Standard Chartered Simply Cash Card cashback rates & bonus categories
Cashback is awarded by MCC code. The rates below depend on the merchant filing the right category code — verify any merchant in our MCC database.
| Category | Rate | Details |
|---|---|---|
| All eligible spend | 1.5% | Unlimited 1.5% cashback on all eligible spends with S$0 minimum spend requirement. |
Reward currency: Cashback. Source: Standard Chartered official page (reviewed 22 September 2026).
Standard Chartered Simply Cash Card: pros & cons
Pros
- Genuinely zero-friction: no tiers, no caps, no categories
- Higher flat rate than most below-threshold base rates on category cards
- Works as the "everything else" card in a multi-card wallet
Cons
- 1.5% ceiling trails category bonuses significantly
- No bonus categories at all — no way to earn above 1.5%
Who the Standard Chartered Simply Cash Card is good for
- Set-and-forget cardholders
- High earners who blow past category caps
- Filling gaps in a category-card wallet
Frequently Asked Questions
Is SC Simply Cash cashback really uncapped?
Yes — 1.5% on all eligible spend with no minimum spend and no cashback cap.
SC Simply Cash vs Citi Cash Back+ — which is better?
Both are flat-rate, no-minimum-spend, uncapped cards. Citi Cash Back+ earns 1.6% vs Simply Cash’s 1.5%, so Citi edges ahead on rate — check current sign-up offers and annual fee waivers when deciding.
What counts as eligible spend?
Standard exclusions apply (bank fees, transfers, quasi-cash and similar). Day-to-day retail, online and contactless spend earns the full 1.5%.
Last reviewed: 22 September 2026 | Rates, caps and minimum spend may change. Always verify with CheckMCC and Standard Chartered before applying.