Personal Credit
Personal Credit is a revolving credit line that comes with a cheque book and an ATM card that enables you to withdraw cash instantly.

You now have the flexibility to fulfill your dreams as Personal Credit allows you to save on your credit card interest and gives you access to instant cash. Whether it’s for an investment opportunity, a relaxing holiday or simply as a standby line for extra cash, it’s really up to you!
Next Steps
Call: 1800 747 7000
Apply here now
Get more info
With Personal Credit, you'll enjoy
Higher spending power
       
  Instant cash up to S$100,000 or two times your monthly salary, whichever is lower, for all the things you want and need!
     
Greater Interest Savings
     
  With our lower interest rate, you’ll save a bundle by paying your outstanding credit card balances at other banks with your Personal Credit account.
     
Instant Cash Access and Convenience
     
  You can:
▪ Issue cheques using the cheque book provided to you
▪ Access cash via ATMs at:
  - 28 conveniently located Standard Chartered ATMs
- More than 140 atm5 Shared ATM Network island-wide and
- 90,000 Cirrus ATMs in more than 120 countries with your international ATM card
▪ Use Online Banking which gives you
      - Online cheques
- Internet Bill payment
- Internet Funds Transfer to other banks
- Set up Interbank GIRO to make regular payments
     
     
Greater Flexibility with Low Repayments
     
 

Enjoy greater flexibility in managing your cash flow with a low minimum repayment of only 3%
on your outstanding balance or a minimum of S$50. You can make payment via :
  ▪ Cheque
▪ Online Banking
▪ Cash payments at any Standard Chartered Branch or deposit cash at the ATM
   
 
 
How do I, Save with Personal Credit
 
    Personal Credit Other Bank’s Credit Card
  Outstanding Amount S$10,000 S$ 10,000
  Interest rate with Funds Transfer (For the first 6 months) 4.88% p.a. 24% p.a.
  Interest amount S$244 S$1,200
  YOU SAVE S$956 80% Savings
 
The above example is based on a simple illustration against other credit cards.

It’s easy! Simply indicate on the Funds Transfer form - the account name and number, amount to transfer, and we’ll issue a cheque for you.

Apply now to enjoy a rate as low as 4.88%p.a.* for 6 months! 

* The promotional interest rate applies only to the approved Funds Transfer amount(s) and not to any other amounts outstanding in the Personal Credit account. Such promotion rate(s) apply only during the promotion period from the date of the Funds Transfer. Thereafter, the interest rate applied on all outstanding balance would be at your Personal Credit's prevailing interest rate or at a rate determined by the Bank at its sole discretion. Interest is subject to compounding if it is not paid in full.
 
 
 
 
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