Citi Cash Back Card vs Standard Chartered Simply Cash Visa Card
Compare Citi Cash Back Card, Standard Chartered Simply Cash Visa Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
 Citi Cash Back Card |  Standard Chartered Simply Cash Visa Card |
|---|
Card details
CardIQ
How we calculate scores| Overall | 37Basic | 37Basic |
|---|---|---|
| Cashback | 74/100 | 74/100 |
| Rewards | 0/100 | 0/100 |
The basics
| Card tier | Platinum | Not published |
|---|---|---|
| Card type | Not published | Visa |
| Credit rating | Not published | Not published |
| Rewards program | None | None |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 18 years old |
|---|---|---|
| Minimum income | HK$120,000 p.a. | HK$96,000 p.a.Lowest |
| Residency | Not published | Hong Kong resident |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 58 daysHighest | Up to 56 days |
|---|---|---|
| Minimum repayment | a. The total of all the current month's interest, annual fee, late charge, past due amount, other fees and charges if any; and b. 1.5% of the statement balance…and c. 1.5% of the unbilled principal of the Loan…Subject to a minimum of HK$300/CNY300 per month. | All interest, fees, charges (including Annual Fee(s)), the total of the over-limit amount and/or the overdue amount (where applicable) that may be charged, plus 1% of outstanding principal or HK$220, whichever is higher. |
Rates & fees
Ongoing interest rates
| Purchases | 31.00% p.a.Lowest | 33.36% p.a. |
|---|---|---|
| Cash advances | 31.00% p.a. | 30.92% p.a.Lowest |
Fees
| Annual fee | HK$1,800 p.a.Lowest | HK$2,000 p.a. |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | HK$900 | HK$0Lowest |
| Cash advance fee | — | 3.5% of the amount |
| Foreign transaction fee | 1.95% | 1.95% |
| Late payment fee | HK$300Lowest | HK$350 |
Rewards
Cashback
| Sign-up cashback | — | HK$1,200 |
|---|---|---|
| Spend required | — | HK$3,000 in 2 months |
| Ongoing cashback | 2% on eligible spend | 1.5% on eligible spend |
| Cashback cap | 2% on local dining, local hotel, and foreign currency spending; 1% basic rebate on all other eligible transactions. Rebate credited when accumulated balance reaches HK$200 or above. | 1.5% on local currency spending; 2.0% on foreign currency spending. No cap stated. |
Related comparisons
Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- CitiStandard Chartered