Standard Chartered Simply Cash Credit Card

Shop for your grocery plus dining, petrol fueling or reload your favourite e-wallets to enjoy up to 15% cashback every month! No annual fee for the first year.

Standard Chartered Simply Cash Credit Card15% cashback for e-wallets and petrol spent
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 15%
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

Get a FREE
NEW Samsung Galaxy S24 Ultra
worth RM6299
when you apply through RinggitPlus *

NEW Samsung Galaxy S24 Ultra

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Cashback

Simply Cash Credit Card gives up to 15% cashback every month upon spending on selected categories such as Petrol, Groceries plus Dining and E-Wallets. Spending below RM2,500 will have a monthly cap of RM12.50. Meanwhile, for spending RM2,500 and above, you'll have a monthly cap of RM60, which means RM20 for each category (Grocery plus Dining is under one category), subject to the cashback cap in each spend tier.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Selected Petrol, E-Wallet, and Grocery plus Dining0.5%RM12.50 up to RM2,499 monthly
Selected Petrol, E-Wallet, and Grocery plus Dining15%RM60from RM2,500 or above monthly

Petrol

Save some bucks when you fuel your car as you get to earn up to 15% cashback every month, subject to a spending amount criteria.

Premium

Simply Cash credit card is available for Apple Pay, Samsung Pay and Google Pay for a seamless transaction! Enjoy flexible credit lines such as Standard Chartered's Easy-Payment-Scheme, Cash-On-Call Plus, Automatic Balance Conversion and others for a better cash flow. On top of that, get covered with up to USD200 when you shop at any e-commerce platform globally, exclusively by Mastercard with terms and conditions applied. Additionally, splurge through exciting offers and privileges via the Live The Good Life program by Standard Chartered.

Balance Transfer

Take control of your credit card debt instead of accumulating more with minimum monthly repayments. Enjoy lower interest rates of 5.99% per annum and repayment periods of up to 36 months with Standard Chartered Balance Transfer PLUS.

Pay OverWith Interest Rate AtWhen You Transfer
12 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Standard Chartered Balance Transfer PLUS

Easy Payment Plans

Standard Chartered FlexiPay Plus lets you spread out your repayment up to 60 months tenure with low-interest rates. Apply easily via SC Mobile Banking App.

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
3 months9.88% p.a.and no one-time upfront handling feeRM500
6 months9.88% p.a.and no one-time upfront handling feeRM500
9 months9.88% p.a.and no one-time upfront handling feeRM500
12 months9.88% p.a.and no one-time upfront handling feeRM500
18 months9.88% p.a.and no one-time upfront handling feeRM500
24 months9.88% p.a.and no one-time upfront handling feeRM500
36 months9.88% p.a.and no one-time upfront handling feeRM500
48 months9.88% p.a.and no one-time upfront handling feeRM500
60 months9.88% p.a.and no one-time upfront handling feeRM500
Learn more about Standard Chartered FlexiPay Plus

Fees & Charges

Annual Fee
  • RM250 primary card

    First year free

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM25 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
MasterCard PayPass

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

Easy Payment Plan
Standard Chartered FlexiPay Plus
FlexiPay Plus lets you convert your big retail purchases to an instalment plan for up to 60 months at low interest rates via the SC Mobile Banking App!
Balance Transfer Plans
Standard Chartered Balance Transfer PLUS
Transfer your outstanding balances to a new Standard Chartered credit card with low and fixed interest rates. Stretch your repayments up to 36 months!

Review

Standard Chartered Credit Cards Promotion

For a limited time, qualified applicants of eligible Standard Chartered credit card(s) will receive a free sign-up gift of:

  • Samsung Galaxy S24 Ultra (For every 20th qualified applicant based on the bank's approval list who submits EPF Statements as their income document to the bank's online application form, capped at 10 units)
  • RM600 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who submit EPF Statements as their income document to the bank’s online application form)
  • RM500 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who do not submit EPF Statements as their income documents to the bank's online application form)

This promotion is valid from 19 February 2024 until 26 February 2024, subject to the campaign’s terms and conditions.

Who is qualified for this promotion?

This promotion is open to new customers only. Those who are not eligible to apply are existing principal/supplementary cardholders(s) and those who have cancelled their Standard Chartered credit card(s) within 12 months before the flash deal application.

How to be eligible for the gift?

Apply, get approved by Standard Chartered, subsequently activate the new card and make at least eight (8) retail transactions with a minimum of RM800 as the sum of these transactions within 60 calendar days upon the approval date.

Which credit card(s) can I apply for?

You can apply for:

  • Standard Chartered Simply Cash Credit Card
  • Standard Chartered Smart Credit Card
  • Standard Chartered Journey Credit Card
  • Standard Chartered Visa Platinum Credit Card

Where can I reach out to you for more information?

For any questions, please get in touch with us via email at [email protected]. We're happy to help!

Highlights of the Standard Chartered Simply Cash Credit Card

Recently renamed to Simply Cash Credit Card from the previous JustOne Platinum Credit Card, Standard Chartered has also revised the cashback benefits for this new card. Before we get into the details, let’s see some of the highlights below.

