Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

The Standard Chartered Simply Cash Credit Card is a fuss-free cashback card that lets you get up to 1.5% unlimited cashback, with no minimum spend and no cashback cap. And the best part? You can receive instant digital credit card approval and issuance if you apply via MyInfo!
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
Minimum Annual Income
S$ 30,000
3 Offers Available
Dyson Supersonic™ hair dryer (worth S$649) (Top up S$50)
Richest Offer in the Market; Exclusively on SingSaver
Dyson Supersonic™ hair dryer (worth S$649) (Top up S$50)
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Sony ZV-1F Vlog Camera (worth S$769) (Top up S$30)
Richest Offer in the Market; Exclusively on SingSaver
Sony ZV-1F Vlog Camera (worth S$769) (Top up S$30)
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Dyson AM07 Tower Fan (worth S$449)
Richest Offer in the Market; Exclusively on SingSaver
Dyson AM07 Tower Fan (worth S$449)
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Bose QuietComfort Ultra Wireless Noise Cancelling Headphones (worth S$599)
Richest Offer in the Market; Exclusively on SingSaver
Bose QuietComfort Ultra Wireless Noise Cancelling Headphones (worth S$599)
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
S$380 Shopee Voucher
Richest Offer in the Market; Exclusively on SingSaver
S$380 Shopee Voucher
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
S$360 Cash via PayNow
Richest Offer in the Market; Exclusively on SingSaver
S$360 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from Standard Chartered.
  • Terms and Conditions apply.
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
Upgrade Your Rewards with a Simple Top-Up
Save S$549 on an Apple iPhone 16 Pro 256GB (worth S$1,749) by upgrading your reward with a S$1,200 top up
  • Reward Upgrade promotion is valid until 1 June 2025.
  • Promotion is valid for new Standard Chartered credit cardmembers only.
  • Apply for the Standard Chartered Simply Cash Credit Card and make a min. spend of S$800 within 30 days of card approval.
  • The Reward Upgrade will replace SingSaver Exclusive Offer reward.
  • Terms and Conditions apply

Things to consider

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No rebate cap

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No monthly spend required

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First year annual Fee waiver

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Benefits

Cashback

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Cashback Base Rate
1.5  %
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location_on
Cashback Local
1.5  %
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flight
Cashback Overseas
1.5  %
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luggage
Cashback Travel
1.5  %
restaurant
Cashback Dining
1.5  %
shopping_cart
Cashback Supermarket
1.5  %
local_gas_station
Cashback Petrol
1.5  %
sell
Cashback Retail
1.5  %
shopping_bag
Cashback Local Online Shopping
1.5  %
shopping_bag
Cashback Overseas Online Shopping
1.5  %
health_and_safety
Cashback Health
1.5  %
domain
Cashback Department Store
1.5  %
price_change
Cashback Online Bill Payment Spending
1.5  %
contactless
Cashback Contactless Spend
1.5  %
commute
Cashback Transport
1.5  %
sports_score

Quick Facts

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1.5% uncapped cashback with no min. spend on eligible categories.

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

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First year annual fee waiver.

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Read our full review of the Standard Chartered SimplyCash Credit Card.

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Cannot be used for EZ-Reload.

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
local_atm

Fees / Repayment

Fee

Annual Fee Waiver
1 year
Foreign Currency Transaction Fee
3.5  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
27.9  %
Interest on Cash Advance
28  %
Interest Free Period
22  days
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Others

Association

World Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Tags

Standard Chartered Simply Cash Credit Card Standard Chartered Simply Cash Credit Card

Read SingSaver’s full review of the Standard Chartered Simply Cash Credit Card

Pros & cons

 

Pros Cons
  • Simple and fuss-free cashback: A straightforward 1.5% cashback on almost all spending means you don’t have to track different spending categories or varying cashback rates.
  • No minimum spend and no cap: Offers unlimited cashback on eligible purchases without any minimum spending requirements or cashback caps.
  • Extra cashback on selected categories: Enjoy an additional 1.5% cashback on your IRAS, Education, Insurance & Rental payments with SC EasyBill.
  • No EZ-Link facility: The card cannot be used directly for public transport under the SimplyGo scheme.
  • Higher cashback rates from specialised cards: Less suitable for individuals with higher spends in specific categories such as dining, online shopping or travel.
  • Limited additional rewards and perks: Doesn’t provide benefits like airport lounge access, travel insurance, or reward points that can be redeemed for other benefits.

 

Who is this card for


The Standard Chartered Simply Cash Credit Card offers a simple 1.5% cashback on almost all spending for Singaporeans without minimum spend or cashback caps, making it a user-friendly option for students, new graduates, and those with inconsistent spending. Its accessibility is bolstered by a low $30,000 income requirement (for Singaporeans/PRs) and a waived first-year fee, providing straightforward and reliable cashback on everyday expenses.

