Standard Chartered Simply Cash Credit Card

Cashback1st year fee waived

How it earns

1.5% on all eligible spend, no minimum, no cap

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$338	S$142	24 of 27
Eats out a lot S$2,050/mo	S$351	S$155	24 of 27
Frequent traveller S$3,570/mo	S$621	S$425	22 of 27
Family with a car S$3,050/mo	S$513	S$317	23 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived.
Minimum income	S$30,000 (citizens & PRs) · S$90,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	—
Expiry	—
Foreign-currency fee	3.5%

Good to know

Foreigners need an Employment Pass and S$90,000 income.

Common questions

What is the annual fee on the SC Simply Cash?

S$196.20 a year including GST, waived for the first year. First year waived.

What income do I need for the SC Simply Cash?

S$30,000 (citizens & PRs) · S$90,000 (foreigners).

How much will I earn with the SC Simply Cash?

On a typical S$2,000 a month of everyday spending, about S$338 cashback a year, or S$142 after the annual fee. That ranks it 24 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the SC Simply Cash?

3.5% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on Standard Chartered's own page before applying. Found something out of date? Tell us.