Standard Chartered Smart Credit Card

Earn 15% cashback every month at Boost, FavePay, GrabPay, Lazada, Shopee, TaoBao, Zalora and Touch & Go E-Wallet. Plus, Buy Now Pay Later offer at 0% for 3 months.

Standard Chartered Smart Credit CardAnnual fee waived in your 1st year
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
Giordano Luggage Bag
worth RM179
when you apply through RinggitPlus *

Giordano Luggage Bag

Our Previous Winners

Cashback

Until 31 March 2022, get 15% cashback capped at RM15 per cardholder per month on your online spending at selected merchants. Spend minimum RM1,000 on retail transactions to unlock 6% digital lifestyle cashback too, capped at RM20 each month.

Cashback categoryCashback rateMonthly capSpend
GrabPay, Touch & Go E-Wallet, Boost, FavePay, Lazada, Shopee, TaoBao & Zalora15%RM15from RM1,000 and above monthly
Digital Lifestyle (Astro, Joox, iQIYI, Netflix, Playstation, Spotify & Steam)6%RM20from RM1,000 and above monthly

Premium

Convert your big purchase into 3 instalments at ZERO interest with the Smart Card 0% Buy Now Pay Later offer, valid until 30 June 2022. For more details, read more in our Review. Get covered up to USD200 for your online purchases with Visa E-Commerce Purchase Protection. Until 31 March 2022, enjoy RM10 off for normal adult tickets everyday, except Wednesdays. Enjoy 20% cashback on dining with a minimum spend of RM100 (#SCFoodieDeals), valid until 30 June 2022, terms and conditions apply. Get RM10 voucher on selected e-wallets such as FavePay and GrabPay, until 31 March 2022. Terms and conditions apply.

Balance Transfer

Enjoy a fixed interest rate of 5.99% p.a. with Standard Chartered 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
Cash withdrawal fee
RM25 or 5% of withdrawn amount, whichever is higher
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 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 attractive cashback up for grabs.

Smart Card 0% Flexipay Plus (FOP Plus) Offer

Paying for items with a big price tag that doesn’t come with an EPP option could hurt your pocket, especially if you don’t expect it. But with the Smart Card 0% Buy Now Pay Later offer, you can split that big purchase into 3 easy instalments without interest, subject to the campaign's terms and conditions.

Until 30 June 2022, all Smart cardholders will be eligible for the offer when you make a purchase that costs RM500 and above. The eligible customers will get an invitation SMS by the Bank and to opt-in, you will need to reply accordingly to convert your purchase into 3 monthly instalments at 0% interest. It’s that simple!

Take a look at the campaign FAQs below for more information:

1. Can I convert the transaction into a longer tenure?

No. For this Smart Card 0% Flexipay Plus offer, only a tenure of 3 months is available.

2. Can I get the 0% FOP on my Standard Chartered JustOne Platinum / Visa Platinum card instead?

No, the 0% FOP offer is available to Smart credit cardholders only.

3. I made a transaction of RM500 on my Smart card but didn’t receive the invitation SMS. Can I still apply for the 0% FOP?

No, only transactions that trigger an invitation SMS are eligible to be converted under the 0% FOP campaign.

4. When I login to online banking I can’t find the 0% FOP, instead I see a different interest rate. Why can’t I apply online?

Only transactions that trigger an invitation SMS are eligible to be converted under the 0% FOP campaign. The interest rate you see online is your normal FOP interest rate. To apply for the 0% FOP, please opt in via SMS reply.

5. Are all transactions eligible for the 0% FOP?

No, only selected retail transactions are eligible.

15% cashback with selected merchants

From 1 January until 31 March 2022, grab this chance to earn 15% worth of cashback capped at RM15 per month when you shop at selected merchants with your Standard Chartered Smart Credit Card.

It’s easy, you just need to make a minimum spend of RM1,000 in retail purchases at Boost, FavePay, GrabPay, Lazada, Shopee, Taobao, Zalora and Touch & Go E-Wallet. Better hurry, because the 15% cashback is based on first come first served only.

And what’s even better is that when you combine with the existing 6% cashback on Contactless Transactions and Digital Lifestyle spend such as Astro, Joox, iQIYI, Netflix, PlayStation, Spotify and Steam, you can earn up to RM35 cashback every month with RM1,000 minimum retail spend.

Here are some of the campaign FAQs that you should know about:

1. Is this campaign open for all Standard Chartered Smart credit card holders?

Yes. It’s open to all Smart cardholders on a first come first served basis, subject to a cap of RM50,000 per month.

2. Are cardholders required to register to participate in this campaign?

No registration is required from you.

3. If I only spend RM500 at the eligible merchants, will I be entitled to the cashback?

No. You need to have a minimum of RM1,000 in retail spend to unlock the 15% cashback. In your case, you just need to spend another RM500 on any retail spend like insurance, dining, shopping etc to unlock the cashback.

4. Is ShopeePay & Lazada Wallet eligible for the 15% cashback?

No, only transactions at Shopee Malaysia or Lazada Malaysia will be eligible for the cashback. The eligible e-wallet transactions that earn cashback are GrabPay, FavePay & Touch & Go E-Wallet.

6% cashback on Digital Lifestyle Spend

To unlock the 6% cashback which is 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:

  • 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 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.