Standard Chartered Simply Cash
KeepFive per cent on clothes and furniture, a quarter of a per cent on your life.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Not published — Standard Chartered's Simply Cash FAQ describes the earn, the caps and the redemption rules and names no joining offer
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Standard Chartered publishes a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #984
Why #984 A cashback card with the narrowest accelerator on Standard Chartered's shelf and the lowest base rate on it — five per cent on clothes, furniture and department stores, a quarter of a per cent on everything else. Carried, not ranked: the earn is fully sourced from a live SC document and the fee is published nowhere.
Standard Chartered says it in one line on the card's own FAQ: "Value of cashback is equivalent to INR 1." This is money, not points — it lands in the 360 Rewards portal and is set against the card's statement balance, and unlike every other Standard Chartered card it is exempt from the ₹99 redemption handling charge.
The take
Standard Chartered's cashback shelf has three cards on it and this is the one the bank stopped talking about. The structure is unusually blunt. Five per cent back at retail fashion, home furnishing and departmental stores — no minimum transaction, no minimum category spend, nothing to register — and a quarter of one per cent on everything else you put through it. That second number is the lowest base rate Standard Chartered has ever printed, four times below the Smart card sitting beside it, and it means the whole card is the 5% bucket. Which is capped: ₹1,000 a month, ₹12,000 a year, reached on about ₹20,000 of monthly spend at Zara and Home Centre and worth nothing beyond it. Two details are genuinely good and worth saying out loud. The cashback is money — "Value of cashback is equivalent to INR 1", in the bank's own words — credited against the statement balance rather than into a catalogue, and it is the one Standard Chartered reward that escapes the ₹99 redemption handling charge every other card pays. Two are not: fuel earns nothing, though the surcharge waiver still applies at ₹400 to ₹2,000 a fill up to ₹400 a month; and you cannot touch the balance until it reaches ₹1,000, after which it comes out in ₹500 blocks. What Standard Chartered has never published is what the card costs. It is not in the shelf-wide tariff table, not in the un-published rows still commented into that table's source, and not in the FAQ the bank still serves. That FAQ is now the only page about the card anywhere: there is no product page at any vintage on either of SC India's two domains, and the live credit-card index lists eight products without it. Existing holders are being answered; nobody is being sold.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Standard Chartered publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 5% back at retail fashion, home furnishing and departmental stores, with no minimum transaction and nothing to register
- Cashback is money at face value, set against the statement balance rather than spent in a catalogue
- The one Standard Chartered reward exempt from the bank's ₹99 redemption handling charge
- Fuel surcharge waived on fills of ₹400 to ₹2,000, up to ₹400 a month
Watch out
- Withdrawn: Standard Chartered's live credit-card index lists eight products and this is not one of them, and no product page exists at any vintage
- No fee is published anywhere Standard Chartered serves, so this card is carried on the board and left out of every ₹ calculation
- The base rate is 0.25% — the lowest Standard Chartered has printed, and four times below the Smart card on the same shelf
- The 5% bucket is capped at ₹1,000 a month, so the accelerator is worth ₹12,000 a year at absolute maximum
- Fuel and cash withdrawals earn no cashback at all
- You cannot redeem below ₹1,000, and after that only in ₹500 blocks
- No lounge access, no travel benefit and no transferable currency — this is a shopping card
What these points actually fly
No live transfer route takes Statement cashback (₹) into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot apply. Standard Chartered's live credit-card index lists Beyond, Rewards, Smart, Ultimate, Super Value Titanium, EaseMyTrip, DigiSmart and the Priority Banking Visa Infinite, and offers no route to this one; the only page the bank still serves about it is a FAQ written for people who already hold it. The nearest live substitute on the same shelf is the Smart card, which pays a flat 1% and publishes its fee.
Standard Chartered publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
3 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 15 Oct 2024EaseMyTrip card loses Priority Pass, domestic visits halved1 complimentary domestic lounge visit per quarter + Priority Pass with 2 international visits a year → 2 domestic visits per calendar year; no Priority Pass, no complimentary international lounge access
The travel co-brand quietly stopped being a travel card: from 15 October 2024, Standard Chartered pulled Priority Pass from the EaseMyTrip card entirely and cut domestic lounge access from four visits a year to two. International lounges are now pay-per-visit at rack rates. What's left is a ₹350 EaseMyTrip discount coupon — which, to be fair, is what it always really was.
- 25 Aug 2024Ultimate's forex settles at a clean 2% at posting
- 2 Apr 2023Ultimate cuts six categories from 3.33% to 2%
Verified against Standard Chartered's own documents on
Not published , and we will not invent it: the annual fee.
Every document behind this page — 2 of them, each with the day we read it
- official Standard Chartered's Simply Cash Credit Card FAQ — the two-rung cashback table and its monthly cap, the ₹1 cashback value, the exclusions, the fuel-surcharge waiver and the redemption floor
- official Standard Chartered's shelf-wide tariffs and charges — the fee table that prices fourteen products and not this one