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Credit Cards/Standard Chartered Unlimited Cashback Credit Card
Credit Cards/Standard Chartered Unlimited Cashback Credit Card
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Summary

Standard Chartered Unlimited Cashback Credit Card

Standard Chartered Unlimited Cashback 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 are not used to tracking their credit card cash back transactions.

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
  • No cashback cap 
  • Enjoy more than 3,000 dining, shopping, travel, and lifestyle offers and privileges under The Good Life benefits programme
  • Flexibility to apply for an Instant Digital Credit Card online that can be used for online purchases and payments through Apply Pay, Google Pay, and Samsung Pay

2) Benefits

Cashback
  • Earn 1.5% cashback on all eligible spend with no minimum spend
  • No cashback cap 
Petrol
  • Enjoy fuel discounts on fuel spend at any Caltex stations
  • Platinum 98 with Techron: Enjoy 17% instant discount + S$3 instant rebate when you spend a minimum of S$100 on Techron fuels + 1.5% rebate on the nette transaction amount charged
  • All other grades of petrol and diesel: Enjoy 14% instant discount + S$3 instant rebate when you spend a minimum of S$100 on Techron fuels + 1.5% rebate on the nette transaction amount charged

3) Eligibility

  • Age: 21 – 65 years old and above
  • Citizenship: Singaporeans and PRs only
  • Minimum annual income:
    - Singaporean and PR: S$30,000 and above per annum 
    - Foreigner: S$60,000 and above per annum

4) Fees & Charges

  • Annual principal fee: S$192.60 (first two years waived) 
  • Supplementary card annual fee: S$0
  • Late payment fees: S$100
  • Cash advance charges: S$15 or 6% of amount drawn
  • Overlimit fee: S$40

Frequently Asked Question

Why you should apply for Standard Chartered Unlimited Cashback Credit Card?

  • You get to enjoy 1.5% cash back across all categories with no cap on the amount of cash back you can earn with the Standard Chartered Unlimited Cashback Credit Card
  • No minimum spend to enjoy cash back with the Standard Chartered Unlimited Cashback Credit Card
  • You get to enjoy 2 year annual fee waiver
  • Chance to double your cash back with Unlimited$aver

Can you enjoy annual fee waiver for Standard Chartered Unlimited Cashback Credit Card?

  • Yes, the annual fee for the Standard Chartered Unlimited Cashback Credit Card of $192.60 (inclusive of GST) is waived for the first and second year

Who should apply for the Standard Chartered Unlimited Cashback Credit Card?

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

What is the minimum income requirement for the Standard Chartered Unlimited Cashback Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Non-Singaporean Minimum Income of S$60,000

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

...see more

Popular Products

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5% on eligible spend

CASHBACK

Unlimited

CASHBACK CAP

Standard Chartered Unlimited Cashback Credit Card

Up to 1.5% on eligible spend

CASHBACK

Unlimited

CASHBACK CAP

Reviews (157)

4.3

157 Reviews

5
86
4
46
3
14
2
2
1
9

Service Rating

Speed of Approval

4.5

Ease of Fee Waiver

4.3

Customer Support

4.1
      Posted 2d ago

      Purchased

      Standard Chartered Unlimited Cashback 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 25d ago

      Purchased

      Standard Chartered Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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?

      Posted 11 Jul 2022

      Purchased

      Standard Chartered Unlimited Cashback Credit Card

      Decent card with fee waivers, but didn't really make the cut for me. If you are a Singaporean male, having served National Service, and likely to spend between S$500 to S$1,666.67 per month, you are really better off with the SAFRA DBS Credit Card. It provides 3% cashback, capped at S$50 (which is better than what SCB's card does). If you have large spending or spending that do not qualify with the SAFRA DBS Credit Card, you might as well get the UOB AMEX Absolute Cashback Card, which offers 1.7%. Need a MasterCard or Visa instead? Top up your GrabPay wallet and you're good to go.

      0

      What are your thoughts?

      Posted 15 Jun 2022

      Purchased

      Standard Chartered Unlimited Cashback Credit Card

      [Cashback Card] Have been using this card for most of my grocery purchase and even insurance premiums, which most of the other credit cards dont allow

      0

      What are your thoughts?

      Posted 31 May 2022

      Purchased

      Standard Chartered Unlimited Cashback Credit Card

      I love the cashback features a lot thats why I decided to sign for it! And also with the freebies :)

      0

      What are your thoughts?

      Posted 29 Mar 2022

      Purchased

      Standard Chartered Unlimited Cashback Credit Card

      [Cashback Card] Great if you do not want to track your spending. At 1.5% of cash back is not too bad. would give 5 star if the cash back is higher, currently UOB absolute cash back is higher compare to this card.

      0

      What are your thoughts?

      Posted 20 Mar 2022

      Purchased

      Standard Chartered Unlimited Cashback Credit Card

      [Cashback Card] Good to be used as a secondary cashback card for large expenses. Can be used together with DBS livefresh or UOB EVOL

      0

      What are your thoughts?

    Discussions (0)

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      Popular Products

      The Best Cash Back Credit Cards Review 2022: Standard Chartered Unlimited Cashback Credit Card

      Standard Chartered Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback Credit Card Review 2022

      Standard Chartered Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback Credit Card

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

      Standard Chartered Unlimited Cashback 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 Unlimited Cashback Credit Card - Benefits

      Standard Chartered Unlimited Cashback

      Pros

      Standard Chartered Unlimited Cashback 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.

      Cons

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

      Eligibility for Standard Chartered Unlimited Cashback Credit Card

      To be eligible for the Standard Chartered Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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: Unlimited Cashback 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 Unlimited Cashback 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 Unlimited Cashback 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.

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