Standard Chartered Credit Cards Promotion
For a limited time, qualified applicants of eligible Standard Chartered credit card(s) will receive a free sign-up gift of:
- Apple iPad Pro M4 (For every 20th qualified applicant who submits EPF statements as their income document to the bank's online application form, capped at 10 units)
- RM600 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who submit EPF statements as their income document to the bank's online application form)
- RM500 Touch ‘n Go E-Wallet Credit (Guaranteed to qualified applicants who do not submit EPF statements as their income document to the bank’s online application form)
Bonus Gift (Sign-up with Flexi-On-Balance or FlexiPay Plus)
- RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who participate in the Flexi-On-Balance/FlexiPay Plus via the SC mobile app, with a minimum amount of RM500 within 150 calendar days upon the card approval
Bonus Gift (Sign-up with Standard Chartered JumpStart Savings Account-i)
- Apple iPhone 15 Pro Max or Apple iPhone 15 (For qualified applicants with the highest average deposit amount throughout the promotion period (until 31 July 2024), capped at 1 each)
- RM200 Touch 'n Go E-Wallet Credit (Guaranteed)
This promotion is valid from 13 June 2024 until 24 June 2024, subject to the campaign’s terms and conditions.
*The EPF statements must be downloaded as a full statement from the KWSP i-Akaun portal or the i-KWSP App with a minimum of 6 months or 2 years contribution.
Who is qualified for this promotion?
This promotion is open to new customers only. Those who are not eligible to apply are existing principal/supplementary cardholders(s) and those who have cancelled their Standard Chartered credit card(s) within 18 months before the flash deal application.
How to be eligible for the gift?
Apply, get approved by Standard Chartered, subsequently activate the new card and spend a minimum of RM400 per month, for three (3) months upon the approval date to be eligible.
Which credit card(s) can I apply for?
You can apply for:
- Standard Chartered Simply Cash Credit Card
- Standard Chartered Smart Credit Card
- Standard Chartered Journey Credit Card
- Standard Chartered Visa Platinum Credit Card
Where can I reach out to you for more information?
For any questions, please get in touch with us via email at [email protected]. We're happy to help!
Highlights of the Standard Chartered Simply Cash Credit Card
Recently renamed to Simply Cash Credit Card from the previous JustOne Platinum Credit Card, Standard Chartered has also revised the cashback benefits for this new card. Before we get into the details, let’s see some of the highlights below.
- Highest cashback rate: 15%
- Highest cashback amount: RM20 for each spending category
- Minimum spend to earn the highest cashback amount: RM2,500 monthly
- Eligible spending categories to earn the highest cashback rate: Petrol, E-Wallet, Grocery plus Dining (these two are under one category)
- Eligible cardholder(s): Principal and Supplementary
Tell me more about the cashback benefits.
With Standard Chartered Simply Cash Credit Card, spending on everyday essentials can be rewarding and at the same time, helps you save some bucks every month. But how so?
Just spend on selected categories such as Petrol, E-Wallet, and Grocery plus Dining, and you can earn up to 15% cashback monthly. The cashback cap, on the other hand, is capped at RM20 monthly for each of the categories (remember, Grocery plus Dining are combined into one), subject to the cashback cap in each spend tier.
Eligible Spending Amount | Cashback Reward for Petrol, E-Wallet, Grocery and Dining | Monthly Cap |
< RM2,500 | 0.50% | RM12.50 |
RM2,500 and above | 15% |
RM60
(RM20 each for Petrol, E-Wallet and Grocery plus Dining) |
Additionally, to be eligible for the cashback, you must spend with the participating merchants of the four spending categories mentioned above. Here’s a list we’ve compiled for your easy reference.
Cashback Category | Participating Merchant |
Petrol | All petrol stations nationwide |
E-Wallet |
Boost E-Wallet GrabPay Lazada Wallet ShopeePay Touch ‘n Go E-Wallet |
Grocery |
AEON AEON BiG Ben’s Independent Grocer Cold Storage ECONSAVE Everrise Giant Jaya Grocer Lotus’s Mercato Mydin Servay Village Grocer |
Dining |
Merchant Category Code (MCC): MCC 5812 - Eating Places and Restaurants MCC 5814 - Fast Food Restaurants |
Enjoy an annual fee waiver with Simply Cash Credit Card
The credit card annual fee for Standard Chartered Simply Cash is RM250. No annual fee is charged to supplementary cardholders.
However, if you are a new Standard Chartered customer, you will be exempted from paying the annual fee for the first year.
Beneficial credit lines from Standard Chartered
If you're looking to manage your finances and get a better cash flow, Standard Chartered can assist you with their flexible credit lines.
We already mentioned a couple of the credit lines above namely the FlexiPay Plus and Balance Transfer Plus. To recap, you can stretch the payment of an item into flexible instalments with low interest via the FlexiPay Plus program. Meanwhile, for the latter program, you can transfer your credit card debt from other banks to a new Standard Chartered credit card with a lower interest rate over longer repayment tenures.
Other than those two, you can also enjoy other credit lines that are as beneficial such as the following list.
- Easy-Payment-Scheme: You can convert items into a 0% easy payment scheme over flexible tenures only with selected merchants such as Machines, Harvey Norman, Poh Kong and many more.
- Cash-On-Call Plus: You can get extra cash at hand from your credit card with a fixed interest rate of 9.88% p.a. for up to 60 months.
- Automatic Balance Conversion: It’s a by-invitation-only program where you’re able to pay off your credit card outstanding balance with much lower interest over a longer instalment period.
Mastercard e-commerce purchase protection
This is a special feature to benefit from for Simply Cash Credit Card holders. If you tend to shop online internationally, you can get your items covered up to USD200. This protection plan is offered by AIG Malaysia Insurance Berhad for the following occurrences. You can find more details of this benefit in the T&C here.
- Non-delivery and/or incomplete delivery of goods and shipping charges (applicable within 30 days of the scheduled delivery)
- Improper functioning/physical damage of the goods
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 Rate | Condition |
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.
What are the required documents to make an application?
If you are a salaried employee, please prepare the following documents.
Private sector:
- Copy of your IC (both sides); and
- Latest 3 months salary slip (3 months bank statement if required); or
- Full EPF statement from i-KWSP App with a minimum of 6 months or 2 years contribution; or
- EA or BE Form with LHDN Acknowledgement Receipt
Public sector:
- Copy of your IC (both sides); and
- Latest 3 months salary slip and 3 months bank statement; or
- Full EPF statement from i-KWSP App with a minimum of 6 months or 2 years contribution; or
- EA or BE Form with LHDN Acknowledgement Receipt
If you are a commission earner, please prepare the following documents.
Private sector:
- Copy of your IC (both sides); and
- Latest 6 months salary slips/commission statement; or
- Full EPF statement from i-KWSP App with a minimum of 6 months or 2 years contribution; or
- EA or BE Form with LHDN Acknowledgement Receipt
If you are self-employed, please prepare the following documents.
- Copy of your IC (both sides); and
- SSM for Sole Proprietor/ Partnership / Private Limited Co. > 2 years; and
- B or BE Form with LHDN Acknowledgement Receipt