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Credit Card Comparison: UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash

Denise Bay

Denise Bay

Last updated 14 September, 2023

Choices are never easy. That’s why, we do the math, so you don’t have to. Compare This, a SingSaver series, is here to help make decisions a little easier for you.


Not all cap-less cashback credit cards are the same. Which one of these three could be your new go-to cashback credit card?

On the hunt for a flat-rate cashback credit card that’s easy to use? You’ve come to the right place: UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash comparison guide. 

These three cashback credit cards are a godsend if you’re the sort who doesn’t like to fuss around with credit cards — they let you earn cashback on pretty much anything you buy. 

Table of contents


UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash

Credit card 
Key benefits
UOB Absolute Cashback Card
uob-absolute-cardface
1.7% cashback
Citi Cash Back+ Card
CITI_CASHBACK+_MASTER-1
1.6% cashback
Standard Chartered Simply Cash Card
SCB_SIMPLYCASH
1.5% cashback 

What these cashback credit cards have in common 

UOB Absolute Cashback, Citi Cash Back+ and Standard Chartered Simply Cash are accessible cashback credit cards that only require a minimum annual income of S$30,000. 

A common attribute of all three credit cards is there is no cap on the base cashback you are eligible to earn. Also, there’s no minimum spend required to start earning cashback on your purchases. 

All three credit cards are super easy to use, perfect for those new to the world of credit cards or those who simply prefer something extremely fuss-free. 


How these cashback credit cards differ 

Comparison #1: Cashback workings

Cashback workings
UOB Absolute Cashback
Citi Cash Back+
Standard Chartered Simply Cash
1.7% cashback on all eligible spend
 
No min. spend and no cap
 
Minimal spend exclusions
1.6% cashback on all eligible spend
 
No min. spend and no cap
 
0.4% bonus cashback if you are a Citi Plus customer who is the Primary Account Holder of a Citi Interest Booster Account
1.5% cashback on all eligible spend
 
No min. spend and no cap
 
Get S$500 cashback with min. S$599 spend within 30 days of card approval*
 
Get up to S$1,520 cashback with successful card referral to friends or family*

*Accurate as of 14 September 2023

The UOB Absolute Cashback has the most straightforward cashback mechanics given its minimal spend exclusions and highest unlimited cashback rate.

Meanwhile, the Citi Cash Back+ lets cardmembers earn extra 0.4% cashback if you are a Citi Plus customer who also acts as the Primary Account Holder of a Citi Interest Booster Account. 

Exclusive Offer
Featured

Citi Plus

Citi Plus
See more
See less

Exclusive SingSaver Promotion

Receive S$50 cash when you start a Citi Plus relationship, plus your choice of an additional S$100 cash (S$150 total) or a TP-LINK Smart Tapo RV10 Lite Robot Vacuum (worth S$259) when you fund S$20,000 within 2 months of account opening and maintain the deposit until reward fulfillment. Valid till 29 Feb 2024. T&Cs apply.

Additionally, earn up to S$60 bonus cash when you fund and maintain a Citi Plus relationship and hold an eligible Citi Plus Credit Card. As a Citi Plus Customer, also enjoy higher returns of up to 2% cash back and up to S$699 worth of exciting gifts when you apply for the Citi Cash Back+ Card. T&Cs apply.

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Lastly, the Standard Chartered Simply Cash grants extra cashback in two different manners – one via minimum spend and the other via successful sign-up referral. For the former, all you have to do is spend a minimum of S$599 within the first 30 days of card approval and you'll be entitled to S$500 cashback. Whereas for the latter, you'll stand to receive up to S$1,520 cashback if you successfully refer your friends and family to sign up for the card.

Fulfil both cashback mechanics and you'll effectively earn a total of up to S$2,020 cashback, which is a pretty sweet deal if you ask us.


 

Comparison #2: Ability to earn cashback on bill payments

Earning cashback on bill payments
UOB Absolute Cashback
Citi Cash Back+
Standard Chartered Simply Cash
Yes
No
Yes

Although you can quite literally earn cashback on almost every purchase using any of the three cashback credit cards, take note that Citi Cash Back+ does not let you earn cashback on bill payments (including via Citibank Online). 

Consider UOB Absolute Cashback or Standard Chartered Simply Cash if you’re keen on earning rewards on your utility bills and phone bills. The difference between the two is one relies on a specific bill payment scheme while the other doesn't.

The Standard Chartered Simply Cash offers cardmembers the opportunity to earn cashback, rewards points, or bonus interest on various expenses including IRAS, education fees, insurance premiums, and even rental payments via their SC EasyBill programme.

In contrast, the UOB Absolute Cashback provides cashback directly on insurance premiums, education fees, medical bills, utilities, telco bills, rental payments, and even wallet top-ups – categories often excluded from earning any form of rebates.

Thus, if you want a card that rewards-it-all, look no further than UOB Absolute Cashback. 


Comparison #3: Cashback redemption

Cashback redemption
UOB Absolute Cashback
Citi Cash Back+
Standard Chartered Simply Cash
Receive cashback automatically in the next statement month
Redeem cashback via SMS or on the Citi Mobile® app — cashback earned doesn’t expire
Receive cashback automatically in the next statement month

If having a say in when you’d like to utilise your rewards is important to you, you’ll appreciate the flexibility that Citi Cash Back+ offers. You can redeem your cashback online or in the Citi Mobile® App, anytime and anywhere. 

