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Standard Chartered Simply Cash Visa Card
MoneySmart Exclusive
Unlimited cashback
Unlimited cashback

Standard Chartered Simply Cash Visa Card

HK$96,000
Min. Annual Salary
1.5%
Cash back on local Currency
2%
Cash back on foreign Currency

Apply through MoneySmart and redeem for any of these:

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【Unlimited CashBack all year-round - Get welcome offer of up to HK$1,499 Rewards!🎁】
From now until 30 September 2026, new cardholders who successfully apply for Standard Chartered - Simply Cash Visa Card now via MoneySmart, will get one of the following gifts:
・[🔥Fresh Drop!] Dyson HushJet™ Mini Cool Fan (Value: HK$890, random color)
ポSONY Linkbuds Clip WF-LC900 Truly Wireless Earbuds (Value: HK$1,499, random color)
ポAcer Acerpure Chef Chef 2 in 1 Filp Air Fryer (KF754-7AB) (Value: HK$1,298, random color)
ポHK$800 Apple Store Gift Card/ HKTVmall e-Vouchers/ ParknShop e-Vouchers

Valid till 30 Sep 2026

ARE YOU ELIGIBLE?

  • You need to apply through MoneySmart and credit card has to be approved. There are no spending requirements.

  • Must be a new-to-bank cardholder- Applicants who do not currently hold and have not cancelled any principal card of Standard Chartered Credit Card or MANHATTAN Credit Card issued by Standard Chartered Bank (Hong Kong) Limited (the “Bank”) in the past 6 months from the date of approval of their current applications for a principal card of the Standard Chartered Credit Cards.

  • Before the application through the MoneySmart, please first Turn off ad block; Clear the cookies; Don’t use incognito mode; Turn off the prevent cross-site tracking (Safari users) or Turn off do not track function (Chrome users)

  • After clicking MoneySmart’s designated link, please complete the application form asap; Do not open another web page.

  • The exclusive reward will be fulfilled by MoneySmart, please check with MoneySmart directly

WHAT YOU NEED TO KNOW

  1. Customers must submit the redemption form on or before 10 October 2026 in order to be eligible for exclusive reward. New customers who have successfully applied and obtained card approval, you must log into you MoneySmart account and submit claim form along with any valid card approval materials issued by Standard Chartered Bank for further verification.

  2. The exclusive reward will be fulfilled by MoneySmart, please check with MoneySmart directly.

T&CsFAQClaim Form

Card Details

Good For

Individuals seeking straightforward cashback rewards on every purchase without the hassle of category tracking.
Budget-focused spenders who appreciate a no-annual-fee card for the first year with ongoing unrestricted cashback.
Users preferring a simple credit card structure over complex reward systems or premium offers.

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, insurance company, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Standard Chartered Simply Cash Visa Card: Cashback Rate, Annual Fee & Welcome Offers

The Simply Cash Visa Card offers unlimited cashback, making it suitable for a wide range of spending habits. Cardholders can easily accumulate cashback and earn rewards as they spend. Is the Simply Cash credit card worth it? In this Simply Cash credit card review, we break down the Standard Chartered Simply Cash credit card cashback rate, Standard Chartered Simply Cash credit card annual fee, application requirements, and foreign transaction fees.



Too much to read? Get the key takeaways in seconds!

  • Unlimited Cashback Rates: Earn 1.5% unlimited cashback on local and online spending, and 2% on foreign currency transactions, with no rebate cap.
  • Welcome Offer and Eligibility: New cardholders earning an annual salary of HK$96,000 or above can receive up to HK$600 cashback upon spending HK$8,000 within the first 2 months.
  • Annual Fee and Waiver Conditions: The HK$2,000 annual fee is waived for the first year, with subsequent waivers available for Priority/Premium Banking or payroll account customers.
  • Manual Cash Rebate Redemption: Cashback is not credited automatically and must be manually redeemed via the 360° Rewards Redemption Platform in minimum increments of HK$50.
  • Ineligible Transactions and Fees: Includes a 1.95% foreign transaction fee (offset by the 2% rebate), and excludes bill payments, cash advances, PayMe/FPS transfers, and Octopus AAVS top-ups.

Simply Cash Credit Card Key Features

Key Features Standard Chartered Simply Cash Card
Minimum Annual Salary HK$96,000
Annual Fee HK$2000
Cash Rebate 1.5% on local transactions, 2% on foreign currency transactions

Simply Cash Credit Card Review: Key Features & Benefits

The biggest Simply Cash credit card benefit is its unlimited cashback — 1.5% on local spending and up to 2% on foreign currency transactions. As a Simply Cash Visa Signature card, you'll also enjoy all Visa Signature promotions.

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Standard Chartered Simply Card Cashback Rebate Rate

Payment Type Simply Card Rebate Rate
Local Spending 1.5%
Foreign Transactions 2%
Online Spending 1.5%
Overseas Online Spending 1.5%

Standard Chartered Simply Cash Credit Card Eligible Transactions

Note that cashback is not applicable to Octopus Wallet / Alipay top-ups, Octopus AAVS (automatic add value service), transfers made via the Faster Payment System (FPS, including PayMe), bill payments and cash advances.

Who Is the Simply Cash Card Best For?

