Standard Chartered Simply Cash Credit Card
Standard Chartered Simply Cash Credit Card
- 1.5% Cash Back
- on Eligible spend
- S$0
- Min. Spend per month
- Unlimited
- Cash Back Cap per month
Get UPSIZED S$388 Cash via PayNow or earn 5,040 SmartPoints when you apply and spend S$500 within 30 days! T&Cs apply. And stand chance to win a Porsche Taycan Base (2025) in SC Million Reasons to be Happier Lucky Draw! T&Cs apply.
Additionally, enrol in our Rollin' Rewards campaign for FREE, and stand a chance to win 6,140 SmartPoints. That’s a total of 11,180 SmartPoints, which you can use to redeem an Apple iPad Air Wi-Fi (11-inch, 128GB) (worth S$899) from our Rewards Store today!
Are you eligible?
Promotion is valid from 11-January-2025 to 31-January-2025
Applicable for New-to card holders only
Customers need to apply through MoneySmart to be eligible
Spend a minimum of S$500 in eligible transactions (on either the physical or digital version of the Credit Card) within 30 days from the Credit Card’s approval date
Log into your MoneySmart account and submit your claim by 28th February 2025
What you need to know
Use 5,040 SmartPoints to redeem any product on our Rewards Store such as:
- Apple iPad (10th Gen) | Top up $110 more only
- Apple Watch Series 9, GPS 41mm | Top up $210 more only
- Apple Watch SE GPS, 40mm | Redeem in full
- ErgoTune Joobie | Redeem in full
- OR many other options available at our Rewards Store today.
- For more information regarding SmartPoints, refer to our FAQ here.SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
[Rollin’ Rewards] Enrol in Rollin' Rewards by completing a simple 3-min questionnaire, and you could win up to 6,140 SmartPoints.
[Rollin’ Rewards] This earns you 1 chance to score amazing prizes each month.
[Rollin’ Rewards] Increase your chances of winning when you successfully meet the eligibility requirements of this SCB Credit Card, submit the claim form, and have it successfully approved.
[Rollin’ Rewards] That's a total of up to 11,180 SmartPoints in total!
[Rollin’ Rewards] Didn’t win anything this month? You could win in the next—Not to worry, your chance(s) of winning will automatically be accumulated, and rolled over into next month’s draw. T&Cs apply.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 January 2025).
Apply for a SCB Credit Card through MoneySmart and stand to win a Porsche Taycan Base when you participate in the SC Million Reasons to be Happier Lucky Draw! Refer to the T&Cs here for more details.
MoneySmart exclusive rewards do not stack with external or third-party promotions. See T&Cs for details.
All Details
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Standard Chartered Simply Cash Credit Card Benefits 2025
In this review, we’ll take a look at the requirements, pros and cons and other relevant details of the Standard Chartered (SCB) Simply Cash credit card before you seal the deal.
Customer Reviews on MoneySmart Credit Card Applications
Pros & Cons Of Standard Chartered Simply Cash Credit Card
Pros ✅
- Unlimited 1.5% cashback on almost all spend
- No minimum spend
- No cashback cap
- Complimentary first-year annual fee waiver
- Convenient online application with SingPass
- Open to Singapore Citizens, PRs and foreigners with a Singapore Employment Pass aged 21 - 65
- Up to 27.91% fuel savings at Caltex until 30 Jun 2025
- 0% interest funds transfer with only a one-time processing fee
- Access to over 3,000 attractive The Good Life® card dining, retail, travel, and lifestyle offers and privileges across Asia
Cons ❌
- EZ-Link facility discontinued since 1 Jun 2024
- Common MCC exclusions (e.g. insurance premiums, cash advance, medical bills, utilities, etc.) still apply and will not earn cashback
- Average cashback earn rate; relatively lower than other unlimited cashback cards like Citi Cash Back+ Card (1.6%) and UOB Absolute Cashback Card (1.7%)
- Cashback is not immediate; only credited and reflected in card’s next statement month
Uncover Other Perks Beyond Simply Cash!
