Standard Chartered Smart Credit Card

Earn up to RM100 cashback every month on your online purchases and digital lifestyle spends with a Smart Credit Card. Live, play and shop smart with Standard Chartered.

Standard Chartered Smart Credit Card30% Cashback Launch Offer!
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 30%
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
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worth RM599
when you apply through RinggitPlus3

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Cashback

For the first 6 months, get 30% cashback capped at RM80 per category on your online spending at selected e-commerce merchants. Spend minimum RM1,000 on retail transactions to unlock 6% digital lifestyle cashback, capped at RM20 each month.

Cashback categoryCashback rateMonthly capSpend
E-commerce and Online Spends30%RM80any amount monthly
Online Dining30%RM60from RM100 and above monthly
Digital Lifestyle6%RM20from RM1,000 and above monthly

Interest Rate

Need emergency cash? Get up to RM15,000 from your Smart credit card's Cheque-on-Call Plus at 0% p.a. interest for 12 months.

Balance Transfer

Enjoy 5.99%p.a. Balance Transfer PLUS for up to 36 months tenure.

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 enjoy a payment term of up to 18 months at 9.88% interest rates per annum with minimum spending of RM500.

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
  • RM120 primary card

    Free for first year and waived when you spend RM12,000 annually for the subsequent years

  • 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
Interest Rate on Cash Withdrawals
18%
Contact-less Payment Methods
payWave

Requirements

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

Features

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.
Balance Transfer Plans
Standard Chartered Balance Transfer PLUS
Transfer your outstanding balance to a new Standard Chartered credit card with low interest rates. Stretch your repayments for as long as you can!

Review

The all-new Standard Chartered Smart Credit Card is here for online shoppers, streamers, gamers, foodies and music lovers, with up to RM100 cashback up for grabs.

30% cashback for the first 6 months

From 1 November 2020 until 30 April 2021, Standard Chartered Smart Credit Card is offering a generous 30% cashback, capped at total of RM80 per month. You are eligible to earn this cashback for the first 6 months from the card approval date. How this cashback works?

There are a total of RM870,000 cashback to be grabbed during this period. All you need to do is be among the first thousands cardholders that swipe their new Standard Chartered credit card at selected merchants on these spending categories:

CategoryMerchantsTerms and Conditions
Online shoppingLazada, Shopee & Zalora30% cashback capped at RM15 for first 4,000 eligible cardholders 
E-walletBoost, GrabPay & Touch 'n Go30% cashback capped at RM15 for first 4,000 eligible cardholders
TravelAgoda, Klook & RoamingMan30% cashback capped at RM50 for first 500 eligible cardholders

So you have earned RM80 cashback on online and e-commerce spending, where is another RM20?

6% cashback on Digital Lifestyle spend

To unlock a 6% cashback, capped at RM20 per month from your Standard Chartered Smart Credit Card on Digital Lifestyle category, just spend a minimum of RM1,000 on retail transactions at these merchants:

  • Astro 
  • iQIYI
  • Joox
  • Netflix
  • PlayStation
  • Spotify
  • Steam

So, gather up all your monthly digital billings to your new Standard Chartered Smart Credit Card now to enjoy RM20 savings!

30% Online Dining Cashback

For a limited time until 31 December 2020, you will get to enjoy 30% savings on your total dining bill when you spend a minimum of RM100 in a single receipt on your Standard Chartered credit card.

That's not all, when you order food online at selected restaurant partners, you will also get 30% cashback, capped at RM30 per transaction, RM60 per eligible cardholder per month. Terms and conditions apply.

Annual Fee Waiver

If you are looking for a credit card with zero annual fee for the first year, then the all new Standard Chartered Smart Credit Card is your starter kit!

After that, you will need to spend RM12,000 annually on the subsequent years to enjoy the annual fee waiver.

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, 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

Standard Chartered Smart Credit Card is equipped with beneficial credit lines such as Flexi Pay Plus and Balance Transfer Plus which offer competitive rates and flexible repayment tenures.

Besides that, you will also get to enjoy 0% p.a. interest on Cheque-on-Call Plus with up to RM15,000 for 12 months.