Citi Cash Back+ Card vs Standard Chartered Simply Cash Credit Card
Compare Citi Cash Back+ Card, Standard Chartered Simply Cash Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Citi •••• •••• •••• •••• Credit Card CompareMastercard Citi Cash Back+ Card | Standard Chartered •••• •••• •••• •••• Credit Card Compare Standard Chartered Simply Cash Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 50Fair Highest | 46Fair |
|---|---|---|
| Cashback | 88/100Highest | 85/100 |
| No annual fee | – | 39/100 |
| Rewards | 13/100 | 13/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Mastercard | Not published |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a. | S$30,000 p.a. |
| Residency | Singaporean or Singapore PR (S$30,000 a year) or foreigner (S$42,000 a year) | Singaporean or Singapore PR (S$30,000 a year); foreigner with a Singapore Employment Pass (S$90,000 a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 25 daysHighest | Up to 22 days |
|---|---|---|
| Minimum repayment | Greater of (a) 1% of the current balance plus 1% of unbilled instalments, all interest, instalment fees and late payment charges, or (b) S$50; plus any overdue amounts; a balance under S$50 is due in full | The greater of S$50 or 1% of principal (including instalments billed in the month), plus interest, fees and charges, plus any overlimit and past-due amount; balances under S$50 are due in full |
Rates & fees
Ongoing interest rates
| Purchases | 27.90% p.a. | 27.90% p.a. |
|---|---|---|
| Cash advances | 27.90% p.a.Lowest | 29.90% p.a. |
Fees
| Annual fee | S$196.20 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$0Lowest |
| Cash advance fee | 8% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25%Lowest | 3.5% |
| Late payment fee | S$100 | S$100 |
Rewards
Cashback
| Sign-up cashback | S$320 | — |
|---|---|---|
| Spend required | S$4,000 in 2 months | — |
| Ongoing cashback | 1.6% on eligible spend | 1.5% on eligible spend |
| Cashback cap | No minimum spend and no cap. Citi Plus customers with a Citi Interest Booster Account earn a 0.4% bonus on the Mastercard with S$500 to S$2,000 of eligible spend a calendar month (at most S$8 a month). | 1.5% unlimited cashback on eligible retail spend: no minimum spend and no cap. Cashback is worked out monthly and credited in the following statement cycle; listed exclusions earn none. |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- CitiStandard Chartered