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Standard Chartered Simply Cash Credit Card

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Summary

Standard Chartered Simply Cash Credit Card

The Standard Chartered Simply Cash Credit Card is a straightforward cash-back card that offers a flat cash-back rate of 1.5% and no minimum spend or cap, perfect for fuss-free users who dislike tracking their credit card cash-back transactions.

Singsaver Exclusive Promotion: Receive a Dyson Supersonic™ hair dryer (worth S$699) or The Morning Machine + 20 Capsules Bundle (worth S$684) or Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30) or Up to S$420

  • Promotion is valid for new Standard Chartered credit card members
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards

Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval

Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval

Note: Effective January 1st, physical card activation is now required to receive gifts, instead of solely activating digitally.

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • Earn 1.5% cashback on all eligible spend with no minimum spend
  • Cashback when activating your Simply Cash Credit Card and for each successful referral
  • Apply for an Instant Digital Credit Card online

2) Benefits

Cashback
  • Earn 1.5% cashback on all eligible spend with no minimum spend
  • No cashback cap 
  • S$288 cashback when you activate your Simply Cash Credit Card
The Good Life Privileges
  • Enjoy access exciting privileges, promotions and benefits with your Standard Chartered Simply Cash Credit Card such as:
  • TANGS - Up S$40 voucher or promo code
  • Caltex - Up to 20.7% savings and more
  • Agoda - Up to 18% off accommodation worldwide
  • Expedia - Up to 20% off eligible hotel bookings
  • Standard Chartered Singapore Marathon 2023 - 15% off registration fees

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$60,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST)
  • Supplementary card annual fee: S$0
  • Late payment fees: S$100
  • Repayment grace period: At least 22 days from billing/statement date
  • The minimum payment due will be:
  • (i) the greater of either S$50 or 1% of principal (Including any instalments billed in current month); plus
  • (ii) interest, fees and charges; and
  • (iii) overlimit amount and past due amount (if any).
  • Outstanding balances that are below S$50 shall be repaid in full.
  • Cash advance charges: Cash advance fee per transaction is charged at 8% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum)
  • Overlimit fee: S$40

Frequently Asked Questions

Can you enjoy annual fee waiver for the Standard Chartered Simply Cash Credit Card?

  • Yes, the annual fee for the Standard Chartered Simply Cash Credit Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the Standard Chartered Simply Cash Credit Card?

  • It is ideal for high spenders as there is no cap to the cashback amount enjoyable

What is the minimum income requirement for the Standard Chartered Simply Cash Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$60,000
...see more

Popular Products

Summary

Standard Chartered Simply Cash Credit Card

The Standard Chartered Simply Cash Credit Card is a straightforward cash-back card that offers a flat cash-back rate of 1.5% and no minimum spend or cap, perfect for fuss-free users who dislike tracking their credit card cash-back transactions.

Singsaver Exclusive Promotion: Receive a Dyson Supersonic™ hair dryer (worth S$699) or The Morning Machine + 20 Capsules Bundle (worth S$684) or Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30) or Up to S$420

  • Promotion is valid for new Standard Chartered credit card members
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards

Receive an additional S$70 eCapitaVoucher when you make a min. spend of S$1,000 in the second month after card approval

Receive an additional S$20 eCapitaVoucher when you split the payment for your purchases with SCB EasyPay, pay your bills with SCB EasyBill or put any of your purchases on installment in an SCB Savings Account or Current Account within 60 days of approval

Note: Effective January 1st, physical card activation is now required to receive gifts, instead of solely activating digitally.

Product Page Transparency

  • Pays to access additional features

Card Features & Details

1) Key Features

  • Earn 1.5% cashback on all eligible spend with no minimum spend
  • Cashback when activating your Simply Cash Credit Card and for each successful referral
  • Apply for an Instant Digital Credit Card online

2) Benefits

Cashback
  • Earn 1.5% cashback on all eligible spend with no minimum spend
  • No cashback cap 
  • S$288 cashback when you activate your Simply Cash Credit Card
The Good Life Privileges
  • Enjoy access exciting privileges, promotions and benefits with your Standard Chartered Simply Cash Credit Card such as:
  • TANGS - Up S$40 voucher or promo code
  • Caltex - Up to 20.7% savings and more
  • Agoda - Up to 18% off accommodation worldwide
  • Expedia - Up to 20% off eligible hotel bookings
  • Standard Chartered Singapore Marathon 2023 - 15% off registration fees

