Standard Chartered Simply Cash Card — Up to 1.5% Flat, No Caps
Earns 1.5% flat on all eligible spend. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| All other categories (base rate) | 1.5% | S$32 |
| Monthly cashback | S$32 | |
| Annual cashback | S$378 | |
New Standard Chartered credit card applicants who apply through this link, spend min. S$800 within 30 days of card approval, and apply for at least one eligible SC product (EasyPay, Bonus$aver Account, CashOne Personal Loan, or CCFT) within 60 days of card approval choose one: - S$350 Cash via PayNow - S$370 Grab Vouchers - Samsung Galaxy Buds 4 Pro + S$100 eCapitaVoucher (worth S$449) Top-up options available (Dyson Cyclone 8 Vacuum, Dyson Airstrait, MacBook Neo, Apple iPad Air and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •1.5% base rate on all eligible spend
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived)
- Caltex Fuel Discount
Standard Chartered Simply Cash Credit Cardholders enjoy an upfront discount of 17% for all fuel purchases at Caltex.
- The Good Life Privileges
Access to exclusive lifestyle deals of up to 25% off across dining, lifestyle, and travel at over 3,000 outlets in Asia.
- SC Shop and Earn
Earn additional cashback when shopping at over 250 online merchants through the SC Shop and Earn program.
- Annual fee
- S$196.20First year waived
- Foreign currency transaction fee
- 3.5%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 28%
- Cash advance service charge
- 8% on the Cash Advance, subject to a minimum fee of $15
- Minimum payment
- The greater of either S$50 or 1% of principal (including any installment billed in current month), interest fees and charges; plus any overlimit amount and past due amount.
- Interest-free period
- 22 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$90,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
Singaporean Citizens & PR - Minimum annual income: S$30,000 Foreigners - Minimum annual income: S$90,000, Must hold a Singapore Employment Pass
- •Earns a flat 1.5% cashback rate on eligible purchases with no category restrictions.
- •Annual fee of S$196.20 is waived for the first year.
- •Cardholders receive an upfront 17% discount on all fuel purchases at Caltex.
- •Access to lifestyle deals of up to 25% off across dining, lifestyle, and travel at over 3,000 outlets in Asia through The Good Life Privileges programme.
- •Additional cashback can be earned when shopping at over 250 online merchants via the SC Shop and Earn programme.
- •Cashback is not earned on insurance premiums, cash advances, medical bills, or utilities.
- •Foreign currency transactions incur a fee of 3.5% of the transaction amount.
- •The interest-free period is 22 days, shorter than the 25–55 day range common on many cards.
- •Foreign applicants must earn a minimum annual income of S$90,000 and hold a Singapore Employment Pass, compared to S$30,000 for Singapore Citizens and PRs.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the Standard Chartered Simply Cash Card.
- •insurance premiums
- •cash advance
- •medical bills
- •utilities
The information above is a summary and may be incomplete or outdated. Always refer to Standard Chartered's official terms and conditions for the authoritative version.
About the Standard Chartered Simply Cash Card
The Standard Chartered Simply Cash Card earns a flat 1.5% cashback on all eligible spend — no categories, no tracking. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
Every dollar spent on the Standard Chartered Simply Cash Card earns 1.5% — a flat rate across all eligible categories. At S$2,000/mo, that's roughly S$360.00 cashback per year before any caps.
Where this card earns the most
The Standard Chartered Simply Cash Card earns a uniform rate across all eligible categories — no category tracking required. The projected rate stays flat regardless of how spend is split.
Other cashback cards to compare
Frequently asked questions
Is the Standard Chartered Simply Cash Card worth it?
The Standard Chartered Simply Cash Card earns a flat 1.5% cashback on all eligible spend, with a S$196.20 annual fee (First year waived). It has no minimum spend and no monthly cashback cap. Its value depends on your total monthly spend — project your cashback with the calculator above.
Who is the Standard Chartered Simply Cash Card for?
The Standard Chartered Simply Cash Card suits everyday spenders who want a uniform rate without tracking categories — it earns 1.5% on all eligible spend.
How much cashback does the Standard Chartered Simply Cash Card earn?
The Standard Chartered Simply Cash Card earns a flat 1.5% on all eligible spend.
What is the annual fee?
S$196.20, First year waived.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.