Standard Chartered Smart Credit Card

Earn 15% cashback every month at Lazada, Shopee, TaoBao, and Zalora. Convert your retail purchase of above RM500 to 3 months of 0% instalments 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 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
Cashback Giveaway
worth RM1000
when you apply through RinggitPlus *

Cashback Giveaway

Our Previous Winners

Cashback

Until 31 December 2022, get 15% cashback per month on your online spending at selected merchants below. Spend a minimum of RM1,000 on retail transactions to unlock 6% digital lifestyle cashback and contactless cashback too, capped at RM20 each month.

CASHBACK CATEGORYCASHBACK RATEMONTHLY CAPSPEND
Lazada (including Lazada Wallet), Shopee (including ShopeePay), TaoBao & Zalora15%RM15from RM1,500 or above monthly
Digital Lifestyle (Astro, Netflix, Spotify, Steam, Joox, iQIYI & Playstation)6%RM20from RM1,000 or above monthly

Premium

Get covered up to USD200 for your online purchases with Visa E-Commerce Purchase Protection. Until 31 October 2022, enjoy RM10 off for normal adult tickets every day, except Wednesdays. Plus, enjoy 20% cashback on dining with a minimum spend of RM100 (#SCFoodieDeals), valid until 31 December 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 of 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 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.

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:

  • 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 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:

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, 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.

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