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs and Foreigners
  • Minimum annual income:
  • S$30,000 for Singaporeans/PRs
  • S$60,000 for Foreigners

4) Fees & Charges

  • Annual principal fee: S$196.20 (first year waived) (inclusive of GST)
  • Supplementary card annual fee: S$0
  • Late payment fees: S$100
  • Repayment grace period: At least 22 days from billing/statement date
  • The minimum payment due will be:
  • (i) the greater of either S$50 or 1% of principal (Including any instalments billed in current month); plus
  • (ii) interest, fees and charges; and
  • (iii) overlimit amount and past due amount (if any).
  • Outstanding balances that are below S$50 shall be repaid in full.
  • Cash advance charges: Cash advance fee per transaction is charged at 8% on the Cash Advance, subject to a minimum fee of S$15, in addition to the finance charges of 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment (Effective Interest Rate: 29.9% per annum)
  • Overlimit fee: S$40

Frequently Asked Questions

Can you enjoy annual fee waiver for the Standard Chartered Simply Cash Credit Card?

  • Yes, the annual fee for the Standard Chartered Simply Cash Credit Card of S$196.20 (inclusive of GST) is waived for the first year

Who should apply for the Standard Chartered Simply Cash Credit Card?

  • It is ideal for high spenders as there is no cap to the cashback amount enjoyable

What is the minimum income requirement for the Standard Chartered Simply Cash Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Foreigners: Minimum Income of S$60,000
...see more

Plans (2)

Standard Chartered Simply Cash Credit Card

Up to 1.5% on eligible spend

CASHBACK

Unlimited

CASHBACK CAP

$30,000

MINIMUM ANNUAL INCOME

Standard Chartered Rewards+ Credit Card

2.9 mpd

FOREIGN SPEND

1.45 mpd on dining

SELECTED SPEND

0.4 mpp

CONVERSION

$30,000

MINIMUM ANNUAL INCOME

Standard Chartered Simply Cash Credit Card

Up to 1.5% on eligible spend

CASHBACK

Unlimited

CASHBACK CAP

$30,000

MINIMUM ANNUAL INCOME

📣 SIGN-UP BONUS

Score a Dyson Supersonic™ hair dryer (worth S$699) or The Morning Machine + 20 Capsules Bundle (worth S$684) or Apple iPad 9th Gen (worth S$508.30) or Up to S$420!

Valid till 01 May 2024. T&Cs apply.

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Reviews (168)

4.2

168 Reviews

5
89
4
49
3
16
2
2
1
12

Service Rating

Speed of Approval

4.5

Ease of Fee Waiver

4.3

Customer Support

4.0

      Posted 25d ago

      Purchased

      Standard Chartered Rewards+ Credit Card

      Very useful, fuss free way to get cashback and rebates for your expenses with no min spend! Recommended.

      0

      What are your thoughts?

      Posted 02 Feb 2024

      Purchased

      Standard Chartered Rewards+ Credit Card

      Yes it is very useful and easy to get. Try it now and u will be fascinating with the result. Thanks to this

      0

      What are your thoughts?

      Posted 03 Jan 2024

      Purchased

      Standard Chartered Rewards+ Credit Card

      [Cashback Card] Card application was approved in 1 working day and digital card was issued for use right away. Stan Chart app is probably one of my favourites as the interface is clean and simple to use. Cashback is automatically deducted from your bill at the end of the statement month so it's a really fuss-free and straightforward card to supplement your credit card stack. I have noticed that Stan Chart does seem to have some promotional offers with places like Tang's so if you shop there often it might be beneficial for you to consider this card.

      0

      What are your thoughts?

      Posted 20 Jul 2023

      Purchased

      Standard Chartered Simply Cash Credit Card

      Applied and received within a week! You get a digital card instantly too. However, the "Get CVV" button doesn't work on the mobile app and you have to do it on the website. Update: Cashback is credited automatically in the next statement month. Not as awesome as AMEX True Cashback which does so in the same statement month but hassle-free nonetheless!

      0

      What are your thoughts?

