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  1. Employee Banking
  2. Simply Cash Credit Card

Simply Cash Credit Card

Get S$288 cashback when you activate and spend S$388 on your Simply Cash Credit Card. T&Cs apply.

Enjoy cashback with no cap & no minimum spend
  • Earn
    1.5%

    cashback on all your spends. T&Cs apply.

  • Get
    S$288 cashback

    when you spend S$388 within 30 days of card approval. T&Cs apply.

  • Get
    S$158 cashback

    when you successfully refer your friends or family for a Simply Cash Credit Card.

Important notice

With effect from 5 December 2022, please note that we have renamed the Unlimited Cashback Credit Card to Simply Cash Credit Card, as well as a refreshed card design. For FAQs, please click here.

Benefits

   

Text, Credit Card

GET S$288 CASHBACK

Get S$288 cashback when you activate your physical Simply Cash Credit Card and spend S$388 within 30 days of card approval. T&Cs apply.

Text, Credit Card

GET 1.5% CASHBACK

Enjoy 1.5% cashback on all your spends with Simply Cash Credit Card! No minimum spends required.

T&Cs apply.

Art, Graphics, Nature

National Day S$158 Member-Get-Member Promotion

You’ll earn S$158 cashback for every successful Standard Chartered Simply Cash Credit Card applications when you refer your family and friends.

Plus, those you refer will be rewarded with cashback of S$12 on top of their new Standard Chartered credit card welcome offer.

Exclusive National Day Credit Card Member-Get-Member Promotion is extended till 31 August 2023! Cashback is capped at S$1,580 per referrer.

T&Cs apply.

Click here to start referring.

Machine, Pump, Gas Station

GET $24 CALTEX FUEL VOUCHERS

Receive 6 x S$4 off each fuel purchase upon your Simply Cash Credit Card approval. Vouchers will be sent to eligible cardholders via SC Mobile App Push Notification. T&Cs apply.

Simply Cash Credit Card Features

Instant Digital Credit Card

Apply for an Instant Digital Credit Card online using MyInfo. Read more

Fund Transfers

Get cash instantly at 0% interest at a one-time processing fee with your Standard Chartered Unlimited Cashback Credit Card. T&Cs apply. Read more

SC EasyBill

Get Cashback/Reward points/Bonus Interest on IRAS, Education, Insurance & Rental payment. T&Cs apply. Read more

EasyPay

Convert your retail transactions into interest-free instalments with no or low processing fees. T&Cs apply. Read more
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The EZ-Reload by Card functionality will be discontinued for all Standard Chartered Unlimited Cashback Credit Cards from 15 January 2021 (inclusive of this date).
The EZ-Link facility enabled on Standard Chartered Unlimited Cashback Credit Cards issued before 8 December 2019 can still be used until the expiry date of the card. The EZ-Link facility enables you to tap your card to pay for your public transport and commute easily. Click here for FAQs.

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$30,000

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.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

For salaried employees:
  • Copy of NRIC (front and back)
  • Latest computerised payslip OR
  • Latest 6 months’ CPF Contribution History Statement OR
  • To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.
For self-employed
  • Copy of 2 year income tax notice of assessment (must be in business for a minimum of 2 years)
For commission earner (any one from below)
  • Latest 3 months payslip + Latest income tax notice of assessment
  • Latest 6 months CPF contribution history statement
  • Latest 3 months payslip
  • Copy of 2 year income tax notice of assessment ( For 100% commission earner)

Refer to application form for details

Application Eligibility

  • Aged: 21 – 65 years
  • Minimum annual income: S$60,000
  • Must hold a Singapore Employment Pass

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.

For New Customers or Existing Customers with Change(s) in Income/Employment

For SingPass holders applying with MyInfo

No documents are required

Please prepare the following:
  • Copy of Passport (with at least 6 months’ validity)
  • Copy of your Employment Pass (with at least 6 months’ validity)
  • Any ONE of the following documents:
    (i) Latest utility bill, rates or tax bill
    (ii) Latest bank / credit card statement (e-Statements are accepted)
    (iii) Rental agreement showing your address
    (iv) Latest mobile phone statement or pay-TV statement
    (v) Letter from employer stating current address
    (vi) Government-issued document stating current address (e.g. IRAS, CPF, ICA)
Additional Documents:
For Salaried Employees/Partial Commission-based Earners
  • Latest computerised payslip

    To be considered for a higher loan amount, please submit your latest Income Tax Notice of Assessment (NOA) in addition to the above.

For 100% Commission-based Earners
  • Copy of NRIC (front and back)
  • (i) Latest Income Tax Notice of Assessment (NOA) OR
    (ii) Latest 3 months of Commission Statement from same employer
For Self-employed
  • Latest Income Tax Notice of Assessment (NOA)

Annual Fee

The annual fee is waived off for the first year.
Thereafter, annual fee is S$192.60 (including 7% GST); adjusted to S$194.40 (including 8% GST) from 1 January 2023

Finance Charges

EIR 27.9% per annum (minimum) Effective Interest Rate (“EIR”): If payment is not made in full by the due date, finance charges will be calculated on a daily basis at 0.076% from the respective transaction dates for all transactions to the date the payment is received.

Cash Advance

Your cash advance fee per transaction is 8% on the Cash Advance, subject to a minimum fee of $15 plus Finance Charges at 0.082% per day on the amount withdrawn from the date of the transaction until the date of full payment.

Late Payment Charges

A late payment charge of S$100 will be charged if minimum payment due is not received by the due date.

For more details on all other applicable fees and charges, please click here.

As part of our efforts to go green, the following will no longer be included within the credit cards welcome pack:
ABS Consumer Guide for Credit Cards which contains information on understanding credit cards and credit card usage and which can be found here
Important Information Document for Standard Chartered Credit Cards which contains information on all relevant interest, fees and charges and which can be found here
If you would like to receive a printed copy of any of the above, please call our 24-hour Client Contact Centre at +65 6747 7000.

If your credit card is newly approved and you wish to have a free credit report*, you may obtain it within 30 calendar days upon card approval via the credit bureau website or at their registered office. You will need the following documents to obtain the free credit report:
Card carrier that comes with your credit card
• NRIC
• Credit Bureau (Singapore) Pte Ltd
2 Shenton Way
#20-02 SGX Centre 1
Singapore 068804
Tel: +65 6565 6363
www.creditbureau.com.sg
*Note: The free credit report is not available for renewed or replaced cards.

Click here for the full Standard Chartered Simply Cash Credit Card Terms and Conditions that apply.

There are no cashback tiers, the Simply Cash Credit Card offers 1.5% cashback on all eligible spends.

There is no minimum spend required to be eligible for cashback.

The cashback for your eligible spends in each statement cycle will be credited into your Simply Cash Credit Card in the next statement month.

There is no cap on the cashback amount that you are eligible to earn, the Simply Cash Credit Card gives you 1.5% cashback on all eligible spends.

Please visit sc.com/sg/terms-and-conditions/simply-cash-credit-card-terms-and-conditions/ to view the list of transactions which are not eligible to earn cashback on the Simply Cash Credit Card.

Click here for more FAQs.

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