Besides unlimited cashback, find out what else the Standard Chartered Simply Cash Card has to offer in our blog review!
Comparison: SCB Simply Cash vs UOB Absolute Cashback vs Citi Cash Back+ Card
While the Standard Chartered Simply Cash Card is a fairly reliable cashback card, how does it square up against other unlimited cashback credit cards? We’ve rounded up two other cards, UOB Absolute Cashback Card and Citi Cash Back+ Card, to compare and contrast their strengths and weaknesses.
Interest rate: 27.9% p.a.
Annual fee: $196.20 (First year waived)
Minimum annual income:
Card benefits:
Interest rate: 27.8% p.a.
Annual fee: $196.20 (First year waived)
Minimum annual income:
Card benefits:
Interest rate: 27.9% p.a.
Annual fee: $196.20 (First year waived)
Minimum annual income:
Card benefits:
*Up to 3.25% upsized cashback on qualifying foreign currency spend in 9 selected countries. Valid till 28 Feb 2025
You’re a Few Clicks Away From Unlocking Greater Savings!
On the hunt for a good cashback credit card? Take advantage of our exclusive sign-up rewards and deals, found only on MoneySmart!
Standard Chartered Simply Cash Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats | |
|---|---|---|
| Age | 21 and above | 21 and above |
| Annual income | $30,000 | $60,000 |
| Documents required | For salaried employees: For self-employed: For commission earner (any one below): | A copy of passport and valid work permit (with minimum 6 months validity) A copy of any below: For additional documents, refer here |
Standard Chartered Simply Cash Credit Card Application
Here are 3 simple steps to apply for the Standard Chartered Simply Cash Credit Card
Apply via MoneySmart’s Credit Cards page
Start your application by clicking the “Apply Now” button via MoneySmart.
Upon application, your SingPass MyInfo will be accessed to verify your identity and retrieve income details.
Once successfully submitted, the approval-in-principle page should appear within a few minutes.
Provide all documentation required
You’ll need to provide all the necessary documentation in order for Standard Chartered Bank to approve your credit card application. This list of documents include:
- NRIC or other identification details
- Latest computerised payslip
- Latest 6 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Receive your Standard Chartered Simply Cash Credit Card
Activate your SCB Simply Cash Card instantly via the SC Mobile Singapore app under the "Help & Services" tab.
Navigate to “Credit Card Activation & PIN Set” > Select SCB Simply Cash Card > Set new PIN for card
Frequently Asked Questions About SCB Simply Cash Credit Card
Do I have to change to the new Standard Chartered Simply Cash Credit Card if my Unlimited Cashback Credit Card is not due for renewal?
- No, it is not mandatory. You may continue to use your existing Unlimited Cashback Credit Card and enjoy the same benefits that the new Simply Cash Card provides, including 1.5% cashback on your card with no minimum spend and no cashback cap. Unless you require or request a renewal or replacement of your existing Unlimited Credit Card, a refreshed ‘Simply Cash Credit Card’ will not be sent to you.
Are there any fees if I apply for the Standard Chartered Simply Cash Credit Card?
- The SCB Simply Cash Credit Card charges an annual fee of $196.20 (first year waived). A fee waiver is available only for the first and second year, plus there are other fees like cash advance transaction fees, late payment fee, minimum monthly payment, foreign currency transaction fee, and overlimit fee.
When will I receive my cashback for my Standard Chartered Simply Cash Credit Card?
- The cashback for your eligible spending per statement cycle will be credited into your SCB Simply Cash Credit Card in the following statement month.
Am I eligible for the Standard Chartered Simply Cash Credit Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, aged 21+, and earn a minimum annual income of $30,000 (Singaporeans/PRs) or $60,000 (Foreigners), you’re eligible to apply for the SCB Simply Cash Card.
If I’m late for my monthly Standard Chartered Simply Cash Credit Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by Standard Chartered Bank at the point of your late payment.