  • Highest cashback rate: 15%
  • Highest cashback amount: RM20 for each spending category
  • Minimum spend to earn the highest cashback amount: RM2,500 monthly
  • Eligible spending categories to earn the highest cashback rate: Petrol, E-Wallet, Grocery plus Dining (these two are under one category)
  • Eligible cardholder(s): Principal and Supplementary

Tell me more about the cashback benefits.

With Standard Chartered Simply Cash Credit Card, spending on everyday essentials can be rewarding and at the same time, helps you save some bucks every month. But how so?

Just spend on selected categories such as Petrol, E-Wallet, and Grocery plus Dining, and you can earn up to 15% cashback monthly. The cashback cap, on the other hand, is capped at RM20 monthly for each of the categories (remember, Grocery plus Dining are combined into one), subject to the cashback cap in each spend tier.

Eligible Spending Amount Cashback Reward for Petrol, E-Wallet, Grocery and Dining Monthly Cap
< RM2,500 0.50% RM12.50
RM2,500 and above 15% RM60

(RM20 each for Petrol, E-Wallet and Grocery plus Dining)

Additionally, to be eligible for the cashback, you must spend with the participating merchants of the four spending categories mentioned above. Here’s a list we’ve compiled for your easy reference.

Cashback Category Participating Merchant
Petrol All petrol stations nationwide
E-Wallet Boost E-Wallet
GrabPay
Lazada Wallet
ShopeePay
Touch ‘n Go E-Wallet
Grocery AEON
AEON BiG
Ben’s Independent Grocer
Cold Storage
ECONSAVE
Everrise
Giant
Jaya Grocer
Lotus’s
Mercato
Mydin
Servay
Village Grocer
Dining Merchant Category Code (MCC):

MCC 5812 - Eating Places and Restaurants
MCC 5814 - Fast Food Restaurants

Enjoy an annual fee waiver with Simply Cash Credit Card

The credit card annual fee for Standard Chartered Simply Cash is RM250. No annual fee is charged to supplementary cardholders.

However, if you are a new Standard Chartered customer, you will be exempted from paying the annual fee for the first year.

Beneficial credit lines from Standard Chartered

If you're looking to manage your finances and get a better cash flow, Standard Chartered can assist you with their flexible credit lines.

We already mentioned a couple of the credit lines above namely the FlexiPay Plus and Balance Transfer Plus. To recap, you can stretch the payment of an item into flexible instalments with low interest via the FlexiPay Plus program. Meanwhile, for the latter program, you can transfer your credit card debt from other banks to a new Standard Chartered credit card with a lower interest rate over longer repayment tenures.

Other than those two, you can also enjoy other credit lines that are as beneficial such as the following list.

  • Easy-Payment-Scheme: You can convert items into a 0% easy payment scheme over flexible tenures only with selected merchants such as Machines, Harvey Norman, Poh Kong and many more.
  • Cash-On-Call Plus: You can get extra cash at hand from your credit card with a fixed interest rate of 9.88% p.a. for up to 60 months.
  • Automatic Balance Conversion: It’s a by-invitation-only program where you’re able to pay off your credit card outstanding balance with much lower interest over a longer instalment period.

Mastercard e-commerce purchase protection

This is a special feature to benefit from for Simply Cash Credit Card holders. If you tend to shop online internationally, you can get your items covered up to USD200. This protection plan is offered by AIG Malaysia Insurance Berhad for the following occurrences. You can find more details of this benefit in the T&C here.

  • Non-delivery and/or incomplete delivery of goods and shipping charges (applicable within 30 days of the scheduled delivery)
  • Improper functioning/physical damage of the goods

What happens if I do not make a repayment on time?

There will be a finance charge incurred on the outstanding credit card balance that is overdue. This finance charge, ranging from a minimum of 15% per annum to a maximum of 18% per annum, is tiered based on the user's repayment behaviour in the last 12 months.

See the table below for reference:

Annual Rate Condition
15% Cardmembers who promptly settle their Minimum Monthly Payment due for 12 consecutive months.
17% Cardmembers who promptly settle their Minimum Monthly Payment due for 10/11 months in the last 12 consecutive months.
18% Cardmembers who make 9 months or less prompt payments of their Minimum Monthly Payment in the last 12 consecutive months.

For example, if within 12 months from the card approval date you have missed 3 credit card repayments consecutively, an 18% per annum finance charge will be levied on the credit card outstanding balance.

After you have managed to consistently repay your credit card outstanding balance promptly and in full for 12 consecutive months, the finance charge will default to the minimum.

What are the required documents to make an application?

If you are a salaried employee, please prepare the following documents.

Private sector:

  • Copy of your IC (both sides); and
  • Latest 3 months salary slip (3 months bank statement if required); or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

Public sector:

  • Copy of your IC (both sides); and
  • Latest 3 months salary slip and 3 months bank statement; or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

If you are a commission earner, please prepare the following documents.

Private sector:

  • Copy of your IC (both sides); and
  • Latest 6 months salary slips/commission statement; or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

If you are self-employed, please prepare the following documents.

  • Copy of your IC (both sides); and
  • SSM for Sole Proprietor/ Partnership / Private Limited Co. > 2 years; and
  • B or BE Form with LHDN Acknowledgement Receipt
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