miles
Cathay Pacific
34,500 points
10,000 miles

All Others

There are vouchers available on the platform to redeem with merchants like Baskin Robbins, Brotzeit, Dunkin Donuts, Courts Vouchers, CapitaVoucher BUT! When counting the conversion rates, you’re almost always better off redeeming the points for cashback instead. (3,200 points = S$10)

Qualified Spending for 6% Cashback | 5.6 Mpd

🍔 Fast Food

Subway, Burger King, McDonalds, KFC

🚌 Public Transportation

Bus & MRT

☕️ Coffee & Toast

Ya Kun, Toast Box, Fun Toast

📺 Digital Subscription

Netflix, Spotify, YouTube, Disney+

The usual Credit Card exclusions do apply. Refer to full T&C’s point 16.


✅ A must have if

  • You are looking for cards that has no minimum monthly spend requirement
  • 5.6 mpd or 6% Cashback

Sign up here

🎁 Gifts to choose between

  1. Dyson AM07 (worth S$459)
  2. Apple AirPods Pro 2nd Generation (worth $365.70)
  3. Apple iPad 9th Gen 10.2” Wifi 64GB (worth S$508.30)
  4. S$300 and get up to S$40 e-capitaland voucher

Spend $250 within 30 days of card approval ⏳ Promotion valid till 31 March 2024

How Much Points I’ve Accumulated in 2023?

5,963 points
Spent $273.28
1,728 miles

💡 SQ Biz Class from SG - Korea cost 52,000 miles

if this helps to put it into perspective 😅

🎥 Videos I’ve Done

Best No Minimum Spending Credit Card Combination

New to Miles? You MUST have a Plan on How you’re going to accumulate. Watch how I did this for myself.

How Much Miles I Accumulated in 2023