Credit Card Comparison: UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash

Not all cap-less cashback credit cards are the same. Which one of these three could be your new go-to cashback credit card?

On the hunt for a flat-rate cashback credit card that’s easy to use? You’ve come to the right place: UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash comparison guide. 

These three cashback credit cards are a godsend if you’re the sort who doesn’t like to fuss around with credit cards — they let you earn cashback on pretty much anything you buy. This also makes them some of the best everyday spend credit cards out there!

Table of contents

• Overview: UOB Absolute vs Citi Cash Back+ vs Standard Chartered Simply Cash
• Similarities between these cashback cards
• Comparison #1: Cashback workings
• Comparison #2: Ability to earn cashback on bill payments
• Comparison #3: Cashback redemption
• Comparison #4: Extra perks 
• Conclusion: Which one should you choose?

UOB Absolute Cashback vs Citi Cash Back+ vs Standard Chartered Simply Cash

Credit card	Key benefits
UOB Absolute Cashback Card Apply Now	1.7% cashback
Citi Cash Back+ Card Apply Now	1.6% cashback
Standard Chartered Simply Cash Card Apply Now	1.5% cashback

What these cashback credit cards have in common 

UOB Absolute Cashback, Citi Cash Back+ and Standard Chartered Simply Cash are accessible cashback credit cards that only require a minimum annual income of S$30,000. 

A common attribute of all three credit cards is there is no cap on the base cashback you are eligible to earn. Also, there’s no minimum spend required to start earning cashback on your purchases. 

All three credit cards are super easy to use, perfect for those new to the world of credit cards or those who simply prefer something extremely fuss-free. 

How these cashback credit cards differ 

Comparison #1: Cashback workings

*Accurate as of 14 September 2023

The UOB Absolute Cashback has the most straightforward cashback mechanics given its minimal spend exclusions and highest unlimited cashback rate.

Meanwhile, the Citi Cash Back+ lets cardmembers earn extra 0.4% cashback if you are a Citi Plus customer who also acts as the Primary Account Holder of a Citi Interest Booster Account. 

Earn up to S$30 bonus cash when you fund and maintain a Citi Plus relationship and hold an eligible Citi Plus Credit Card. As a Citi Plus Customer, also enjoy higher returns of up to 2% cash back and up to S$699 worth of exciting gifts when you apply for the Citi Cash Back+ Card. T&Cs apply.

Citi Plus Features

• Hold a valid primary/main Citi Credit Card and get a S$30 bonus cash reward. T&Cs apply.

• Earn up to 4.0% p.a. with the Citi Interest Booster Account

• Boost your returns with up to 2% cash back* (capped at S$2,000) on your Citi Cash Back+ Mastercard® Credit Card when you spend min. S$500 for a period of 12 months. In addition, enjoy up to S$699 worth of exciting gifts. T&Cs apply.

• Level up your financial literacy with wealth insights and bite-sized personal finance education content

• Access to stocks, investment funds, FX and a wide range of other financial solutions, so you can invest easily, anytime and anywhere, with the Citi Mobile App

• Achieve your goals and protect yourself from life’s uncertainties with insurance solutions built around you and your changing needs

• 0.2% p.a. bonus interest earned on savings is only applicable on the incremental account balance

Lastly, the Standard Chartered Simply Cash grants extra cashback in two different manners – one via minimum spend and the other via successful sign-up referral. For the former, all you have to do is spend a minimum of S$599 within the first 30 days of card approval and you'll be entitled to S$500 cashback. Whereas for the latter, you'll stand to receive up to S$1,520 cashback if you successfully refer your friends and family to sign up for the card.

Fulfil both cashback mechanics and you'll effectively earn a total of up to S$2,020 cashback, which is a pretty sweet deal if you ask us.

Comparison #2: Ability to earn cashback on bill payments

Although you can quite literally earn cashback on almost every purchase using any of the three cashback credit cards, take note that Citi Cash Back+ does not let you earn cashback on bill payments (including via Citibank Online). 

Consider UOB Absolute Cashback or Standard Chartered Simply Cash if you’re keen on earning rewards on your utility bills and phone bills. The difference between the two is one relies on a specific bill payment scheme while the other doesn't.

The Standard Chartered Simply Cash offers cardmembers the opportunity to earn cashback, rewards points, or bonus interest on various expenses including IRAS, education fees, insurance premiums, and even rental payments via their SC EasyBill programme.

In contrast, the UOB Absolute Cashback provides cashback on insurance premiums, education fees, medical bills, utilities, telco bills, rental payments, and even wallet top-ups – categories often excluded from earning any form of rebates.

