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SC Smart Credit Card
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Quick facts
SC Smart Credit Card
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SC Smart Credit Card
Lifetime-free card for dining and groceries.
Key Benefits
Realistic net value (moderate user)
$615/year
Annual fee
Free
Issuer headline rate: 6% — see calculator for caps
After $0 fee & $39 forex. Based on $2,400/mo spend.
12,400 users matched · Verified 2026-06-12
Zero sales calls. Ever.
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Our transparency commitment
✓ Reward caps shown in absolute S$ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative S$/point rates
Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.
All Benefits
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
- Dining/groceries: 6% (cap S$60/mo)
- 6% on groceries
- No annual fee
- Best for: Everyday spenders
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Flat cashback on spends — no points math
Reward Structure
Source: Issuer public T&Cs (Singapore, verified Jun 2026)
Dining/groceries
6%
Cap: S$60/mo
Example: $60/mo spend → ≈ $3.60/mo (max at cap)
Excluded categories (no rewards)
What You Actually Earn (in S$)
Absolute SGD estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
$654
Before fees & forex
Costs / year
$39
Fee $0 + forex $39
Net value / year
$615
2.14% effective return on spend
Category-wise breakdown
Dining & food delivery
Spend $300/mo · 6% cashback
$216/year
$18/mo
$300 × 6% = $18/moGroceries
Spend $500/mo · 6% cashback
$360/year
$30/mo
$500 × 6% = $30/moAll other eligible spends
Spend $1,300/mo · 0.5% cashback
$78/year
$6.50/mo
$1,300 × 0.5% = $6.50/moEstimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Formulas and assumptions: How we calculate NAV
Best for
- →Everyday spenders
Still deciding? Compare side-by-side or get a personalized shortlist.
Fees & Charges — Full Disclosure
All amounts in SGD. Everything that can reduce your net value.
Joining fee
Lifetime free card
$0
Annual / renewal fee
No renewal fee ever
$0
Forex markup
3.25% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically S$50–S$100 depending on balance — always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user net math
Formulas and assumptions: How we calculate NAV
Eligibility Snapshot
Public criteria from Issuer public T&Cs (Singapore, verified Jun 2026). Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with SC Smart Credit Card?+
At moderate spend ($2,400/mo), gross rewards are about $654/year. After the $0 annual fee, net value is approximately $615/year. Use the calculator above to model your own spends.
What is the minimum income for SC Smart Credit Card?+
$30,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
Insurance, Government payments, Balance transfers.
Does CardHungry pull my CBS score?+
No. We use public eligibility criteria only. The bank will check CBS when you apply.
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Compare all →Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.