Standard Chartered Platinum MasterCard Basic

A credit card for beginners that waives the annual fees for life and gives reward points for every Ringgit spent. To manage your finance right, you need to begin right.

Standard Chartered Platinum MasterCard Basic
Min. Income
Annual Fee
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
20 days


Get 1x 360° Rewards Point for every RM1 spent with Standard Chartered Platinum MasterCard Basic and redeem great prizes, deals and privileges every year via The Good Life Privileges by Standard Chartered.

360° Rewards Points
1 point on every RM1all transactions


You can now add your Standard Chartered Platinum Mastercard Basic to Apple Pay, Samsung Pay or Google Pay for more seamless transactions! Additionally, enjoy RM1 deals all year long at Inside Scoop, Zus Coffee and many more via Standard Chartered's Live The Good Life program. Not to mention, take control of your finances with Standard Chartered's flexible credit lines such as Cash-On-Call-Plus and Easy-Payment-Scheme.

Easy Payment Plans

Stretch your purchases up to 60 months with Standard Chartered FlexiPay Plus, and get low-interest rates for purchases above RM500 at participating merchants. Only if you have a healthy credit balance!

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
3 months9.88% p.a.and no one-time upfront handling feeRM500
6 months9.88% p.a.and no one-time upfront handling feeRM500
9 months9.88% p.a.and no one-time upfront handling feeRM500
12 months9.88% p.a.and no one-time upfront handling feeRM500
18 months9.88% p.a.and no one-time upfront handling feeRM500
24 months9.88% p.a.and no one-time upfront handling feeRM500
36 months9.88% p.a.and no one-time upfront handling feeRM500
48 months9.88% p.a.and no one-time upfront handling feeRM500
60 months9.88% p.a.and no one-time upfront handling feeRM500
Learn more about Standard Chartered FlexiPay Plus

Fees & Charges

Annual Fee
  • RM0 primary card

    Free for life

  • RM0 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM25 or 5% of withdrawn amount, whichever is higher
Contact-less Payment Methods
MasterCard PayPass


Minimum Annual Income
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
Standard Chartered FlexiPay Plus
FlexiPay Plus lets you convert your big retail purchases to an instalment plan for up to 60 months at low interest rates via the SC Mobile Banking App!


Enjoy 360° Rewards Points with Standard Chartered Platinum MasterCard Basic

You would not want to miss out on the 360° Rewards Points which give you 1x point for every Ringgit spent with your Standard Chartered Platinum MasterCard Basic credit card.

The moment you start swiping your credit card, you'll get to earn reward points, which will expire in three (3) years.

Annual fee waiver

If you are looking for a basic credit card with ZERO annual fees for life, then this Standard Chartered credit card is your starter kit to going cashless.

Besides, you will also get to enjoy a host of benefits for being part of Standard Chartered such as exclusive promotions and offers, as well as the 360° Rewards Points loyalty program.

What happens if I do not make a repayment on time? 

There will be a finance charge incurred on the outstanding credit card balance that is overdue. This finance charge, ranging from a minimum of 15% per annum to a maximum of 18% per annum, is tiered based on the user's repayment behaviour in the last 12 months.

See the table below for reference:

Annual RatesConditions
15%Cardmembers who promptly settle their Minimum Monthly Payment due for 12 consecutive months.
17%Cardmembers who promptly settle their Minimum Monthly Payment due for 10/11 months in the last 12 consecutive months.
18%Cardmembers who make 9 months or less prompt payments of their Minimum Monthly Payment in the last 12 consecutive months.

For example, if within 12 months from the card approval date you have missed 3 credit card repayments consecutively, an 18% per annum finance charge will be levied on the credit card outstanding balance.

After you have managed to consistently repay your credit card outstanding balance promptly and in full for 12 consecutive months, the finance charge will default to the minimum.

Line of credits

A credit card without an instalment plan is like a waffle without ice cream and corn syrup. 

Therefore, this Standard Chartered Platinum credit card is equipped with the two most important credit lines such as FlexiPay Plus and Cash-on-Call Plus, which both offer competitive rates and flexible tenures.

Mobile app for easy banking transactions

Discover how you can make your banking transactions easy with the Standard Chartered mobile app that lets you manage your finances at your fingertips.

With this app, you can view all your accounts, loans and investments wherever you go. 

Plus, you can also make fund transfers and pay your bills flexibly. And if you need to withdraw some cash, you can locate the nearest branch or ATM from the app itself! 

All you need to do to authorize these transactions is by linking your Standard Chartered Platinum MasterCard Basic credit card as a payment method, and you're good to go.

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