Standard Chartered Cashback Gold Visa credit card

Also available as MasterCard

Standard Chartered Cashback Gold Visa

Enjoy a great variety of premier benefits and privileges with Standard Chartered Gold Visa. 1000 Dining discounts nationwide.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 2.99% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM175.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Enjoy fantastic dining deals at your favourite restaurants, indulge in some retail therapy and pamper yourself with tempting treats at luxury spas. Just remember to call ahead to make a reservation with your Standard Chartered Card.
Balance Transfer
Enjoy 2.99% Balance Transfer PLUS for 12 months tenure.
Pay OverWith Interest Rate AtWhen You Transfer
36 months2.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Standard Chartered Balance Transfer Plan
Easy Payment Plan (EPP)
Pay for any retail purchases above RM500 over a year with interest rate of 7.88%.
Pay OverWith Interest Rate AtWhen You Spend
12 months7.88% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Standard Chartered FlexiPay Plus

Fees & Charges

There are always fees but how much are they?

Annual Fee
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM25.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Maximum age for primary card holder
65 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Standard Chartered FlexiPay Plus
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Standard Chartered Cheque On Call Plus
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Standard Chartered Balance Transfer Plan
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Standard Chartered Cashback Gold Visa review

What's so good (or not so good) about it?

Standard Chartered Bank is an internationally recognised financial institution. This prestige is also reflected in its full range of credit cards including Standard Chartered Gold Visa. Accepted in over 17 million establishments worldwide, this credit card promises premier privileges for cardholders.

Fantastic Lifestyle Deals

As a Standard Chartered Gold Visa cardholder, you are offered a wide variety of exclusive shopping, dining and travel deals. Cardholders can choose to have a feast at their favourite restaurants at discounted prices. They can also treat family and friends to a delicious meal using the dining deals.

You can also benefit from the special room rates offered at some of the local hotels and resorts. Exclusive spa packages are also available to help you relax and rejuvenate your body. Shopaholics will love Standard Chartered Gold Visa as it offers shopping deals on a whole range of products and services nationwide.

Easy Payment Scheme

To make shopping a more enjoyable experience for Standard Chartered Gold Visa cardholders, this credit card also comes with Standard Chartered FlexiPay. This is a flexi payment plan which allows cardholders to pay for high-priced purchases over a period of time.

Under the Standard Chartered FlexiPay, cardholders can charge any retail purchases above RM500 to Standard Chartered Gold Visa and pay for it over 12 months. Interest rate for this payment plan is only 4.99% per annum. In addition, no penalty fee will be incurred for early payment giving cardholders the ultimate convenience and savings in interest payments.

Managing Outstanding Balances

Standard Chartered Gold Visa credit card is also a good financial tool. One of the advantages of this credit card is the Standard Chartered Balance Transfer. This feature enables cardholders to efficiently manage their outstanding card balances of other credit cards or charge cards by transferring them to Standard Chartered Gold Visa.

Then, cardholders can pay for the combined outstanding card balances over a 12-month period at a relatively low interest rate of 5.99%. The minimum amount of transfer is RM1000. This way, cardholders can save on interest payments and will never miss out on paying for any outstanding card balances.

Low Income Requirement

Applicants of Standard Chartered Gold Visa credit card must be at least 21 years old. With an annual income requirement of just RM24000 most professional working adults would be able to qualify. The annual fee of RM175 could easily be recovered from the discounts and savings provided by this credit card.

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