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[Update!] However, starting from 6 May 2024, instead of netting you 1.7% cashback, this rate will be nerfed to the base 0.3% only. So even though you technically still earn cashback, it's an abysmal rate and falls under the argument of "better than nothing". 🤷🏻‍♀️

On the bright side, MCC 6300 (Insurance Sales, Underwriting, and Premiums) seems to be unaffected by this nerf... for now.

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Comparison #3: Cashback redemption

If having a say in when you’d like to utilise your rewards is important to you, you’ll appreciate the flexibility that Citi Cash Back+ offers. You can redeem your cashback online or in the Citi Mobile® App, anytime and anywhere. 

For UOB Absolute Cashback and Standard Chartered Simply Cash, your cashback can only be used to offset your following month’s credit card bill statement.

Comparison #4: Extra perks

You get to enjoy a slew of lifestyle deals and promotions with all three cashback credit cards.

Conclusion: Which one should you choose?

It’s difficult to pick out a winner in the UOB Absolute Cashback vs Citi Cash Back+ vs SCB Unlimited comparison. Each cashback credit card has its own merits, and nobody can deny how similar the three credit cards are. 

How do you decide which one is the most suited to you? This depends on your priorities and perhaps the overall experience the credit card has to offer, taking into account all the nitty-gritty details.  

Exclusive Offer

UOB Absolute Cashback Card

Apply Now

Cashback

1.7

%

no min. spend and no spend exclusions

See more

See less

Exclusive SingSaver Promotion

Receive S$350 cash credit if you are one of the first 200 new-to-UOB credit cardmembers to apply for select UOB credit cards and spend at least S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 Dec 2023. T&Cs apply.

Plus, get 1x chance to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Features Terms & Conditions Fees Eligibility

1.7% cashback with no spend exclusions

No min. spend required to attain 1.7% cashback rate

No cashback cap

Cashback earned in current statement period is automatically used to offset the following month's bill

Mobile contactless payment methods not supported

Get 1x chance in SingSaver's 101! Milestone Giveaway

• Promotion is valid for new applicants only, unless otherwise explicitly stated
• Apply for participating products through the SingSaver website and choose your sign-up rewards to receive 1x lucky draw chance in the 101! Milestone Giveaway
• 1x winner will be picked each week to receive S$5,000 cash on top of existing rewards
• 10x lucky draw winners will be picked each week to receive an Apple Watch Ultra 2 GPS + Cellular, 49mm (worth S$1,199) on top of existing rewards
• Promotion is valid until 20 December 2023
• Terms and Conditions apply
• SingSaver 101! Milestone Giveaway Frequently Asked Questions here

Receive S$350 cash credit

• Promotion is valid only for the first 200 eligible new-to-UOB credit cardmembers
• Make a min. spend of S$1,000 per month for 2 consecutive months from card approval date to be eligible for rewards
• Promotion is valid until 31 December 2023
• Terms and Conditions apply

Annual Fee

S$194.40 (First Year Fee Waiver)

Foreign Currency Transaction Fee

3.25%

Minimum Age: 21

Min. Annual Income: S$30,000

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• 10x lucky draw winners will be picked each week to receive an Apple Watch Ultra 2 GPS + Cellular, 49mm (worth S$1,199) on top of existing rewards
• Promotion is valid until 20 December 2023
• Terms and Conditions apply
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• Promotion is valid until 31 December 2023
• Terms and Conditions apply

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Choose UOB Absolute Cashback: This not-so-fuss-free cashback credit card offers the highest cashback amongst the three. It also allows you to earn and accumulate rewards of frequently excluded categories, such as insurance premiums and hospital and utility bills – albeit at a reduced rate now. Nonetheless, do take note that fewer merchants accept American Express payments than Visa and Mastercard payments.

Exclusive Offer

Best Value

Citi Cash Back+ Card

Apply Now

Cashback

1.6

%

no minimum spend

Monthly Cashback Cap

No Cap

Monthly Spend Required

No Minimum

See more

See less

Exclusive SingSaver Promotion

Receive an Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$508.30) or a Dyson Supersonic™ hair dryer (worth S$699) or a Dyson V8 Slim™ Fluffy (worth S$509) or S$300 cash via PayNow when you activate select Citi credit cards and spend at least S$500 within 30 days of card approval. Valid till 18 Jan 2024. T&Cs apply.

Features Terms & Conditions Fees Eligibility

1.6% cashback on all eligible spending with no min. spend and no cap

Boost your returns with up to 2% cash back* (capped at S$2,000) on your Citi Cash Back+ Mastercard® Credit Card when you spend min. S$500 for a period of 12 months and start a Citi Plus relationship. In addition, enjoy a S$50 cash reward and up to S$199 worth of exciting gifts. T&Cs apply.

