Standard Chartered Platinum MasterCard Basic credit card

Standard Chartered Platinum MasterCard Basic

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

  • 15% p.a. interest rate
  • 20 days interest-free period
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee
  • Earn up to 1x reward point 
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Get 1x 360° Rewards Point for every RM1 spent with Standard Chartered Platinum MasterCard Basic and redeem great prizes every year!
360° Rewards Points
1 point on every RM1all transactions
Your 360° Rewards Points earned expires in  3 years
Easy Payment Plan (EPP)
Stretch your purchases over 12 months with Standard Chartered FlexiPay, and get low rates. Only if you have a healthy credit balance!
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
  • Free for life
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
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RM25.00 or 5.00% of withdrawn amount, whichever is higher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
Contact-less Payment Methods
MasterCard PayPass


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
Minimum age for supplementary card holder
18 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.

Standard Chartered Platinum MasterCard Basic review

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

Annual Fee Waiver

If you are looking for a basic credit card with zero annual fee for life, then Standard Chartered Platinum MasterCard Basic is your starter kit to going cashless. 

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

360° Rewards Points

Speaking of loyalty program, you would not want to miss out on the 360° Rewards Points which gives you 1x point for every Ringgit spent with your Platinum MasterCard Basic credit card. The moment you start swiping your credit card you earn reward points, which will expire in 3 years.

Line of Credits

A credit card without an instalment plan is like a waffle without ice cream and corn syrup. Therefore, Standard Chartered Platinum MasterCard Basic is equipped with 2 most important credit lines such as Flexi Pay Plus and Cheque-on-Call Plus, which both offer competitive rate and flexible tenures.

Mobile Wallet 

Discover how you can make your banking transactions easy with Standard Chartered mobile app that lets you manage your finances within your fingertips. With this app, you can view all your accounts, loan or financing and investment wherever you go. 

Plus, you can also make fund transfer 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 credit card as payment method.

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