Standard Chartered Simply Cash Credit Card
Standard Chartered Simply Cash Credit Card
- 1.5% Cashback
- on all spends
- Unlimited
- Cashback Cap per month
- S$0
- Min Spend per month
Get S$350 Cash via PayNow or earn 4,000 SmartPoints when you apply and spend S$800 within 30 days from card approval date! T&Cs apply.
Are you eligible?
Promotion is valid from 01-May-2025 to 13-May-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 dateLog into your MoneySmart account and submit your claim by 13th June 2025
What you need to know
[1.5% Cashback Promotion]
Earn 1.5% Unlimited Cashback on your purchases charged to the Credit Card if you spend above S$800 in eligible transactions. Promotion qualifying period is valid till 13th May 2025.Use 4,000 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!
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.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled approximately 5 months after the end of the campaign month (31 May 2025).
MoneySmart exclusive rewards do not stack with external or third-party promotions. See T&Cs for details.
All Details
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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 | $90,000 (w.e.f. 29 March 2025) |
| 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 $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.