Standard Chartered Smart Credit Card

Earn 6% cashback every month on digital lifestyle spendings 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 5.99% p.a.
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

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

Special offer for foodies! Enjoy 20% cashback when you spend a minimum of RM100 for dining at selected restaurants, terms apply. On top of that, all Apple and Samsung users can now add their Standard Chartered credit card to Apple Pay or Samsung Pay to enjoy a seamless transaction anywhere. Plus, enjoy multiple lines of credits to elevate your lifestyle even further with SC's Easy-Payment-Scheme, Automatic Balance Conversion, Flexi-On-Balance-Plus, Credit Card Limit Increase and others.

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 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

Special offer! Get your dream item and convert them into 0% instalments over 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
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 digital entertainment spenders, streamers, gamers, foodies and music lovers, with attractive cashback up for grabs. 

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!

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% 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.

Brilliant lines of credits 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.

SC 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 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
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