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 21 September 2026 · Reviewed by Raymond, Rates.my
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 has an annual fee of RM250 (free 1st year (t&c apply; no public subsequent-year waiver condition confirmed)).
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.
- +Annual fee waivable (free 1st year (t&c apply; no public subsequent-year waiver condition confirmed))
- +Up to 15% cashback on best sc cashback
- −RM250 annual fee unless the waiver condition is met
- −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
The catches most people miss on the Standard Chartered Simply Cash, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No cashback on cash advances/withdrawals, annual fees, interest, finance & late payment charges, Balance Transfer/Balance Transfer Plus/Flexi On Balance Plus, government service tax & other statutory taxes, government payments, charitable contributions, JomPay/FPX/DuitNow QR & PayPal (MCC 8999), casino transactions, special-event categories (catering, funeral services, clothing rental, photography, dance halls, florists), utilities (telco, cable, electric, gas, water), professional/commercial services (MCC 6010-6012, 6050, 6211, 6513, 6529-6535), and insurance transactions.
- Min spend to earn
- Below RM2,500/mo combined petrol+grocery+dining spend earns only the base 0.5% rate; RM2,500+/mo unlocks the 15% bonus rate on those categories.
- How the cap works
- Bonus cashback capped RM40/mo overall, split RM20 each between (petrol+grocery combined) and dining; base 0.5% tier separately capped.
- Foreign transaction fee
- The Bank will charge a 1% administration fee on the amount transacted in foreign currency, plus Visa's own conversion rate.
- ⚠e-wallet reloads are excluded from cashback entirely, at both the bonus and base rate
Verified 20 September 2026. Summarised in our own words from Standard Chartered's published terms — indicative only, and terms change. Read the official document before you apply.
📄 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.
The annual fee is RM250, but it can be waived: free 1st year (t&c apply; no public subsequent-year waiver condition confirmed).
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)". Weigh the RM250 annual fee against how much you'll earn back. 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.