The all-new Standard Chartered Smart Credit Card is here for digital entertainment spenders, streamers, gamers, foodies and music lovers, with attractive cashback up for grabs.
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:
- RM5,000 Touch 'n Go E-Wallet Credit (For every 20th qualified applicant based on the bank's approval list, who submits EPF statements as their income document to the bank's online application form, capped at 15 units)
- RM800 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, who also participate in Standard Chartered's Flexi-On-Balance/FlexiPay Plus via the SC Mobile App with a minimum amount of RM500 within 150 days upon the card's approval)
- 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)
This promotion is valid from 18 April 2024 until 29 April 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 12 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 make at least eight (8) retail transactions with a minimum of RM800 as the sum of these transactions within 60 calendar days upon the approval date.
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!
Reward yourself with 6% cashback on digital lifestyle spend
More cashback for you when you spend on any digital lifestyle channels! To unlock the 6% cashback which is capped at RM20 per month from your Standard Chartered Smart Credit Card, just spend a minimum of RM1,000 on selected retail transactions.
Below is the list of eligible Digital Lifestyle Spend:
- 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!
Annual fee waiver
If you are looking for a credit card with zero annual fees 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 in the subsequent years to enjoy the annual fee waiver.
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, within 12 months from the card approval date, if you have missed three (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.
Brilliant lines of credit from Standard Chartered
If you're looking to manage your finances better, get started with multiple lines of credit from Standard Chartered.
As a start, the Standard Chartered Smart Credit Card is equipped with beneficial credit lines such as FlexiPay Plus and Balance Transfer Plus which offer competitive rates and flexible repayment tenures.
Standard Chartered also has a special offer for those keen to apply for FlexiPay Plus, in which applicants can enjoy 0% instalments for only three months! You simply need to convert a retail purchase of RM500 and above and apply directly via the SC Mobile Banking app. Maybe it's time to get that Dyson vacuum or a brand-new Smart TV perhaps?
Other than that, you can also enjoy the following credit lines with a Standard Chartered Smart Credit Card:
- Easy-Payment-Scheme
- Cash-On-Call Plus
- Automatic Balance Conversion
- Emergency Overseas Card Replacement
- Flexi-On-Balance Plus
- Credit Card Limit Increase
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 the 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 the 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 the 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