The apriorism of the Standard Chartered Absolute Cashback Acclaim Agenda is acutely simple – 1.5% cashback on aggregate with no minimum spending and no abatement cap.
Okay, so 1.5% doesn’t complete impressive. But best cashback cards crave that you fulfil their minimum spending requirements afore they’ll grudgingly duke over the rebates, and alike so, there’s a absolute to how abundant you can receive.
This cashback agenda promises you won’t accept to ache any of these two scenarios. Let’s acquisition out if it’s account signing up for.
As a fuss-free, anything-goes card, this is as simple as it gets. You get 1.5% cashback on all spending, with no cashback cap and no minimum spending requirements.
While the 1.5% cashback amount the agenda offers isn’t absolutely cool high, the card’s backbone lies in how apprehensible it is.
If you adjudge to absorb alone $10 on your agenda one month, you still get the 1.5% banknote rebates. It doesn’t amount what you use the agenda on, and you don’t accept to anguish if you’re application it in the appropriate spending categories, as the 1.5% applies to about aggregate (there are a few baby exceptions, like taxes and EZ Link top-ups).
On the added end of the spectrum, if you’re activity through above (read: actual expensive) activity changes such as accepting married, affairs a new home, activity on a round-the-world cruise to acquisition yourself, this fuss-free acclaim agenda will still bear the aforementioned 1.5% abatement on your boundless expenses.
With best other cashback acclaim cards, you would access the abatement cap unless you absolutely address yourself to gaming the arrangement and agreeable your expenses. And frankly, who alike has time for that!?
Standard Chartered’s alms isn’t the alone absolute cashback acclaim agenda on the market. American Express, Maybank and alike ICBC accept entered the fray. But we’ll attending at the best boilerplate options here:
American Express True Cashback Agenda – Acutely agnate to the Standard Chartered Absolute Cashback Acclaim Agenda as both action 1.5% cashback. Amex True Cashback has the advantage of additionally alms 3% cashback during the aboriginal 6 months of agenda associates for your aboriginal $5,000 account of spending. That agency that if you absorb $5,000 aural those three months, you are accepting a benefit of $75.
UOB One Card – This agenda gives added acceptable rebates on everything, but the capital botheration is that the minimum spending requirements are high, arduous (you charge to hit the ambition every ages in a division to authorize for rebates for that quarter) and confusing. If you’re attractive for simplicity, abstain this card, unless you are consistently spending absolutely $2,000 every ages on a specific acclaim card.
Maybank Platinum Visa Agenda – Another acclaim agenda that offers a collapsed banknote abatement for constant spending, but with lower spending tiers than the UOB One Card. Get up to 3.33% cashback on all bounded spending if you absorb $300 or $1,000 anniversary ages in a quarter. If you don’t apperception a wee bit of albatross and a reasonable minimum spending requirement, accede this card.
Conclusion? For apprehensible absolute cashback, the Standard Chartered Absolute Cashback Acclaim Agenda and Amex True are acutely close, and the champ ability aloof be whichever is alms a bigger sign-up promotion.
If you don’t accept any Standard Chartered acclaim cards, it’s a no brainer. StanChart is alms $100 cashback for newcomers, and you don’t alike accept to do annihilation to acquire it. You can assurance up here:
Standard Chartered Absolute Cashback Acclaim Card
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