The Simply Cash credit card is most suitable for:

  • Consumers with frequent local, online and foreign currency spending
  • Cardholders who want a credit card with no cashback cap, earning rewards on any amount
  • Applicants earning HK$96,000 or above who want to earn the welcome offer

Standard Chartered Simply Cash Welcome Offers

Standard Chartered Simply Cash Welcome Offers Details
Welcome Offers Up to HK$600 Cashback
Eligibility Enjoy HK$600 Cashback for new cardholders who have accumulated eligible transactions of HK$8000 or above within the first 2 months of issuance

Standard Chartered Simply Cash Credit Card Annual Fee

The Simply Cash Visa Card annual fee is HK$2,000, waived for the first year. From the second year onwards, the annual fee is waived if you are a Standard Chartered Priority Banking or Premium Banking customer who meets the minimum balance requirement, or if you hold a Standard Chartered payroll account. The supplementary card annual fee is permanently waived.

Simply Cash Foreign Transaction Fee

A 1.95% foreign transaction fee generally applies to overseas spending with the Simply Cash Visa Card. However, we recommend using the card overseas since foreign currency transactions earn 2% cashback.

How to redeem Standard Chartered Simply Cash Card Cashback?

The rebate you earned will not be credited to your account automatically. Instead, You must log in to the Standard Chartered 360° Rewards Redemption Platform (web version only) to view and redeem rebates or gifts.
However, it is important to note that there is a minimum threshold of HK$50 per account for redemption.

How long does the approval process take?

To apply for the Simply Cash Visa Card, you must be a Hong Kong resident aged 18 or above with an annual income of HK$96,000 or above. You'll also need your Hong Kong ID, income proof for the last 3 months (or the last 1 month for fixed-income earners), and proof of address. Once the application form and documents are submitted, the bank can usually complete the Simply Cash approval within two weeks

Standard Chartered Simply Card Reviews: Standard Chartered Simply Card VS Other CashBack Cards

Standard Chartered Simply Cash Welcome Offers Details
Welcome Offers Up to HK$600 Cashback
Eligibility Enjoy HK$600 Cashback for new cardholders who have accumulated eligible transactions of HK$8000 or above within the first 2 months of issuance
Credit Cards Local Spending Overseas Spending
Standard Chartered Simply Card 1.5% 2%
Standard Chartered Smart Card 5% (selected merchants) Up to 2%
Citi Cash Back 2% (local hotels & dining) / 1% (other) 2%
EarnMORE Up to 2% Up to 2%

Standard Chartered Simply Cash Card vs Standard Chartered Smart Card

Standard Chartered Simply Cash Card and Standard Chartered Smart Card both offer no cap on cashback and the same HK$96,000 annual income requirement.. The Smart Card is ideal for frequent grocery and daily essentials shoppers, offering up to 5% cashback at designated merchants such as DON DON DONKI, 759 STORE, PARKnSHOP, Watsons, and Circle K.
However, cardholders of Standard Chartered Smart Card cannot enjoy cashback when shopping at non-selected merchants. This is where Standard Chartered Simply Cash Card comes in, with a 1.5% cashback on all local spending, making it a more versatile choice for everyday retail use.

Standard Chartered Simply Cash Card vs Standard Chartered Cathay Mastercard

Both the Standard Chartered Simply Cash Card and the Standard Chartered Cathay Mastercard have a minimum annual income requirement of HK$96,000. The Simply Cash Card is ideal for those who prefer straightforward cash rebates: with 1.5% cashback on all local spending and 2% on foreign currency transactions. For frequent travellers and those who prefer earning air miles, the Cathay Mastercard is more ideal, offering HK$4 = 1 Asia Mile for eligible spending on dining, online, and overseas transactions.
In terms of rewards redemption, Cathay Mastercard’s earned Asia Miles are automatically credited to your Asia Miles account with no conversion fees. On the other hand, cashback earned with the Simply Cash Card must be redeemed manually via the Standard Chartered 360° Rewards Redemption Platform, and is subject to a minimum redemption amount of HK$50 per account.

Standard Chartered Simply Cash Card vs EarnMORE Unionpay Card

Standard Chartered Simply Cash Card offers 1.5% CashBack on all local spend and 2% on overseas spend with no restrictions on spending category. Similarly, EarnMORE offers up to 2% cash rebate for all eligible transactions including Octopus AAVS without minimum spending requirements. Additionally, the EarnMORE Card has no minimum annual salary requirement, making it especially suitable for students and those just starting out.

Simply Cash Credit Card FAQ

Does Standard Chartered Simply Cash Card charge a foreign transaction fee?

Yes, a 1.95% foreign transaction fee applies to all overseas spending.

Can I get the annual fee for the Simply Cash Card waived?

The annual fee is waived for the first year. From the second year onwards, the annual fee can be waived if you hold an eligible Priority Banking or Premium Banking account and meet the minimum balance requirement, or if you have a payroll account with Standard Chartered.

Can I pay my Simply Cash Card bill by monthly instalments? Are there any handling fees?

Yes, you can convert your credit card bill to instalment payments for amounts over HK$500. The monthly handling fee ranges from 0.19% to 1.35%, depending on your account status.

If I am already a Standard Chartered account holder, am I eligible for the welcome offer?

No, the welcome offer is only available for new credit card customers.

The information above is updated as of September 2026. All terms and offer details are subject to the bank's latest official announcements.

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  • Established Brand History: Founded in Singapore in 2009, the MoneySmart Group has evolved into a leading personal finance brand.
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