      Posted 22 Feb 2023

      Purchased

      Standard Chartered Simply Cash Credit Card

      This credit card offers a range of benefits to its users, including cashback, reward points, and discounts on dining, shopping, and travel. The card also provides users with access to exclusive privileges and promotions. One of the key benefits of the Standard Chartered credit card is its flexibility - users can choose the type of card that best suits their needs and preferences. The bank also offers a range of online and mobile banking features to help users manage their finances easily and conveniently.

      0

      What are your thoughts?

      Posted 27 Nov 2022

      Purchased

      Standard Chartered Simply Cash Credit Card

      With effect from 5 December 2022, ‘Unlimited Cashback Credit Card’ will be renamed ‘Simply Cash Credit Card’ with a refreshed card design. The credit card benefits remain the same – continue to earn 1.5% cashback on all your spends, with no minimum spend and no cap on cashback. For more information, please visit our official website and search for Simply Cash Credit Card FAQs.

      0

      What are your thoughts?

      Posted 05 Nov 2022

      Purchased

      Standard Chartered Simply Cash Credit Card

      A card that i applied after entering into the workforce for half a month, and it is approved within a week. It is good for someone who doesnt really spend much as there is no min spending

      0

      What are your thoughts?

      Posted 05 Aug 2022

      Purchased

      Standard Chartered Simply Cash Credit Card

      No complicated procedures to access your cashback, just spend on almost anything and everything, and every purchased you will get cashback. [Cashback Card]

      0

      What are your thoughts?

      Posted 22 Jul 2022

      Purchased

      Standard Chartered Simply Cash Credit Card

      Definitely the most fuss free card I've encountered. No need for any complicated procedures to access your cashback, just spend, and get cashback. It doesn't have the highest cashback rate out there, but honestly time is money, and if you are a person who enjoys simplified processes, then this card is for you.

      0

      What are your thoughts?

      Posted 22 Jul 2022

      Purchased

      Standard Chartered Simply Cash Credit Card

      [Cashback Card] As a freelancer, going through multiple loops to unlock cashback/ interest rates can be quite tedious. Love how this SC unlimited card is; fuss-free. [Bill Payment] Even though I don't have an SC account, bill payment can be made easily via AXS/ the bill payment option via the banking app. The customer service team was quite helpful in guiding me along in this.

      0

      What are your thoughts?

    Discussions (0)

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      Popular Products

      The Best Cash Back Credit Cards Review: Standard Chartered Simply Cash Credit Card

      Standard Chartered Simply Cash is a simple and straightforward credit card, ideal for the general consumer but especially for big spenders who transact over a wide genre of products. Consumers who prefer to spend only in specialised areas like dining, or online shopping might not reap the best rewards.

      Standard Chartered Simply Cash Credit Card simply breaks all limits as it offers 1.50% cashback on all types of spending, with no minimum spending requirement and no cashback cap. Yes, you heard that right, No Cashback Cap on top of Zero Minimum Spend. The accumulated Cashback amount will then be automatically offset in your next billing statement. With Standard Chartered Credit Card comes their Good Life rewards programme - where you stand to save up to 20% off selected Caltex fuel, and 30% off Senoko energy bills.

      Find out how a Cashback credit card works, and the difference between Cashbacks and cash rebates.

      Standard Chartered Simply Cash Credit Card

      Standard Chartered Simply Cash is a simple and straightforward credit card, ideal for the general consumer but especially for big spenders who transact over a wide genre of products.

      Consumers who prefer to spend only in specialised areas like dining, or online shopping might not reap the best rewards.

      Standard Chartered Simply Cash Credit Card simply breaks all limits as it offers 1.50% cashback on all types of spending, with no minimum spending requirement and no cashback cap. Yes, you heard that right, No Cashback Cap on top of Zero Minimum Spend.

      The accumulated Cashback amount will then be automatically offset in your next billing statement. With Standard Chartered Credit Card comes their Good Life rewards programme - where you stand to save up to 20% off selected Caltex fuel, and 30% off Senoko energy bills.

      Key Features and Benefits of Standard Chartered Simply Cash Credit Card

      These are some features of the Standard Chartered Simply Cash Credit Card and the Cashback benefits it has to offer.

