Standard Chartered Smart Credit Card

Earn 6% cashback every month on digital lifestyle spending such as Netflix, PlayStation, Astro and others. Convert your retail purchase above RM500 to 0% instalments for 3 months easily online via FlexiPay Plus.

Standard Chartered Smart Credit CardAnnual fee waived in your 1st year
Min. Income
RM3,000/month
Annual Fee
Free*
Cashback
up to 6%
Balance Transfer
From 3.99% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM800
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Cashback

Unlock a 6% cashback on digital lifestyle spending, capped at RM20 each month. To get this cashback, you simply need to spend a minimum of RM1,000 in a month with selected merchants like the following.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Digital Lifestyle (Astro, Netflix, Spotify, Steam, Joox, iQIYI and Playstation)6%RM20from RM1,000 or above monthly

Premium

Add your Standard Chartered Smart Credit Card to Apple Pay, Samsung Pay or Google Pay to enjoy seamless transactions anywhere! Enjoy RM1 deals at participating merchants such as The Inside Scoop, ZUS Coffee and many more via the Live The Good Life program! In addition, enjoy multiple lines of credit to elevate your lifestyle even further with Standard Chartered's Easy-Payment-Scheme, Cash-On-Call Plus, Automatic Balance Conversion, Flexi-On-Balance-Plus, Credit Card Limit Increase and others. Moreover, from now until 31 July 2024, stand a chance to win 2x slots to the Standard Chartered Hong Kong Marathon including a 4-day 3-night hotel stay and 2x return flight tickets. Earn entries by fulfilling specific application/transaction requirements of certain SC products/services. Terms apply!

Balance Transfer

Consolidate all your credit card outstanding balances from other banks to a new Standard Chartered credit card and enjoy a fixed interest rate of 5.99% p.a. with Standard Chartered Balance Transfer Plus (BT Plus) for up to 36 months of tenure.

Pay OverWith Interest Rate AtWhen You Transfer
12 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
18 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
24 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
36 months3.99% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about Standard Chartered Balance Transfer PLUS

Easy Payment Plans

Special offer! Buy now, pay later for your dream item, and convert into 0% instalments over a 3-month tenure, subject to retail spending of RM500 and above. Otherwise, choose from other tenure choices below and enjoy low instalments to manage your finances better! Easy application via SC Mobile Banking App.

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feeRM500
6 months0% p.a. and no one-time upfront handling feeRM500
9 months0% p.a. and no one-time upfront handling feeRM500
12 months0% p.a. and no one-time upfront handling feeRM500
18 months0% p.a. and no one-time upfront handling feeRM500
24 months0% p.a. and no one-time upfront handling feeRM500
36 months0% p.a. and no one-time upfront handling feeRM500
48 months0% p.a. and no one-time upfront handling feeRM500
60 months0% 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
Visa payWave

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

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:

  • Samsung Galaxy Z Flip 6 (For every 25th qualified applicant who submits EPF statements as their income document to the bank's online application form, capped at 8 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 15 July 2024 until 22 July 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!

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!

Standard Chartered Hong Kong Marathon Campaign

Avid marathon runners rejoice! Stand a chance to win a Grand Prize consisting of 2x slots to the prestigious Standard Chartered Hong Kong Marathon which is happening on 9 February 2025. 

Valid until 31 July 2024, this campaign also includes a 4-day 3-night hotel accommodation and 2x return flight tickets.

Maximise your chances of winning by earning entries through fulfilling specific application or transaction requirements of certain products/services! 

Check out the T&Cs or visit the Standard Chartered website to find more details.

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 2 years of EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app)

Public sector:

  • Copy of your IC (both sides); and
  • Latest Form B/BE and the Acknowledgement Summary Page (click here for the guidelines)

If you are a commission earner, please prepare the following documents.

Private sector:

  • Copy of your IC (both sides); and
  • Commission statement and bank statement

Public sector:

  • Copy of your IC (both sides); and
  • Latest Form B/BE and the Acknowledgement Summary Page (click here for the guidelines) 

If you are self-employed, please prepare the following documents.

  • Copy of your IC (both sides); and
  • Latest Form B/BE and the Acknowledgement Summary Page (click here for the guidelines)

Note: Effective 13 May 2024, please ensure that "Account 3" is shown in the downloaded EPF statement.

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