Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

Standard Chartered Simply Cash Credit Card

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Earn 1.5% Unlimited Cashback
Enjoy unlimited 1.5% Cashback on your eligible spent! Enjoy additional benefits such as Caltex petrol, dining, and shopping promotions make this an all-rounded card for individuals in Singapore who prefer a fuss-free cash back credit card.
1.5% Cash Back
on Eligible spend
S$0
Min. Spend per month
Unlimited
Cash Back Cap per month
MoneySmart Exclusive

[UPSIZED 2% CASHBACK EXCLUSIVE TO MONEYSMART ONLY]
Get S$380 Cash via PayNow or earn 5,040 SmartPoints when you apply and spend S$800 within 30 days from card approval date!
 
PLUS for a limited time, earn UPSIZED UNLIMITED 2% CASHBACK on your purchases charged to your credit card when you spend above S$800! Only for MoneySmart applicants! T&Cs apply.

Valid until 06 Apr 2025 - See more details below

Are you eligible?

    • Promotion is valid from 01-April-2025 to 06-April-2025

    • Applicable for New-to card holders only

    • Customers need to apply through MoneySmart to be eligible

    • Spend a minimum of S$800 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 6th May 2025

What you need to know

  1. [MoneySmart Exclusive 2% Cashback Promotion] 
    MoneySmart applicants can earn 2% Unlimited Cashback on their purchases charged to the Credit Card if they spend above S$800 in eligible transactions

  2. [MoneySmart Exclusive 2% Cashback Promotion] 
    The 2% Unlimited Cashback is only applicable for transactions charged after the S$800 spend. (i.e. 2% only applicable after S$800.01 spends)

  3. Use 5,040 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want! 

  4. 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. 

  5. Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (30 April 2025). 

  6. MoneySmart exclusive rewards do not stack with external or third-party promotions. See T&Cs for details.

T&Cs
FAQ
Claim Form

Quick Facts

Get the maximum value by

Using this as a go-to card for all your daily expenditure

Good for

Individuals looking for a straightforward unlimited cashback credit card

Categories to maximise this card

Spend in all categories

What people use it for

Daily expenditure; big-ticket purchases

Get if

Your monthly expenses are unpredictable and you don’t like to fuss over eligible spending categories

All Details

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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.

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Standard Chartered Simply Cash Credit Card Benefits 2025

Previously known as the Standard Chartered Unlimited Cashback Credit Card, the Simply Cash Credit Card is one of Standard Chartered’s best cards for cash back benefits. The benefits include unlimited 1.5% cashback on virtually all spend, with no minimum spend and no cashback cap – promising fuss-free cashback anytime, anywhere.

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

⭐⭐⭐⭐⭐

Review by TJ. Hoo

"I had applied for 2 credit cards via MoneySmart so far, and their response has always been prompt. The process of getting the sign-up gift is also clear. I would definitely recommend going through them for credit card applications. "


As seen on Google

⭐⭐⭐⭐⭐

Review by D. Ng

"Really great experience signing up for a credit card with them. The gift came faster than expected, would definitely sign for another credit card using this website again."


As seen on Google

⭐⭐⭐⭐⭐

Review by A. Koh

"Great experience by signing up credit card through MoneySmart. Redemption of gift is fast and smooth sailing. Am considering to sign up another credit card as currently reviewing own financial expenses. Good job, Guys!"


As seen on Google

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!

Read Card 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.

SCB Simply Cash Card

Interest rate: 27.9% p.a.

Annual fee: $196.20 (First year waived)

Minimum annual income:

  • $30,000 for Singaporeans & PRs
  • $90,000 for foreigners (w.e.f. 29 March 2025)


    • Card benefits:
  • Unlimited 1.5% cashback on almost all spend
  • No minimum spend
  • No cashback cap
  • Up to 27.91% fuel savings at Caltex
  • Access to exclusive discounts across 3,000 The Good Life® merchants under dining, retail, travel, lifestyle, and more

    • UOB Absolute Cashback Card

    Interest rate: 27.8% p.a.

    Annual fee: $196.20 (First year waived)

    Minimum annual income:

  • $30,000 for Singaporeans & PRs
  • $40,000 for foreigners


    • Card benefits:
  • Unlimited 1.7% cashback on almost all spend
  • No minimum spend
  • No cashback cap
  • Still earn cashback (albeit reduced 0.3% rate) on commonly-excluded merchants like insurance premiums, medical bills, utilities, etc.
  • Up to S$500,000 complimentary travel insurance coverage when you charge travel fare to card (includes cardmember’s spouse and dependent child(ren))

    • Citi Cash Back+ Card

    Interest rate: 27.9% p.a.

    Annual fee: $196.20 (First year waived)

    Minimum annual income:

  • $30,000 for Singaporeans & PRs
  • $42,000 for foreigners


    • Card benefits:
  • Unlimited 1.6% cashback on almost all spend*
  • No minimum spend
  • No cashback cap
  • Bonus 0.4% cashback if you are the primary account holder of a Citi Interest Booster Account and a Citi Plus customer
  • Up to S$1 million complimentary travel insurance coverage when you charge travel fare to card
  • Redeem instant cashback via SMS or Citi Mobile app


    • *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!

    Compare Cards

    Standard Chartered Simply Cash Card Requirements

    Singapore Citizens / PRsForeigners / Expats
    Age21 and above21 and above
    Annual income$30,000$90,000 (w.e.f. 29 March 2025)
    Documents requiredFor salaried employees:
  • A copy of NRIC (front & back)
  • Latest original computerised payslip, or
  • Latest 6 months’ CPF contribution history statement, or
  • Latest Tax Notice of Assessment


    • For self-employed:
  • Copy of 2 years' Income Tax Notice of Assessment


    • For commission earner (any one below):
  • Latest 3 months’ payslip + latest Tax Notice of Assessment
  • Latest 6 months’ CPF contribution history statement
  • Latest 3 months’ payslip
  • Copy of 2 years’ Income Tax Notice of Assessment (for 100% commission earner)
    		• A copy of passport and valid work permit (with minimum 6 months validity)

    A copy of any below:
  • Latest utility/telephone bill
  • Latest bank/credit card statement
  • Rental agreement showing residential address
  • Latest mobile phone statement or pay-TV statement
  • Letter from employer stating current address
  • Government-issued document stating current address (e.g. IRAS, CPF, ICA)


    • 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

    Step 1

    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.

    Step 2

    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)

    Step 3

    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 $90,000 (Foreigners) (w.e.f. 29 March 2025), 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.