2025 Card Review: Standard Chartered Smart Card
- MilesWise
- Feb 17
- 3 min read
Updated: Mar 6
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The Standard Chartered Smart Card continues to make waves with its uncapped 9.28 mpd (or 10% cashback) on select categories. But does it live up to the hype? Let’s break it down.
Standard Chartered Smart Card: MileWise Card Rating for 2025
☐ Core Card to Use 🔥
☐ Use Only When There Is a Promotion 🎯
☐ Apply Only for Sign-Up Bonus (SUB) 💰
☑ Don't Bother Applying 🚫
MileWise Commentary: I been hearing a bit of chatter for this card, as its uncapped 9.28 mpd (or 10% cashback) seem impresive. While the card still has some niche appeal—like being the only card with EV charging as a bonus category—its narrow merchant whitelist and high minimum spend thresholds make it impractical for most. Unless you’re a fast food fanatic or an EV enthusiast, the Smart Card is hard to recommend. Instead, check out the best 4-6mpd credit card in Singapore.
Key Features of Standard Chartered Smart Card
0.46 mpd for general spending
Up to 9.28 mpd on fast food, streaming, SimplyGo and EV charging
Requires S$1,500 minimum spend to unlock highest bonus rates
Spending on non-bonus categories to meet the minimum spend will work, but it will bring down the weighted average of your miles earned.
Annual fee waiver will be granted if you spend at least S$10,000 in a membership year
Who Should Use the Standard Chartered Smart Card
I want to say no one, but to be fair:
High spenders who can consistently hit the S$1,500 monthly minimum spend on fast food, streaming, SimplyGo and EV charging
Follow These Tips to Maximise Your Miles from the Standard Chartered Smart Card
Spending as much as possible on bonus categories – Since the base earn rate is only at 0.46mpd, it makes sense to shift as much spend as possible to fast food, streaming, SimplyGo, and EV charging to meet the threshold.
Opt for miles over cashback – 9.28 mpd is worth more then 10% cashback based on a 1.5cents mile valuation
Final Thoughts: Should You Get the Standard Chartered Smart Card?
If your spending habits align perfectly with the bonus categories and you can meet the minimum spend, this card is worth considering. However, for most people, the restrictive merchant list and high threshold make it more hassle than it’s worth. You’re likely better off with a card offering consistent 4-6 mpd across a wider range of merchants.
What’s your take on the Standard Chartered Smart Card? Let me know in the comments/poll!
Enjoyed this article? Find more tips to accelerate your miles game! ✈️💳
Survey: Standard Chartered Smart Card
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Standard Chartered Smart Card Technical Specifications
🏷️Annual Fee: | $99.19/year |
|---|---|
💰 Income Requirement: | $30,000/year |
🌍 Foreign Currency Fee: | 3.5% |
⏳ Points Expiry: | Up to 3 years |
✈️ Transfer Partners: | KrisFlyer, Asia Miles |
🔄 Transfer Ratio: | 34,500 : 10,000 |
📦 Transfer Block: | 5,000 UNI$ (10,000 miles) |
💳 Transfer Fee: | $27.25 per transfer |
🔗 Points Pooling: | No |
📌 How/When Points Are Credited: | Base and bonus points will be credited together at the start of the following statement cycle. |
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