Cashback earned does not expire

Redeem cashback instantly via SMS or Citi Pay with Points. Terms and Conditions here.

Use Citi PayAll to earn Citi Miles, Citi ThankYou PointsSM or Cash Back when you pay your bills with your Citi Credit Card

Up to 14% discount at Esso and Shell petrol stations

Read our full review of the Citi Cash Back+ Mastercard®

Cash rebates can be redeemed only in denominations of S$10, S$20 or S$50 via SMS

Receive 1x Dyson V8 Slim™ Fluffy (worth S$509) or S$300 Cash via PayNow

• Promotion is valid for new Citibank cardmembers only
• Activate select Citi credit cards and make a min. spend of S$500 within 30 days of card approval to be eligible for rewards
• Promotion is valid until 18 January 2024
• Terms and Conditions apply

Annual Fee

S$194.40 (First Year Waiver)

Foreign Currency Transaction Fee

3.25%

Minimum Age: 21

Min. Annual Income: S$30,000

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Choose Citi Cash Back+: Pick Citi Cash Back+ if you have big purchases on the horizon and are new to Citi. Although its regular cashback rate stands at 1.6% — marginally higher than the 1.5% offered by Standard Chartered Simply Cash and lower than the 1.7% provided by UOB Absolute Cashback.

Keep in mind that this card doesn’t let you earn cashback on your bill payments and other regular excluded categories such as card fees and charges, insurance premiums, payments to banks and brokerages etc. 

Exclusive Offer

Best Value

Featured

Standard Chartered Simply Cash Credit Card

Apply Now

Cashback

No Cap

Monthly Spend Required

No Minimum

See more

See less

Exclusive SingSaver Promotion

Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th Gen (worth S$503.65) or an Apple AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.35) or up to S$400 SUPER upsized cash via PayNow when you activate and spend at least S$500 within 30 days of card approval. Valid till 30 Nov 2023. T&Cs apply.

Plus, get 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

Features Terms & Conditions Fees Eligibility

1.5% cashback for all spend, no min. spend and no cashback cap

Enjoy offers and privileges for online, dining, retail and more with The Good Life®

1 year annual fee waiver

Read our full review of the Standard Chartered SimplyCash Credit Card

Cannot be used for EZ-Reload

Get 3x chances in SingSaver's 101! Milestone Giveaway

• Promotion is valid for new applicants only, unless otherwise explicitly stated
• Apply for participating products through the SingSaver website and choose your sign-up rewards to receive 3x lucky draw chances in the 101! Milestone Giveaway
• 1x winner will be picked each week to receive S$5,000 cash on top of existing rewards
• 10x lucky draw winners will be picked each week to receive an Apple Watch Ultra 2 GPS + Cellular, 49mm (worth S$1,199) on top of existing rewards
• Promotion is valid until 20 December 2023
• Terms and Conditions apply
• SingSaver 101! Milestone Giveaway Frequently Asked Questions here

Receive a Dyson Supersonic™ hair dryer (worth S$699) or a Apple iPad 9th Gen (worth S$503.65) or an Apple AirPods Pro Gen 2 + MagSafe Charger bundle (worth S$421.35) or up to S$400 SUPER Upsized Cash via PayNow

• Promotion is valid for new Standard Chartered cardmembers only
• Activate your Standard Chartered Simply Cash Credit Card and make a min. spend of S$500 within 30 days from card approval date to be eligible for rewards
• Put your card-on-file and make a min. spend of S$20 at participating merchants within 30 days from card approval date to be eligible for S$20 bonus cash via PayNow on top of your chosen reward
• Participating merchants: Shopee, Lazada, Taobao, EzBuy, Qoo10, Carousell & Netflix
• Promotion is valid until 30 November 2023
• Terms and Conditions apply

Annual Fee

S$192.60 (First Two Years Fee Waiver)

Foreign Currency Transaction Fee

3.5%

Minimum Age: 21

Min. Annual Income: S$30,000

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Plus, get 3x chances to win your share of up to S$200,000 in prizes in our epic 101! Milestone Giveaway, including S$5,000 bonus cash each week on top of ongoing promotions!

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• 1x winner will be picked each week to receive S$5,000 cash on top of existing rewards
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Choose Standard Chartered Simply Cash: This card rewards you with the highest, extra cashback as long as you satisfy its minimum S$599 spend (within 30 days of card approval) and its successful family & friends referral programme. To reiterate, successfully fulfil the above criteria as a new-to-SCB Simply Cash cardmember and you'll earn up to S$2,020 cashback that easily.  

Furthermore, you can earn cashback on expenses such as IRAS, education fees, insurance premiums, and rental payments via SCB EasyBill's service – giving it a slight edge over Citi Cash Back+ which is the only unlimited cashback card here without a bill payment service.

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