Standard Chartered Simply Cash Credit Card
+ JumpStart Savings Account-i

Cashback galore! Earn as high as 15% cashback on selected spending with Simply Cash. While you’re at it, get 5% cashback and a bonus gift when you apply for JumpStart Savings Account-i.

Standard Chartered Simply Cash Credit Card and  JumpStart Savings Account-i
ADD-ON DEAL
15% cashback for e-wallets and petrol spent
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 15%
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM1400
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Cashback

Simply Cash Credit Card gives up to 15% cashback every month upon spending on selected categories such as Petrol, Groceries plus Dining and E-Wallets. Spending below RM2,500 will have a monthly cap of RM12.50. Meanwhile, for spending RM2,500 and above, you'll have a monthly cap of RM60, which means RM20 for each category (Grocery plus Dining is under one category), subject to the cashback cap in each spend tier.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Selected Petrol, E-Wallet, and Grocery plus Dining0.5%RM12.50 up to RM2,499 monthly
Selected Petrol, E-Wallet, and Grocery plus Dining15%RM60from RM2,500 or above monthly

Petrol

Save some bucks when you fuel your car as you get to earn up to 15% cashback every month, subject to a spending amount criteria.

Premium

Simply Cash credit card is available for Apple Pay, Samsung Pay and Google Pay for a seamless transaction! Enjoy flexible credit lines such as Standard Chartered's Easy-Payment-Scheme, Cash-On-Call Plus, Automatic Balance Conversion and others for a better cash flow. On top of that, get covered with up to USD200 when you shop at any e-commerce platform globally, exclusively by Mastercard with terms and conditions applied. Additionally, splurge through exciting offers and privileges via the Live The Good Life program by Standard Chartered.

Balance Transfer

Take control of your credit card debt instead of accumulating more with minimum monthly repayments. Enjoy lower interest rates of 5.99% per annum and repayment periods of up to 36 months with Standard Chartered Balance Transfer PLUS.

Pay OverWith Interest Rate AtWhen You Transfer
12 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
18 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months5.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Standard Chartered Balance Transfer PLUS

Easy Payment Plans

Standard Chartered FlexiPay Plus lets you spread out your repayment up to 60 months tenure with low-interest rates. Apply easily via SC Mobile Banking App.

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
  • RM250 primary card

    First year free

  • 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

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 to 65 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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!
Balance Transfer Plans
Standard Chartered Balance Transfer PLUS
Transfer your outstanding balances to a new Standard Chartered credit card with low and fixed interest rates. Stretch your repayments up to 36 months!

Review

Standard Chartered Credit Cards Promotion

For 24 hours only, qualified applicants of eligible Standard Chartered credit card(s) will receive a free guaranteed sign-up gift of:

  • RM1,000 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 19 June 2024 until 20 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

Profit Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountProfit Rate
RM1No maximum0.05% p.a.

Features

What would make it different?

Online Banking
Standard Chartered Online Banking
Mobile App
  • Available
PIDM Protected
Up to RM250,000
ATM Card
Available

Fees & Charges

Early Closure Fee
RM20

Requirements

Minimum Age
  • 18 years old
Who can apply
  • Malaysians
  • Permanent Residents
  • Foreigners

More Information

What’s the benefit of this savings account?

Shop worry-free while you’re abroad as you get zero currency exchange fees when you swipe the JumpStart debit card-i. Want a quick cash withdrawal? No problem, you get free overseas ATM withdrawals too, which means you don't have to pay the RM12 fee levied by Standard Chartered Malaysia. But please note that this ATM withdrawal waiver doesn't cover any charges imposed by overseas banks or third parties.

In addition to that, you also get rewarded with 5% cashback on online spending (local and international) whenever you deposit RM3,000 minimum of fresh funds every month into your account. Your JumpStart account must also be active to enjoy this perk. 

The cashback is capped at up to RM50 per month with terms and conditions applied. Note that e-wallet reloads, petrol and insurance/takaful transactions are excluded from the cashback reward.

By downloading the SC Mobile App, you can also enjoy other benefits such as the following:

  • Manage your wealth with the Digital Investment Platform
  • Take part in trading across seven (7) global markets with SmartStocks, an award-winning Global Equities Trading Platform
  • Convert FX and invest in real-time via the LiveFX seamlessly
  • Grow your wealth with Online Unit Trust which includes a Regular Savings feature
  • Have the convenience of getting more than 30 digital services and making payments or transfers with SC Remit, DuitNow Transfer and Request
  • Able to authenticate all digital banking transactions via the SC Mobile Key
  • Make your zakat contributions and set up recurring bills seamlessly with JomPAY
  • Up to 40% off and RM1 exclusive deals with Standard Chartered's Live The Good Life program!

How much is the profit rate?

With Standard Chartered JumpStart Savings Account-i, you get 0.05% profit regardless of your account balance, unlike other savings accounts that typically adopt a tiered profit system. 

Additionally, if you deposit a minimum of RM3,000 fresh funds monthly, you can enjoy free MEPS ATM withdrawals nationwide at the end of every calendar month!

Travel perks with JumpStart savings account-i

You can enjoy 2x complimentary access to participating Plaza Premium Lounge in Malaysia and abroad. Simply maintain your account balance with at least RM100,000 during the month you enter the participating airport lounge and the following month after the access to enjoy this perk.

However, note that you must pay upfront on the lounge access fee with your JumpStart debit card-i. The fee will be refunded to you 2 months after the lounge visit with up to RM150 eligible refund per visit. 

Check out the terms and conditions here for more details about the complimentary access, the refund illustration and the list of airport lounges.

On top of that, enjoy exciting travel deals specially curated for you by Standard Chartered Malaysia. Some of the deals you get to enjoy include:

  • Explore the 7 Wonders of the World with savings of up to RM12,000 per couple by Sedunia Travel
  • Up to 10% off Malaysia Airlines economy class tickets to Tokyo (Narita), Perth, Seoul (Incheon), Hong Kong and Bangkok by Mayflower
  • Up to 14% off hotel bookings worldwide by Agoda
  • Up to 40% off and an exclusive 1+1 deal for Samsonite & Kenvelo Luggage
  • Up to 10% cashback on hotel bookings worldwide by Booking.com
  • Up to 7.5% off bookings on Trip.com;
  • And so much more!

What’s the eligibility to open this account?

Any Malaysian, permanent resident or foreigner of at least 18 years of age is eligible for this savings account-i. No minimum deposit is required to open an account. Other fees include the following:

  • Annual debit card fee: RM8
  • Early account closure (within 3 months): RM20
  • Paper statement (if required): RM2
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