updated: Nov 05, 2024
The Standard Chartered Simply Cash Credit Card is a no-brainer when it comes to calculating your cashback per month.
With adulting comes a great many things to keep track of in our lives: the office to-do for the week, where your credit card expenditures are going, and the date your Spotify free trial ends so you can pre-empt the auto-renewal.
But with the Standard Chartered Simply Cash Credit Card, you can scratch off two things to keep tabs on: minimum spend and cashback rewards.
As the name suggests, the amount of cashback you could score for your Standard Chartered Credit Card spend has no limits, and the bothersome tracking of category spending can finally be a thing of the past. Essentially, almost all spend qualifies for 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! Start shopping right away after you add the card to your Apple Pay, Google Pay, or Samsung Pay wallets.
Standard Chartered Simply Cash Card product summary:
Pros ✅
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Cons ❌
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Earn up to 1.5% cashback for all spend, no min. spend and no cashback cap
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Cannot be used for EZ-Reload
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Get cashback on IRAS, Education, Insurance & Rental payment with SC EasyBill
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Does not come with EZ-Link facility
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Enjoy offers and privileges for online, dining, retail and more with The Good Life®
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1-year annual fee waiver
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Most cashback cards grant additional cashback for specific categories such as grocery, dining, petrol, online shopping, travel and more.
The Standard Chartered Simply Cash is a fuss-free card that rewards you with up to 1.5% cashback on all your spending, regardless of category. This makes it a great go-to card to have in your wallet, especially if you do not have a specific category on which you tend to spend more money.
Some credit cards require you to spend a minimum of S$600, S$800 or more before you earn the accelerated cashback rate (e.g. UOB EVOL Card, POSB Everyday Card). However, with Standard Chartered Simply Cash, you earn 1.5% unlimited cashback regardless of your monthly spending.
There is also no cap on cashback that you can earn, making it a suitable card to use if you have a big-ticket purchase coming up, such as home furniture shopping, a wedding banquet, or even designer presents you’ve been meaning to purchase.
In case you were wondering, your cashback earned will be automatically used to offset the following statement cycle month’s billed amount without having you lift a finger. Your earned cashback for a particular statement month will be reflected in that month’s card statement but credited to your card account only in the following statement cycle month.
The Standard Chartered Simply Cash Cashback Credit Card offers an automatic 1-year annual fee waiver. Thereafter, the standard S$194.40 (with 8% GST) annual fee applies.
While a 1.5% flat rate cashback on literally everything you purchase sounds good, you can also look forward to earning cashback on your IRAS, Education, Insurance & Rental payments with SC EasyBill. This credit card lets you earn 1% cashback on your approved Funds Transfer Amount as well.
Note: The exclusive Unlimited$aver savings account linked to the Standard Chartered Simply Cash Credit Card is no longer available.
Cardmembers can enjoy exciting card offers and privileges at over 3,000 outlets in Asia with The Good Life®. These include anything and everything from dining offers to shopping, travel, and lifestyle benefits. From 1-for-1 main courses to bonus cashback and discounts, something in the catalogue will tickle your fancy.
With EasyPay, you can turn your retail transactions above S$500 into 6 or 12 months of interest-free instalments with a one-time service fee.
Click on the ‘Apply Now’ button on this page and complete the application form on the SingSaver site. You will need to prepare the following documents for the application process:
In a nutshell, the Standard Chartered Simply Cash Card is best suited for fuss-free spenders, new credit card users, and any cashback chasers looking to add an unlimited cashback credit card to their collection.
💡 Pro-tip: The AMEX True Cashback Card offers 1.5% unlimited cashback on most spends as well. The only problem is that the majority of insurance companies don't accept AMEX as a valid payment network – so as a MasterCard, Standard Chartered Simply Cash Card wins in this regard.
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Standard Chartered Simply Cash Credit Card
The Standard Chartered Simply Cash Credit Card is a fuss-free card. Essentially, almost all spend qualifies for up to 1.5% unlimited cashback, with no minimum spend and no cashback cap. And the best p...