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.
15% cashback with selected merchants
Until 31 December 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 RM1,500 in retail purchases at Lazada, Shopee, Taobao, and Zalora. Better hurry, because the 15% cashback is based on first come first served only. Terms and conditions apply.
And what’s even better is that when you combine with the existing 6% cashback on 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 RM1,500 in retail spending to unlock the 15% cashback. In your case, you just need to spend another RM1,000 on retail spending like reloading your Lazada Wallet or ShopeePay to unlock the cashback.
4. Is ShopeePay & Lazada Wallet eligible for the 15% cashback?
Yes, these e-wallet transactions are eligible for cashback.
6% cashback on Digital Lifestyle Spend
More cashback for you when you spend on Digital Lifestyle!
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 retail transactions.
Below is the list of eligible Digital Lifestyle Spend:
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 did 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% p.a to a maximum of 18% p.a, is tiered based on the user's repayment behaviour in the last 12 months.
See the 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, if you have missed 3 credit card repayments consecutively, an 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 default 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.