Standard Chartered Simply Cash: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
This product is listed for existing customers. It is not included in current-application matches.
Dirham Score 2.8/590% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 525
- Bank FX charge
- up to 2.99%; scheme fees may apply
- Monthly interest rate
- 3.69%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
Base earning: 1 % cashback.
Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| International Spend | 2 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 1,260 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.
Existing-client estimate assumes direct eligible retail payments, not instalmentplans. Airline booking has no separate input; network costs and personal creditlimit excluded.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Standard Chartered Simply Cash
Dirham Score 2.8/590% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,260
Fee waiver+ AED 525
Joining-fee refund+ AED 0
Annual fee− AED 525
Actual modelled netAED 1,260
Existing-client estimate assumes direct eligible retail payments, not instalmentplans. Airline booking has no separate input; network costs and personal creditlimit excluded.
Calculation assumptionsRewards, fees & important conditions
Buy 1 Get 1 at VOX & Reel Cinemas · Eight annual Visa Airport Companion visits. First visit is free; later visits require an international purchase equivalent to at least one US currency unit, at least15days before travel.
Monthly interest rate: 3.69%. Bank FX charge: up to 2.99%.
Existing-client estimate assumes direct eligible retail payments, not instalmentplans. Airline booking has no separate input; network costs and personal creditlimit excluded.
Existing customers only. The published annual fee is AED 525, with a first-year waiver and later waiver after AED 9,000 annual spend.
Eligible domestic general retail earns 1%; foreign currency and direct airline purchases earn 2%. Specified government, insurance, housing and car-dealership MCCs earn 0.2%. Instalment plans, including school-fee payment plans, are excluded.
The model assumes direct merchant payments for education, utilities and fuel. Rewards do not accrue above the assigned credit limit.
Retail finance charge is 3.69% monthly; cash is 3.75%. Foreign transaction charge is published as up to 2.99%, with network conversion separate. Confirm your assigned charge.
Official bank source · checked 2026-10-18Standard Chartered current price guide
Official bank promotional artwork depicting this card. WebP copy resized without cropping or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: Eight annual Visa Airport Companion visits. First visit is free; later visits require an international purchase equivalent to at least one US currency unit, at least15days before travel.
- Cinema: Buy 1 Get 1 at VOX & Reel Cinemas
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Existing customers only. The published annual fee is AED 525, with a first-year waiver and later waiver after AED 9,000 annual spend.
- Eligible domestic general retail earns 1%; foreign currency and direct airline purchases earn 2%. Specified government, insurance, housing and car-dealership MCCs earn 0.2%. Instalment plans, including school-fee payment plans, are excluded.
- The model assumes direct merchant payments for education, utilities and fuel. Rewards do not accrue above the assigned credit limit.
- Retail finance charge is 3.69% monthly; cash is 3.75%. Foreign transaction charge is published as up to 2.99%, with network conversion separate. Confirm your assigned charge.
Official bank sources and application information
- Standard Chartered Simply Cash official product terms
- Standard Chartered: Standard Chartered current price guide
- Standard Chartered Simply Cash official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.