Standard Chartered Simply Cash Card vs Citi Cash Back+ Card
A side-by-side comparison of two Singapore cashback cards. Rates, caps and fees come from each issuer’s published terms; the simulator projects each card’s annual cashback at the spend you enter.
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At S$2,100/mo entered, the Citi Cash Back+ Card projects the higher annual cashback figure — a difference of S$25.
Figures update as you change your spending. They are projections from your inputs and each issuer’s published rates — not a promise of returns. Open the detailed breakdown below to see each card’s per-category working, side by side.
Every value is taken from each issuer’s published terms. A blank field shows as “—”. Earn caps are shown in the issuer’s native period — a quarterly cap is not converted to monthly.
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Standard Chartered Simply Cash Card and Citi Cash Back+ Card, compared
How the Standard Chartered Simply Cash Card and the Citi Cash Back+ Card differ
The Standard Chartered Simply Cash Card earns a flat 1.5% on all eligible spend. The Citi Cash Back+ Card earns a flat 1.6% on all eligible spend. On earn caps, the Standard Chartered Simply Cash Card is uncapped and the Citi Cash Back+ Card is uncapped.
Where the Standard Chartered Simply Cash Card and the Citi Cash Back+ Card are alike
Both carry the same S$196.20 annual fee. Neither card caps the total cashback earned each month.
How the projection is calculated
The earnings section above projects each card’s annual cashback from the category amounts you enter, using each issuer’s published rates and caps. Output depends only on the card data and your inputs — affiliate status never changes the figures or the order they appear in. You can simulate any spending mix to compare the two cards at your own profile.
Frequently asked questions
What is the difference between the Standard Chartered Simply Cash Card and the Citi Cash Back+ Card?
The Standard Chartered Simply Cash Card earns a flat 1.5% on all eligible spend. The Citi Cash Back+ Card earns a flat 1.6% on all eligible spend. On earn caps, the Standard Chartered Simply Cash Card is uncapped and the Citi Cash Back+ Card is uncapped.
Do the Standard Chartered Simply Cash Card and the Citi Cash Back+ Card charge an annual fee?
The Standard Chartered Simply Cash Card: S$196.20 (First year waived). The Citi Cash Back+ Card: S$196.20 (First year waived).
Which card projects more cashback for my spending?
It depends on your spending mix. The simulator above projects each card’s annual cashback from the amounts you enter, and states which card projects higher at that spend. Change the inputs to compare at your own profile — the figures could move either way depending on where your spend lands.
What are the earning caps on the Standard Chartered Simply Cash Card and the Citi Cash Back+ Card?
On total cashback, the Standard Chartered Simply Cash Card is uncapped and the Citi Cash Back+ Card is uncapped.
Is this comparison affected by affiliate links?
No. The projected figures and the order of the two cards depend only on each card’s published data and the spending you enter; affiliate status never changes them. Card details are shown as of each issuer’s verification date — confirm current terms with the issuer before applying.
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.