Standard Chartered Simply Cash
15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo)
Apply for Standard Chartered Simply Cash →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
Standard Chartered Standard Chartered Simply Cash overview
The Standard Chartered Standard Chartered Simply Cash is a Card-tier Visa cashback card built around cashback. 15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo). It best suits upper-middle-income earners, with a minimum income requirement of RM96,000 a year. It carries no annual fee.
Features & benefits
- ✓15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo — RM20 per category)
- ✓0.5% cashback on these categories below RM2,500/mo spend (capped RM10/mo)
- ✓e-wallet reloads excluded
- ✓Annual fee RM250 (waived 1st year)
Is the Standard Chartered Simply Cash worth it?
The Standard Chartered Simply Cash is best suited to upper-middle-income earners — its minimum income requirement is RM96,000 a year (about RM8,000 a month). As a cashback card, it works best for everyday spenders who want straightforward rebates on categories like petrol, groceries and dining.
- +Free for life — no annual fee
- +Up to 15% cashback on best sc cashback
- −Cashback capped at RM40 a month
- −Top cashback applies only to specific categories (best sc cashback)
- −Higher income requirement — RM96k a year
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Cashback at a glance
Rewards everyday spending, up to RM40/month. The maximum is the published monthly cap; actual cashback depends on the exact eligible categories, exclusions and minimum-spend terms — confirm the fine print below before you apply.
Eligibility & how to apply
Requirements are general guidance — Standard Chartered sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read Standard Chartered's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official Standard Chartered Simply Cashterms & product disclosure →Standard Chartered Simply Cash FAQ
You need a minimum annual income of RM96,000 (about RM8,000 a month). Standard Chartered also considers your overall credit standing.
No — the Standard Chartered Simply Cash is free for life with no annual fee.
It earns up to 15% cashback on best sc cashback, capped at RM40 a month. 15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo).
No — the Standard Chartered Simply Cash is a conventional credit card. Check with Standard Chartered for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want cashback — its main draw is "15% cashback on petrol, groceries & dining (min RM2,500/mo spend, capped RM40/mo)". With no annual fee, there's little downside to holding it. Compare it with the related cards below before applying.
See how the Standard Chartered Simply Cash compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Standard Chartered before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Standard Chartered; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.