Standard Chartered Simply Cash Credit Card
CardIQ
Fair
Overall score, out of 100 · How this works
- Cashback85
- No annual fee39
- Rewards13
Customer reviews
No reviews yet. Be the first to review the Standard Chartered Simply Cash Credit Card.
Pros & cons
What's good
- No annual fee.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from S$0 to S$196 in the second year.
- The 27.9% p.a. purchase rate sits in the most expensive quarter of cards (the median is 27.8% p.a.) if you carry a balance.
- Earns no rewards points on spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- S$0 p.a.
- Card tier
- Not published
- Card type
- Not published
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- None
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 21 years old
- Minimum income
- S$30,000 p.a.
- Residency
- Singaporean or Singapore PR (S$30,000 a year); foreigner with a Singapore Employment Pass (S$90,000 a year)
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 29.90% p.a.
- Purchases
- 27.90% p.a.
Fees
- Additional cardholder fee
- S$0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- S$196.20 p.a.
- Cash advance fee
- 8% of the amount
- Foreign transaction fee
- 3.5%
- Late payment fee
- S$100
- Over limit fee
- S$40
Repayments
- Interest-free period
- Up to 22 days on purchases
- Minimum repayment
- 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
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Ongoing cashback
- 1.5% on eligible spend
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.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
Compare the Standard Chartered Simply Cash Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- Standard Chartered