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.
Get Cashback for 5 E-Wallets
Rejoice all Standard Chartered credit cardholders as you get to collect multiple cashbacks when you reload and make purchases with selected E-Wallets. These include GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Head over to our blog post to find out more! Terms and conditions apply.
|E-wallets / Apps||Cashback Deals||Requirements||Eligible Credit Cards||Expiry|
|GrabPay||RM10 Grab Merchant Voucher||Reload min. RM200||- Priority Banking Visa Infinite|
- WorldMiles World Mastercard
- JustOne Platinum
- Visa Platinum
- Smart Credit Card
- Liverpool FC Cashback
|31 Dec 2021|
|FavePay & Fave Deals||FavePay|
20% cashback (RM5 cap)
25% cashback (RM5 cap)
FavePay & Fave Deals
50% cashback (RM5 cap)
|FavePay - spend min. RM10, promo code (FAVESCB1)|
Fave Deals - enter promo code (FAVESCB2) when checking out
FavePay & Fave Deals - new customers only, spend min. RM10,
promo code (FAVESCBNEW)
|All Standard Chartered credit cards||31 Dec 2021|
30% cashback with selected merchants
From 1 May 2021 until 31 December 2021, Standard Chartered Smart Credit Card is offering a generous 30% cashback, capped at a total of RM30 per cardholder per month.
There are a total of RM450,000 cashback to be grabbed during this period, based on the basis of first come first served. Terms and conditions apply.
You are eligible to earn this cashback when you spend at least RM1,000 with these selected merchants:
- Touch 'n Go eWallet
6% cashback on Digital Lifestyle & Contactless 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 below merchants:
From 1 October 2021 until 31 December 2021, contactless transactions can get you 6% cashback capped at RM20 every month too! 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 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:
|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.