| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| Standard Chartered Simply Cash Credit Card | 1.5% on everything | none | no overall cap | S$196.20 |
| Standard Chartered Smart Credit Card | 10% Bus and MRT via SimplyGo · 8% Fast food and coffee chains · 8% Streaming | S$800 a month | no overall cap | S$99.19 |
Standard Chartered Simply Cash Credit Card
A flat 1.5% on eligible spend with no minimum and no cap.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Everything else eligible | 1.5% | none | none |
- Minimum spend: none. No minimum spend
- Cap: no overall cap. No cap
- Annual fee: S$196.20. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: credit card
What doesn't earn cash back
- cash advances, fund transfers and EasyPay instalments
- AXS, SAM, insurance premiums and bill payments through online banking
- top-ups of prepaid cards and EZ-Link
- fees, interest and betting
Sources: Standard Chartered Simply Cash Credit Card; Standard Chartered card transaction exclusions. Checked 13 October 2026.
Standard Chartered Smart Credit Card
8% to 10% at ten fast-food and coffee chains, eight streaming services and on SimplyGo, from S$800 a month, with no cap and the lowest annual fee in this catalog. Rewards come as points you convert to cash back.
Paid in 360° Rewards Points, converted to cash back in blocks of 3,200 points = S$10; the bank states the rates as cashback equivalents. Below S$800 a statement month everything earns 0.5%; from S$800, 8% at the listed brands and on SimplyGo and 0.5% elsewhere; from S$1,500, 10% and 1%.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Bus and MRT via SimplyGo | 8% | none | S$800 |
| Bus and MRT via SimplyGo | 10% | none | S$1,500 |
| Fast food and coffee chains — only at McDonald's, KFC, Burger King, Subway, Starbucks, Coffee Bean, Pizza Hut, Domino's, Toast Box, Ya Kun — 10% from S$1,500 a month | 8% | none | S$800 |
| Streaming — only at Netflix, Spotify, YouTube, Disney+, Amazon Prime Video, HBO GO, iQIYI, Viu — 10% from S$1,500 a month | 8% | none | S$800 |
| Everything else eligible | 0.5% | none | none |
| Everything else, in months with more spend | 1% | none | S$1,500 |
- Minimum spend: S$800 a month. S$800 a statement month (S$1,500 for the 10% tier)
- Cap: no overall cap. No cap
- Annual fee: S$99.19. Waived for the first year
- Minimum income: S$30,000 a year (Singaporeans and PRs)
- Card: Visa credit card
What doesn't earn cash back
- cash advances, fund transfers and EasyPay instalments
- AXS, SAM, insurance premiums and bill payments through online banking
- top-ups of prepaid cards and EZ-Link
- fees, interest and betting
Promotion until 31 December 2026: Bonus points on electric vehicle charging. Terms
Sources: Standard Chartered Smart Credit Card; Standard Chartered Smart Card terms (PDF); Standard Chartered pricing guide. Checked 13 October 2026.
Questions and answers
What is the minimum spend on the Standard Chartered Simply Cash Credit Card?
There is no minimum monthly spend: the Standard Chartered Simply Cash Credit Card pays its rates from the first dollar of eligible spend.
What is the cash back cap on the Standard Chartered Simply Cash Credit Card?
There is no overall monthly cap.
Is there an annual fee on the Standard Chartered Simply Cash Credit Card?
S$196.20 a year, including GST. Waived for the first year.
What is the minimum spend on the Standard Chartered Smart Credit Card?
S$800 of eligible spend a month. S$800 a statement month (S$1,500 for the 10% tier).
What is the cash back cap on the Standard Chartered Smart Credit Card?
There is no overall monthly cap.
Is there an annual fee on the Standard Chartered Smart Credit Card?
S$99.19 a year, including GST. Waived for the first year.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- UOB cashback cards
- Citi cashback cards
- HSBC cashback cards
- Trust Bank cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.