Standard Chartered Classic Visa credit card

Also available as MasterCard

Standard Chartered Classic Visa

Rewarding cardholders with special discounts and privileges throughout the year.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM95.40 annual fee

Apply online now for Standard Chartered Classic Visa

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for Standard Chartered Classic Visa

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to Standard Chartered website

If you have any questions let us know at, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.


Because you should be rewarded for giving the bank your business

Balance Transfer
Enjoy 5.99%p.a. Balance Transfer PLUS for up to 36 months tenure.
Pay OverWith Interest Rate AtWhen You Transfer
Up to 36 months5.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Standard Chartered Balance Transfer PLUS
Easy Payment Plan (EPP)
Pay for your purchases in 12 monthly instalments at 7.88%p.a. interest rate per annum.
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

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
RM26.50 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


Are you eligible for this credit card?

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


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

Easy Payment Plan
Standard Chartered FlexiPay
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 PLUS
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Standard Chartered Classic Visa review

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

If you want all the basic features of a credit card and a little more benefits on the side, Standard Chartered Classic Visa credit card may just be the card you are looking for. This credit card is inexpensive to maintain and offers cardholders many exciting benefits all year round.

Lifestyle Privileges

Standard Chartered Classic Visa cardholders get to enjoy many exciting travel, shopping and dining deals nationwide. You can eat at various restaurants at discounted rates or cash in on special dining offers.

In addition, selected hotels & resorts across many states in Malaysia also provide exclusive room rates or pampering packages for Standard Chartered Classic Visa cardholders. Retail therapy is also more enjoyable with additional savings on your favourite brands.

Easy Payment Scheme

It is also easy to shop and pay for expensive items such as home furniture, electrical appliances or the latest IT gadgets with Standard Chartered Classic Visa. This credit card comes with Standard Chartered FlexiPay.

This easy payment scheme allows cardholders to pay for any retail purchases above RM500 charged to Standard Chartered Classic Visa over a period of 12 months. The low interest rate of just 7.88%p.a. per annum will also help cardholders save on interest payments.

Balance Transfer

Standard Chartered Balance Transfer is also one of the features included in Standard Chartered Classic Visa. It allows cardholders to transfer a minimum of RM1000 in outstanding balances from other credit cards or charge cards to Standard Chartered Classic Visa.

Then, cardholders can pay off the combined outstanding balances at 5.99%p.a. interest rate over a year. Hence, cardholders will be able to manage their credit cards’ outstanding balances more efficiently.

Low Annual Fee

The minimum annual income requirement for this credit card is just RM24000 which makes this a perfect card for someone who has just started working. Its annual fee of RM95.4 also makes this card highly affordable. With so many benefits and privileges, cardholders will definite get their money’s worth with Standard Chartered Classic Visa.

Read More