      Standard Chartered Simply Cash Credit Card Benefits

      What You'll Get

      Cashback

      1.5% Cashback on all your spending with no minimum spending and no Cashback cap

      Gift

      Up to S$180 Cashback sign up gift when you apply via MyInfo

      Annual Fees

      S$0 for the first two years

      Instant Digital Credit Card

      Apply for Instant Digital Credit Card online using Myinfo

      0% Interest Instalment Plan

      Interest-free monthly instalments plan

      Lifestyle

      Enjoy offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits

      Fund Transfer

      0% interest at one-time processing fee.
      1% cashback on approved Funds Transfer Amount

      EasyPay

      Convert your retail transactions above $500 into 6 or 12 months interest-free instalments with a one-time service fee

      Mobile Payment

      Sync your credit card with Apply Pay, Google Pay, Samsung Pay

      Standard Chartered Simply Cash Credit Card - Benefits

      Standard Chartered Simply Cash

      Features & Benefits:

      + 1.5% cashback for all spend, no min. spend and no cashback cap

      + Enjoy offers and privileges for online, dining, retail and more with The Good Life®

      + 2 year annual fee waiver

      - Cannot be used for EZ-Reload

      Eligibility for Standard Chartered Simply Cash Credit Card

      To be eligible for the Standard Chartered Simply Cash Credit Card, you'll have to meet the following criteria:

      • 21 to 65 years old
      • For Singaporeans and PRs: Minimum annual income of S$30,000
      • For Foreigners: Minimum annual income of S$60,000

      Promotions for Standard Chartered Simply Cash Credit Card

      • SCB updates the signup promotions regularly, usually in the form of additional cashback, so be sure to check the official page for the latest credit card promotion.

      Fees and Charges for Standard Chartered Simply Cash Credit Card

      • Annual Principle Fee: $192.60
      • Annual Supplementary Card fee: $96.30
      • Fee waiver: 2-year annual fee waiver
      • Annual Interest Rate: Prevailing interest rate of 26.9% p.a. (subject to compounding if the charges are not repaid in full) on the amount withdrawn, chargeable of 0.074% on a daily basis from the date of withdrawal until receipt of full payment.
      • Minimum Monthly Payment: 3% of the statement balance (or S$50, whichever is greater)
      • Late Payment Charge: A fee of S$80 applies if the minimum payment is not received by the due date, the Effective Interest Rate (EIR) will be raised to 28% per annum if the minimum payment due is not received by the due date. Once the payment is made full, your account will revert back to the original 26.9$ EIR
      • Cash Advance Fee: 6% per transaction. A minimum fee of S$15 with finance charges of 0.077% per day till the date of full payment

      Terms and Conditions of Standard Chartered Simply Cash Credit Card

      • For transactions to be eligible for cashback, they cannot be cash advance, balance or funds transfers bill payments, etc, all of which are stated in the Simply Cash FAQ here.
      • To be eligible for the Credit Card Sign-Up Promotion, you must apply for one of the eligible cards and to be a new member of Standard Chartered. Lastly, activate the physical card within 30 days of card approval
      • If are an existing Standard Chartered Cashback member, you are able to receive up to S$20 Cashback (Existing CC Cashback)
      • For the Cashback amount, it is subjected to current and existing Cashback Cap
      • Cards that are eligible for Cash Back Standard Chartered: Simply Cash Credit Card, Rewards+ Credit Card, Platinum Visa/Mastercard Credit Card, Spree Credit Card, NUS Alumni Platinum Credit Card, Prudential Platinum Credit Card, Prudential Visa Signature Credit Card, and Priority Banking Visa Infinite Credit Card
      • EZ-Link facility is discontinued for Standard Chartered Simply Cash Credit Cards since 8 December 2019
      • You are able to retrieve your free credit report within 30 calendar days upon the approval of the credit card

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and Cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also ask questions (anonymously, if you'd prefer) in Seedly Community.

      How to Apply for SCB Simply Cash Credit Card

      • Apply Online via the link above OR
      • Visit Standard Chartered Branches

      About Standard Chartered

      Standard Chartered Bank in Singapore has a history of 150 years in Singapore. They aim to drive commerce and prosperity through unique diversity. There is a network of 16 branches, 6 Priority Banking centres and 27 ATMs in Singapore. Standard Chartered Bank is one of the first international banks to receive a Qualifying Full Bank (QFB) license which is a recognition of the group's long-standing commitment to their consumers in Singapore.