Are your Standard Chartered reward points gathering dust in your account? Imagine transforming your everyday spending into exciting experiences, essential savings, or even your next holiday. With Standard Chartered’s 360° Rewards Programme, your accumulated points are more than just numbers on a statement—they’re your gateway to tangible value and memorable experiences.
The Standard Chartered 360° Rewards Programme in Singapore goes beyond traditional credit card rewards. It recognises not just your card spending, but also your broader banking relationship, including investments, deposits, and mortgages for eligible segments. This comprehensive guide will walk you through the process of redeeming your points, highlighting various redemption options and providing tips to maximise the value of your rewards.
Understanding Your Standard Chartered 360° Rewards Points
What are 360° Rewards Points?
360° Rewards Points are Standard Chartered’s loyalty currency, earned through eligible credit card spending and various banking activities. Every dollar you spend and every banking relationship you maintain contributes to your points balance, creating opportunities to unlock valuable rewards.
Checking Your Points Balance
Online via the 360° Rewards Redemption Platform:
- Navigate to the Standard Chartered Singapore website
- Access the dedicated rewards portal
- Log in using your banking credentials
Through the SC Mobile App:
- Open the Standard Chartered mobile application
- Select the rewards section from the main menu
- View your current points balance and transaction history
Points Expiry
Good news for Standard Chartered cardholders: 360° Rewards Points typically don’t expire, allowing you to accumulate points over time without the pressure of immediate redemption. However, it’s worth confirming with official sources whether specific card types have any exceptions to this policy.
Pooling of Points
Points from different Standard Chartered cards generally pool together in your account, making it easier to reach redemption thresholds. However, it’s important to note that redemption rates may differ between Visa Infinite and other card types, particularly for premium redemption options like airline miles.
Step-by-Step Guide: How to Redeem Your Standard Chartered Reward Points
Accessing the Redemption Platform
- Direct Access: Visit the Standard Chartered 360° Rewards Redemption Platform through the bank’s official website
- Mobile Access: Use the Standard Chartered Singapore mobile app and navigate to the rewards section
- Login Process:
- First-time users will need to register using their banking details
- Returning users can log in with their existing credentials
Navigating the Platform
The user interface is designed for intuitive navigation:
- Browse Categories: Explore different redemption options including e-vouchers, miles, and cash credits
- Search Function: Use the search bar to find specific rewards or brands
- Filter Options: Narrow down choices by category, point value, or popularity
The Redemption Process
- Select Rewards: Choose your desired reward items from the available categories
- Add to Basket: Build your redemption order by adding multiple items if desired
- Review Order: Confirm your selection and check point requirements
- Delivery Details: Specify delivery or retrieval preferences, particularly for e-vouchers
- Final Confirmation: Complete the redemption and receive confirmation via email
- Instant Access: For e-vouchers, retrieve them immediately from the platform
Popular Redemption Options in Singapore
E-Vouchers
E-vouchers offer instant gratification and incredible variety:
- Retail: Popular department stores, electronics retailers, and fashion brands
- Dining: Local restaurants, international chains, and food delivery platforms
- Lifestyle: Spa treatments, entertainment venues, and fitness centres
- Travel: Hotel bookings, tour packages, and travel accessories
The beauty of e-vouchers lies in their instant retrieval—no waiting for physical delivery or processing times.
Points to Miles Conversion
For travel enthusiasts, converting points to airline miles often provides excellent value:
Conversion Rates:
- Visa Infinite Cards: 2,500 points = 1,000 KrisFlyer miles
- Other Credit Cards: 3,500 points = 1,015 KrisFlyer miles
Available Programmes:
- Singapore Airlines KrisFlyer (primary partner)
- Note that Standard Chartered has recently reduced its transfer partners, with KrisFlyer remaining as the main airline programme
Important Considerations:
- A transfer fee of S$26.75 (inclusive of GST) applies for each rewards code used for KrisFlyer miles conversion
- The minimum transfer block for KrisFlyer is 10,000 miles
This option is particularly valuable for frequent travellers who can leverage miles for premium cabin upgrades or long-haul flights.
Points to Cash Credits
Convert your points directly to cash credits that offset your statement balance:
- Straightforward redemption process
- Immediate credit to your account
- Typical conversion rates vary based on your card type
Additional Redemption Options
Family Transfers: Share points with family members, subject to certain limitations Product Redemptions: Access to exclusive items through partnerships with premium brands Seasonal Promotions: Limited-time offers that provide enhanced value
Tips for Maximising Your Standard Chartered Rewards
Understanding Point Valuation
Calculate the effective value of your points across different redemption options:
- Compare cents per point for cash redemptions
- Evaluate cents per mile for travel redemptions
- Consider the practical value of e-vouchers for your lifestyle
Strategic Spending
Optimise Your Card Usage:
- Use Rewards+ cards for foreign currency transactions and local dining
- Take advantage of bonus point categories
- Leverage welcome bonuses and promotional offers
Banking Relationship Benefits:
- Consider how your broader banking relationship contributes to point earning
- Explore premium banking tiers that offer enhanced rewards rates
- Stay informed about programme changes through resources like The MileLion, which provides independent analysis of credit card rewards programmes in Singapore
Comparing Redemption Options
Before committing to a redemption:
- Calculate the value proposition of each option
- Consider your immediate needs versus long-term goals
- Factor in the convenience and usability of different rewards
Staying Informed
- Regularly check the rewards platform for new offers
- Subscribe to Standard Chartered communications for exclusive promotions
- Follow the bank’s social media channels for flash offers and updates
Common FAQs and Troubleshooting
“What if I don’t have enough points for a redemption?” Some redemptions may allow partial payment with cash or card, though this varies by offer.
“How long does it take to process a redemption?” E-vouchers are typically instant, whilst other redemptions may take 3-5 working days.
“What if I encounter issues with the redemption platform?” Contact Standard Chartered customer service through their hotline or visit a branch for assistance.
“Are there any fees associated with redemption?” Most redemptions are fee-free, though some premium options may have associated charges.
“What happens if I cancel my card?” Points are typically forfeited upon card cancellation, so redeem them before closing your account.
Conclusion

The Standard Chartered 360° Rewards Programme transforms your everyday banking and spending into valuable opportunities. Whether you’re seeking immediate gratification through e-vouchers, planning your next adventure with airline miles, or simply wanting to reduce your statement balance with cash credits, your accumulated points offer genuine value.
Don’t let your rewards remain dormant—start exploring the redemption platform today and discover how easy it is to unlock the full potential of your Standard Chartered rewards. Your points are waiting to be transformed into experiences, savings, and memories that enhance your lifestyle.