Standard Chartered Smart cashback rate, cap and annual fee
Standard Chartered Smart pays 10% at Smart dining merchants, months of S$1,500+, and 7 other rates. Nothing at all below SGD 800 of spending a month — SGD 9,600 across a year. The card costs SGD 99.19 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Standard Chartered · Singapore · catalogue v117
Read from Standard Chartered's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Smart dining merchants, months of S$1,500+dining | 10.00% | —32 points per S$1 (10%) at Burger King, Domino's, KFC, McDonald's, Pizza Hut, Starbucks, Subway, The Coffee Bean, Toast Box and Ya Kun, in a month wit |
| Smart streaming merchants, months of S$1,500+entertainment | 10.00% | —32 points per S$1 (10%) at Amazon Prime Video, Disney+, HBO GO, iQIYI, Netflix, Spotify, Viu and YouTube, in a month with S$1,500 of spend. |
| SimplyGo and EV charging, months of S$1,500+travel | 10.00% | —32 points per S$1 (10%) at bus and MRT via SimplyGo and EV charging (MCC 5552, to 31 Dec 2026), in a month with S$1,500 of spend. |
| Smart dining merchants, months of S$800+dining | 8.00% | —25.6 points per S$1 (8%) at Burger King, Domino's, KFC, McDonald's, Pizza Hut, Starbucks, Subway, The Coffee Bean, Toast Box and Ya Kun, in a month wi |
| Smart streaming merchants, months of S$800+entertainment | 8.00% | —25.6 points per S$1 (8%) at Amazon Prime Video, Disney+, HBO GO, iQIYI, Netflix, Spotify, Viu and YouTube, in a month with S$800 of spend. |
| SimplyGo and EV charging, months of S$800+travel | 8.00% | —25.6 points per S$1 (8%) at bus and MRT via SimplyGo and EV charging (MCC 5552, to 31 Dec 2026), in a month with S$800 of spend. |
| months of S$1,500+everything else | 1.00% | —3.2 points per S$1 (1%) on non-bonus spend in a month with S$1,500 of spend. |
| everything else | 0.50% | —1.6 points per S$1 (0.5%) on all eligible spend; this is everything the card pays in a month under S$800. |
Questions people ask
What cashback does the Standard Chartered Smart pay?
10% at Smart dining merchants, months of S$1,500+, and 7 other rates.
Is there a cap on the Standard Chartered Smart?
No monthly cap is published on the rates shown here.
What is the annual fee on the Standard Chartered Smart?
SGD 99.19 a year.
Is there a minimum spend on the Standard Chartered Smart?
Yes — SGD 800 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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