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.

Standard Chartered Platinum MasterCard BasicRewards points for everyday spending
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 every year!

360° Rewards Points
1 point on every RM1all transactions


Flash your card to enjoy exclusive deals and privileges at over 4,000 outlets across Asia and in Malaysia. Collect multiple cashbacks when you reload and make purchases with selected E-Wallets such as GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Terms and conditions apply.

Easy Payment Plans

Stretch your purchases up to 18 months with Standard Chartered FlexiPay Plus, and get low rates. Only if you have a healthy credit balance!

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
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
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RM25 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods
MasterCard PayPass


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


Easy Payment Plan
Standard Chartered FlexiPay Plus
Fancy a new accessory? Child's tuition fee due next month? Emergency medical expenses? Convert them all via a convenient instalment plan with Standard Chartered.
Cash Advance / Cash Loan
Standard Chartered Cheque On Call Plus
Enjoy affordable interest rates and repayment terms of up to 60 months. Hassle free-application with no supporting documents required.


Get Cashback for 5 E-Wallets

Rejoice all Standard Chartered credit cardholders as you get to collect multiple cashbacks when you reload and make purchases with selected E-Wallets. These include GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Head over to our blog post to find out more! Terms and conditions apply.

E-wallets / Apps Cashback Deals Requirements Eligible Credit Cards Expiry
GrabPay RM10 Grab Merchant Voucher Reload min. RM200 - Priority Banking Visa Infinite
- WorldMiles World Mastercard
- JustOne Platinum
- Visa Platinum
- Smart Credit Card
- Liverpool FC Cashback
31 Dec 2021
FavePay & Fave Deals FavePay
20% cashback (RM5 cap)

Fave Deals
25% cashback (RM5 cap)

FavePay & Fave Deals
50% cashback (RM5 cap)
FavePay - spend min. RM10, promo code (FAVESCB1)

Fave Deals - enter promo code (FAVESCB2) when checking out

FavePay & Fave Deals - new customers only, spend min. RM10,
promo code (FAVESCBNEW)
All Standard Chartered credit cards 31 Dec 2021

Enjoy 360° Rewards Points with Standard Chartered Platinum MasterCard Basic

You would not want to miss out on the 360° Rewards Points which gives 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 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 did not make a repayment on time? 

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

See table below for reference:

Annual RateCondition
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, 18% p.a. finance charge will be levied on the credit card outstanding balance.

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

Line of Credits

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

Therefore, this Standard Chartered Platinum credit card is equipped with 2 most important credit lines such as FlexiPay Plus and Cheque-on-Call Plus, which both offer competitive rates and flexible tenures.

Standard Chartered Platinum MasterCard Basic Mobile Wallet

Discover how you can make your banking transactions easy with Standard Chartered mobile app that lets you manage your finances at 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 Standard Chartered Platinum MasterCard Basic credit card as a payment method, and you're good to go.