Standard Chartered Bonus$aver: S$228 Cashback and Up to 5.85% Interest

Current S$228 Bonus$aver Sign-Up Offer

The current public offer runs from 1 July to 31 August 2026. To qualify:

• Apply for both a new Bonus$aver Account as the main account holder and a Bonus$aver World Mastercard Credit Card as the principal cardholder
• Have both applications approved
• Be aged 21 to 65 to apply for the Bonus$aver Credit Card
• Deposit at least S$50,000 in fresh funds by the end of the calendar month following account opening
• Maintain at least S$50,000 until the end of the second calendar month following the account-opening month
• Be new to Bonus$aver, without a Bonus$aver Account or Bonus$aver Credit Card suspended, cancelled or terminated in the previous 12 months

The S$228 will be credited to the principal Bonus$aver Credit Card account by the end of the fourth calendar month after account opening. Any unused cashback is forfeited six calendar months after card activation.

The Bonus$aver Credit Card has a stated annual fee of S$218 including GST, waived for the first year. The Bonus$aver Account has a S$5 monthly fall-below fee when its average daily balance is below S$3,000.

Read the official Bonus$aver sign-up offer terms before applying.

Open Your Bonus$aver Account via Singpass MyInfo

You can apply online using Singpass MyInfo. Singapore citizens and permanent residents applying with MyInfo generally do not need to submit documents. Foreigners and applicants whose income or employment details have changed may need to provide supporting documents.

Standard Chartered Bonus$aver Account Review (Singapore)

1 account, multiple ways to earn bonus interest

Key Features

Multi-currency features

• Transact in up to 14 currencies from the same account
• Convert at competitive FX rates
• Enjoy S$0 fees for overseas transactions charged by Standard Chartered (fees from other banks may still apply)
• Bonus interest applies to SGD balances only

Earn up to 5.85% p.a. interest

Bonus interest is currently driven by four elements:

• Salary credit
• Card spend
• Investment
• Insurance

To achieve the maximum advertised interest rate, you need to fulfil all four components.

Current qualifying requirements include:

• Salary credit of at least S$3,000 net per month via GIRO, PayNow, or FAST (with Purpose Code “SALA”)
• Eligible card spend of at least S$1,000 per month on your Bonus$aver Credit Card or Debit Card
• A qualifying investment of at least S$30,000 in eligible unit trusts or online equities through Standard Chartered
• A qualifying insurance policy with a minimum annual premium of S$24,000 (purchased through Standard Chartered)

The current interest components are:

• Prevailing interest: 0.05% p.a. on the entire balance
• Salary credit: 0.90% p.a. bonus interest on the first S$100,000
• Card spend: 0.90% p.a. bonus interest on the first S$100,000
• Invest: 1.50% p.a. bonus interest for six months on the first S$100,000
• Insure: 2.50% p.a. bonus interest for six months on the first S$100,000

Meeting only the salary and card-spend requirements produces a total rate of up to 1.85% p.a., including the prevailing 0.05% rate. Reaching 5.85% requires satisfying all four bonus categories, including the investment and insurance requirements. Always check the Standard Chartered Bonus$aver page for the latest rates and eligibility criteria before applying.

Lifestyle privileges

Enjoy additional The Good Life® privileges with your Bonus$aver World Mastercard Credit Card or Debit Card.

Check out the deals and benefits you can enjoy as a Standard Chartered cardholder at The Good Life®.