For UOB Absolute Cashback and Standard Chartered Simply Cash, your cashback can only be used to offset your following month’s credit card bill statement.


Comparison #4: Extra perks

Extra perks
UOB Absolute Cashback
Citi Cash Back+
Standard Chartered Simply Cash
American Express and UOB lifestyle privileges (retail, dining, local adventures, travel and more)
 
UOB Smart Pay: BNPL lets you enjoy interest-free monthly instalments over 3, 6, 12 months. Fee applies
Citi World Privileges: Get dining, lifestyle, travel and shopping deals locally & in 95 other countries
 
Citi PayLite: Convert unbilled retail transactions into instalment payments. Fee applies 
 
Citi FlexiBill: Convert your credit card statement retail balance into installments
Citi Quick Cash: Get a loan 
The Good Life®: Enjoy card offers and privileges at over 3,000 outlets in Asia from dining offers to shopping, travel and lifestyle benefits 
 
EasyPay: Convert retail transactions above S$200 into 6 or 12 months interest-free instalments. Fee applies
 
SC EasyBill: Enjoy extra cashback on IRAS, education, insurance and rental payments, subject to fees and T&Cs

You get to enjoy a slew of lifestyle deals and promotions with all three cashback credit cards.


Conclusion: Which one should you choose?

It’s difficult to pick out a winner in the UOB Absolute Cashback vs Citi Cash Back+ vs SCB Unlimited comparison. Each cashback credit card has its own merits, and nobody can deny how similar the three credit cards are. 

How do you decide which one is the most suited to you? This depends on your priorities and perhaps the overall experience the credit card has to offer, taking into account all the nitty-gritty details.  

Exclusive Offer

UOB Absolute Cashback Card

UOB Absolute Cashback Card

Cashback

1.7
%
no min. spend and no spend exclusions
See more
See less

Exclusive SingSaver Promotion

Receive S$350 cash credit if you are one of the first 200 new-to-UOB credit cardmembers to apply for select UOB credit cards and spend at least S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 Dec 2023. T&Cs apply.

Plus, get 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

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Choose UOB Absolute Cashback
: This fuss-free, reliable cashback credit card offers the highest cashback amongst the three and allows you to earn and accumulate rewards of frequently excluded categories, such as insurance premiums and hospital and utility bills! However, do take note that fewer merchants accept American Express payments than Visa and Mastercard payments.

Exclusive Offer
Best Value

Citi Cash Back+ Card

Citi Cash Back+ Card

Cashback

1.6
%
no minimum spend

Monthly Cashback Cap

No Cap

Monthly Spend Required

No Minimum
See more
See less

Exclusive SingSaver Promotion

Receive an Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30) or a Dyson Supersonic™ hair dryer (worth S$699) or a Dyson V8 Slim™ Fluffy (worth S$509) or S$300 cash via PayNow when you activate select Citi credit cards and spend at least S$500 within 30 days of card approval. Valid till 18 Jan 2024. T&Cs apply.
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Choose Citi Cash Back+
: Pick Citi Cash Back+ if you have big purchases on the horizon and are new to Citi. Although its regular cashback rate stands at 1.6% — marginally higher than the 1.5% offered by Standard Chartered Simply Cash and lower than the 1.7% provided by UOB Absolute Cashback.

Keep in mind that this card doesn’t let you earn cashback on your bill payments and other regular excluded categories such as card fees and charges, insurance premiums, payments to banks and brokerages etc. 

Exclusive Offer
Best Value
Featured

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Cashback

No Cap

Monthly Spend Required

No Minimum
See more
See less

Exclusive SingSaver Promotion

Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th Gen (worth S$503.65) or an Apple AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.35) or up to S$400 SUPER upsized cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 30 Nov 2023. T&Cs apply.

Plus, get 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

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Choose Standard Chartered Simply Cash
: This card rewards you with the highest, extra cashback as long as you satisfy its minimum S$599 spend (within 30 days of card approval) and its successful family & friends referral programme. To reiterate, successfully fulfil the above criteria as a new-to-SCB Simply Cash cardmember and you'll earn up to S$2,020 cashback that easily.  

Furthermore, you can earn cashback on expenses such as IRAS, education fees, insurance premiums, and rental payments via SCB EasyBill's service – giving it a slight edge over Citi Cash Back+ which is the only unlimited cashback card here without a bill payment service.

Read these next
Best Cashback Credit Cards in Singapore
Credit Card Comparison: DBS Altitude vs Citi PremierMiles vs OCBC 90°N
Credit Card Comparison: DBS Live Fresh vs UOB EVOL vs OCBC FRANK
Credit Card Comparison: POSB Everyday vs Citi Cash Back vs OCBC 365
Credit Card Comparison: Amex True Cashback vs Citi Cash Back+ vs SCB Simply Cash

While Denise has a thing for travel, K-dramas, 0% sugar bbt (with boba!), Japanese cuisine and flat white, her curious nature means all sorts of random tabs are open on her phone 24/7. She doesn’t like to pay full price for anything, too.

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