Annual fee waived in your 1st year
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 Rate | Condition |
| 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.
Standard Chartered 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
What are the required documents to make an application?
If you are a salaried employee, please prepare the following documents.
Private sector, including government-linked companies:
- An unmarked copy of your IC (both sides)
- Latest 6 months EPF statement from the i-Akaun portal for years 2022 and 2023; or
- Latest 1-month salary slip; or
- EA Form
Public sector:
- An unmarked copy of your IC (both sides)
- Latest 6 months EPF statement from the i-Akaun portal for years 2022 and 2023; or
- Latest B/BE Form with LHDN Acknowledgement Receipt; or
- Latest 1-month salary slip and bank statement
If you are a commission earner, please prepare the following documents.
Private sector, including government-linked companies:
- An unmarked copy of your IC (both sides)
- Latest 6 months EPF statement from the i-Akaun portal for years 2022 and 2023; or
- Latest B/BE Form with LHDN Acknowledgement Receipt
- Latest 6 months commission statement; or
- EA Form
Public sector:
- An unmarked copy of your IC (both sides)
- Latest 6 months EPF statement from the i-Akaun portal for years 2022 and 2023; or
- Latest 6 months commission statement
If you are self-employed, please prepare the following documents.
- An unmarked copy of your IC (both sides)
- Latest B/BE Form with LHDN Acknowledgement Receipt
- A copy of your SSM Certificate (Minimum 2 years vintage, and minimum validity of SSM of 60 days)