Compare to other cards


The Standard Chartered Simply Cash Credit Card stands out for its inclusion of cashback on a broader range of transactions, notably encompassing typically excluded categories such as IRAS payments, education expenses, insurance premiums, and rental payments via the SC EasyBill facility. This provides a distinct advantage for individuals who make significant payments in these areas, allowing them to earn cashback where the other two cards might not.

The UOB Absolute Cashback Card edges out with a slightly higher cashback rate of 1.7% compared to 1.5% for the Standard Chartered Simply Cash Credit Card. Furthermore, UOB Absolute Cashback allows earning on more typically excluded categories like insurance premiums. 

The Citi Cash Back+ Card also offers a higher cashback rate at 1.6% compared to the Standard Chartered Simply Cash's 1.5%. Additionally, it provides complimentary travel insurance coverage of up to $1 million when you charge your travel tickets to the card, as well as an introductory bonus of up to 8% cashback for new cardholders.

Standard Chartered Simply Cash Credit Card

Interest rate: 27.9% on purchase, 28% on cash advance

Annual fee: $196.20 (first year waived)

Minimum annual income: $30,000

Benefits:

  • 1.5% uncapped cashback on all eligible spend.
  • No minimum spend or cashback cap.
  • Extra cashback on IRAS, education, insurance and rental payments with SC EasyBill.
  • Exclusive discounts across 3,000 The Good Life® merchants across dining, retail, travel, lifestyle and more categories.

UOB Absolute Cashback Card

Interest rate: 27.8% on purchase, 28.5% on cash advance

Annual fee: $196.20 (first year waived).

Minimum annual income: $30,000

Benefits:

  • 1.7% limitless cashback on all eligible spend.
  • 0.3% cashback on commonly excluded categories such as charity, education, healthcare, professional services, utilities, and Grab wallet top-ups.
  • No minimum spend or cashback cap
  • Cashback earned in the current statement month is automatically used to offset the following month’s bill.

Learn More

Citi Cash Back+ Card

Interest rate: 27.9%

Annual fee: $196.20 (first year waived)

Minimum annual income: $30,000

Benefits:

  • 1.6% unlimited cashback on all eligible spend
  • No minimum spend or cashback cap
  • Cashback earned never expires
  • Up to $1 million travel insurance coverage when travel tickets are charged to the card.

Learn More

 

Credit card application


Step 1: Start your application on SingSaver

  • Click on the “Apply Now” button.
  • You’ll be redirected to Standard Chartered’s secure application portal to complete your application.

Step 2: Fill in your personal and financial details

  • Provide basic information such as your name, NRIC, contact details, and income.
  • For faster processing, use MyInfo via SingPass to auto-fill your details securely.
  • If you prefer, you can also enter your information manually.

Step 3: Upload your supporting documents

  • To verify your eligibility, you’ll need to provide the following documents (especially if you’re not using MyInfo):
  • Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners), and
  • Latest computerised payslip (or salary-credited bank statement from the past 3 months), or
  • Latest Notice of Assessment (NOA) from IRAS
  • Latest 6 months’ CPF Contribution History Statement

Step 4: Submit your application

  • Review your details carefully and submit your application.
  • Standard Chartered typically processes applications within 14 working days. You’ll receive email or SMS updates on your application status.

Step 5: Receive your card

  • Once approved, your new Standard Chartered Simply Cash Credit Card will be mailed to your registered address.
  • Follow the activation instructions included with your card.

Credit card application resources


Need a card that matches how you spend and live? Check out our top recommendations by category below:

 

Frequently asked questions about the Standard Chartered Simply Cash Credit Card

What are the benefits of the Standard Chartered Simply Cash Credit Card?

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The Standard Chartered Simply Cash Credit Card offers 1.5% flat rate cashback across all spend categories, with no minimum spend and no cashback cap. In addition, it offers an additional 1.5% cashback for IRAS, education, insurance and rental payments with SC EasyBill.

How do I qualify for the Standard Chartered Simply Cash Credit Card?

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You must be at least 21 years of age, and have a minimum annual income of $30,000.

Can the cashback be used to offset the annual fee directly?

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Unfortunately, the cashback earned with the Standard Chartered Simply Cash Credit Card cannot be directly used to offset the SC Simply Cash Credit Card’s annual fee. The cashback is credited to your account as a statement credit, which can be used to offset purchases made with the card. However, this credit cannot be applied towards the annual fee payment.

How does the cashback apply to split transactions or payments made in instalments?

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The 1.5% cashback offered by the Standard Chartered Simply Cash Credit Card applies to all eligible transactions, regardless of whether they are split transactions or payments made in instalments. This means you will still earn your cashback even if you opt to divide your payments over a period of time, providing flexibility in managing your purchases.

What is the exact timeline for cashback crediting, and is there a way to expedite it?

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Typically, cashback earned with the Standard Chartered Simply Cash Credit Card is credited to your account in the next statement month. Generally, there's no way to expedite this process. The cashback crediting follows the regular crediting cycle, so you will need to wait for the designated period for the cashback to reflect in your account.

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