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Simply Cash credit card
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  2. Simply Cash credit card

Simply Cash credit card

Apply with your EPF statements and get up to 15% cashback on your daily spend. T&Cs apply.

Get up to RM480 savings on your daily spend with Simply Cash Credit Card
  • Up to
    15% cashback

    on petrol, grocery plus dining spends at selected merchants

  • Enjoy
    RM1 Deals

    Live the Good Life® with RM1 Deals at ZUS Coffee and more

  • Enjoy
    0%

    easy payment scheme at selected merchants

1Terms and Conditions apply.

Credit Card Features

Mobile Wallet

Enjoy digital payment convenience with Samsung Pay, Apple Pay & Google Pay. Faster and more secure way to pay.

Get cashback every time you spend

Enjoy up to 15% cashback on selected grocery plus dining and petrol.

Easy-Payment-Scheme

Convert your transactions into 0% easy payment scheme at selected merchants. Read More

FlexiPay Plus

Convert your Standard Chartered credit card purchases into a low interest rate instalment plan with FlexiPay Plus Read More
Show more Show less

Your Monthly Cashback

Spend with your Standard Chartered Simply Cash credit card  and earn up to 15% cashback, here’s how:
Retail Spend per Calendar Month (RM)
Petrol, Grocery1 and Dining2
Cashback Cap (RM)
Below 2,500 0.5% 10
2,500 and above 15% 403
1 List of grocery spend merchants: AEON, AEON BIG, Ben’s Independent Grocer, Cold Storage, ECONSAVE, Everrise, Giant, Jaya Grocer, Lotus’s, Lulu Hypermarket, Mercato, Mydin, Servay and Village Grocer. 2 List of eligible dining merchant category code (MCC): 5812 and 5814. 3 Petrol and grocery plus dining cashback is capped at RM20 each, subject to the cashback cap in each spend tier.

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM96,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Latest 2 years EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app) Click here

Note: Effective 13 May 2024, please ensure that “Account 3” is shown in your latest downloaded EPF statement

Salaried (Government Sector) / Self-Employed
  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM96,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

For New Customers
Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Commission Statement & Bank Statement
Salaried (Government Sector) / Self-Employed
  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Finance/interest charges

15-18% p.a.

Click here to know more about the Credit card Tiered Interest Rates

Annual Fees

Principal Card : RM250 (1st year Annual Fee Waiver )

Supplementary Card : Free

Service Tax

Principal Card : RM25

Supplementary Card : RM25

Minimum Monthly Repayment

5% of the outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charges

Minimum RM10 or 1% of the total outstanding balance as of the statement date, whichever is higher.

Late payments charges are capped at a maximum of RM100 per account

Cash Advance Fee

Up to 5% or a minimum of RM25 will be imposed for each transaction

Overlimit Service

A Fee of RM50 will be charged if Cardholder had exceeded his/her approved credit limit.

Overseas Transaction Fees

Overseas transactions (including merchants with an overseas payment gateway) are subjected to fees, charges and commission as determined by Visa International / MasterCard Worldwide. Transactions in a currency other than Ringgit Malaysia shall also be converted at the exchange rate determined by Visa International / MasterCard Worldwide / the Bank on the date the transaction is processed.

In addition, the Bank will charge a 1% administration fee on the amount transacted in foreign currency with any MasterCard Credit Card and/or Visa Credit Card

Click here to know more about the Credit card Fees & Charges

You can apply online at sc.com/my

You must be above 21 years old, and the minimum annual income requirement is RM96K.

You will earn up to 15% cashback on selected grocery plus dining and petrol.

This is a feature where you can consolidate all your credit card outstanding balances and enjoy a fixed low interest rate across a range of flexible repayment periods.

It is an insurance policy covered by AIG Malaysia, provided by Mastercard, to insure your online purchases.

The annual fee is RM250 for a principal card (first year annual fee is waived), and free for a supplementary card.

Simply log on to sc.com/my and use Click to Chat to speak to our Client Care agent.

It is enabled once card is activated.

Click here for Privacy Statement (PDPA)
Click here for Client and Credit Card terms
Click here for Product Disclosure Sheet (PDS)

  1. Eligibility: You are eligible to apply for a Simply Cash credit card if you meet:
    • The minimum age requirement of 21 years for principal cardholder;
    • The minimum age requirement of 18 years for supplementary cardholder; and
    • The minimum income requirement of RM96,000 per annum.
  2. Retail purchase excludes the following transactions:
    • Cash advances, cash withdrawals, charges for cash advance or cash withdrawals, annual fees, interest, finance charges, late payments fees, disputed transactions or any other form of service or miscellaneous fees charged by us;
    • Balances products including but not limited to Balance Transfers, Balance Transfers Plus, Cheque On Call, Cheque On Call Plus, Flexi On Payment, Flexi On Payment Plus, Flexi On Balance, Flexi On Balance Plus, Easy Payment Scheme (EPS);
    • Government service tax and other taxes imposed by law;
    • Government related transactions which include but are not limited to payment of rates, charges, fines to Governmental, statutory and judicial bodies;
    • Charity and organizations related transactions which include but are not limited to payment and contributions to charitable, non-profitable, community or social service organizations;
    • Transactions under Merchant Category Code (MCC) 8999 “Professional Services” which include but are not limited to Jompay transactions, FPX transactions, DuitNow QR transactions and Paypal transactions;
    • Casino transactions (transactions with MCC 7995/ 4829/ 6051).
    • Special events categories which include but are not limited to catering, funeral and crematoria services, clothing rental, photographic or videographic studios, dance halls and florists;
    • Utilities related transactions which include but are not limited to telecommunications, cable television, electric, gas and water;
    • Professional and Commercial Services transactions under MCC 6010 – 6012, 6050, 6211, 6513, 6529 – 6535; or
    • Insurance transactions under MCC 5960 & 6300.
  3. The amount of retail purchases made by your supplementary cardholders will count towards meeting your minimum retail purchase requirement to be eligible to receive the cashback.
  4. 360⁰ Rewards Points and WorldMiles Points are not applicable for this product.
  5. The assignment of Eligible Transaction Type and Merchant Category Code (MCC) will determine the cardholder’s entitlement for the category of cashback. It is the responsibility of the Acquiring Bank to assign the correct eligible transaction type and Merchant Category Code. SCB shall not be held responsible for any incorrect assignment of the eligible transaction type and Merchant Category Code by the Acquiring Bank at the eligible merchant.
  6. Click here to view full Simply Cash credit card Product Terms and Conditions.
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RM1 Deals, all year long

Enjoy savings at ZUS Coffee and more with your Standard Chartered credit card.

Terms and conditions apply.
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