Standard Chartered Visa Platinum

The perfect reward credit card with 5x rewards points on dining, department store purchases and overseas spending. Get a 1x reward point on all other local transactions.

Standard Chartered Visa Platinum5X reward points for dining and overseas
Min. Income
RM3,000/month
Annual Fee
Free*
Balance Transfer
From 5.99% p.a.
Easy Payment Plan
From 9.88% p.a.
Interest Rate*
15% p.a.
Interest-free
20 days

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Apple iPhone 15 Pro Max
worth RM6499
when you apply through RinggitPlus *

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Rewards

Get as high as 5x Reward Points on dining, department store purchases and overseas spending via contactless payment. Meanwhile, other local spending earns you 1x Reward Points. Additionally, if you spend a minimum of RM1,500 each month, you can get an extra 5,000 Bonus Reward Points on your principal card!

360° Rewards Points
EarnSpend
5 points on every RM1on dining, department store purchases and overseas retail transactions via contactless payment
1 point on every RM1on other local transactions

Premium

You can now add your Standard Chartered Visa Platinum to Apple Pay, Samsung Pay or Google Pay for more seamless transactions! Additionally, enjoy Standard Chartered's flexible credit lines such as Cash-On-Call-Plus, Easy-Payment-Scheme, and Automatic Balance Conversion and take control of your finances. On top of that, enjoy RM1 deals at participating merchants such as The Inside Scoop, ZUS Coffee and many others via the Live The Good Life program by Standard Chartered.

Balance Transfer

Transfer the outstanding balance from another bank's credit card to a Standard Chartered Visa Platinum credit card, and enjoy a fixed interest rate of 5.99% per annum 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 flexible payment term of up to 60 months at 9.88% interest rates per annum with minimum spending of RM500 at participating merchants.

Standard Chartered FlexiPay Plus
Pay OverWith Interest Rate AtWhen You Spend
3 months9.88% p.a.and no one-time upfront handling feeRM500
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
24 months9.88% p.a.and no one-time upfront handling feeRM500
36 months9.88% p.a.and no one-time upfront handling feeRM500
48 months9.88% p.a.and no one-time upfront handling feeRM500
60 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 2 years, and waived when you spend minimum RM12,000 per year 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
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
FlexiPay Plus lets you convert your big retail purchases to an instalment plan for up to 60 months at low interest rates via the SC Mobile Banking App!
Balance Transfer Plans
Standard Chartered Balance Transfer PLUS
Transfer your outstanding balances to a new Standard Chartered credit card with low and fixed interest rates. Stretch your repayments up to 36 months!

Review

Order anything you want on the menu or trot around the globe in style, but don’t forget to take Standard Chartered Visa Platinum with you to reap an array of exclusive benefits and privileges – the sky is the limit!

Standard Chartered Credit Cards Promotion

For a limited time, qualified applicants of eligible Standard Chartered credit card(s) will receive a free sign-up gift of:

  • Apple iPhone 15 Pro Max (For every 20th qualified applicant based on the bank's approval list, who submits EPF Statements as their income document to the bank's online application form, capped at 10 units)
  • RM600 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who are not selected for the premium gift above, and submit EPF Statements as their income document to the bank’s online application form)
  • RM500 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who do not submit EPF Statements as their income document to the bank's online application form)

This promotion is valid from 13 March 2024 until 20 March 2024, subject to the campaign’s terms and conditions.

Who is qualified for this promotion?

This promotion is open to new customers only. Those who are not eligible to apply are existing principal/supplementary cardholders(s) and those who have cancelled their Standard Chartered credit card(s) within 12 months before the flash deal application.

How to be eligible for the gift?

Apply, get approved by Standard Chartered, subsequently activate the new card and make at least eight (8) retail transactions with a minimum of RM800 as the sum of these transactions within 60 calendar days upon the approval date.

Which credit card(s) can I apply for?

You can apply for:

  • Standard Chartered Simply Cash Credit Card
  • Standard Chartered Smart Credit Card
  • Standard Chartered Journey Credit Card
  • Standard Chartered Visa Platinum Credit Card

Where can I reach out to you for more information?

For any questions, please get in touch with us via email at [email protected]. We're happy to help!

Up to 5x 360° Reward Points with Standard Chartered Visa Platinum

Standard Chartered proves to you just how lucky you are for banking with them by awarding you with 5x Reward Points when you swipe or tap your Visa Platinum card for dining spending, department store purchases and overseas spending.

You could be treating yourself with 5,000-worth of Bonus Reward Points every month just by charging a minimum of RM1,500 on your Standard Chartered Visa Platinum credit card.

What to do with all these piling rewards points? You can exchange your points to redeem great gifts or even air miles!

Standard Chartered FlexiPay Plus

How do you fancy getting what you want now and paying for it later? Instead of using your hidden-under-pillow savings to make that big purchase, go for your Standard Chartered credit card then convert it into FlexiPay Plus.

With FlexiPay Plus, you can own the special edition iPhone you have been wanting, pay your foreman for servicing your precious car or even advance your hospital bill payment.

What’s more, you can enjoy a competitive rate of 9.88% with a minimum spend of RM500 when you apply for FlexiPay Plus!

Standard Chartered Visa Platinum Balance Transfer

The Standard Chartered Visa Platinum credit card can also be a useful financial management tool.

It has the Standard Chartered Balance Transfer feature which allows cardholders to consolidate outstanding balances from other credit cards or charge cards into one single credit card.

By transferring outstanding balances from other cards to Standard Chartered Visa Platinum, cardholders can pay off the total amount for up to 36 months at a 5.99% per annum interest rate.

Such a feature helps cardholders manage their payments easily and creates savings on interest payments.

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% per annum to a maximum of 18% per annum, is tiered based on the user's repayment behaviour in the last 12 months.

See the table below for reference:

Annual Rates Conditions
15% per annum Cardmembers who promptly settle their Minimum Monthly Payment due for 12 consecutive months.
17% per annum Cardmembers who promptly settle their Minimum Monthly Payment due for 10/11 months in the last 12 consecutive months.
18% per annum Cardmembers who make 9 months or less prompt payments of their Minimum Monthly Payment in the last 12 consecutive months.

For example, if within 12 months from the card approval date you have missed three (3) credit card repayments consecutively, an 18% per annum finance charge will be levied on the credit card outstanding balance.

After 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.

What are the required documents to make an application?

If you are a salaried employee, please prepare the following documents.

Private sector:

  • Copy of your IC (both sides); and
  • Latest 3 months salary slip (3 months bank statement if required); or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

Public sector:

  • Copy of your IC (both sides); and
  • Latest 3 months salary slip and 3 months bank statement; or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

If you are a commission earner, please prepare the following documents.

Private sector:

  • Copy of your IC (both sides); and
  • Latest 6 months salary slips/commission statement; or
  • Latest 6 months EPF statement; or
  • EA or BE Form with LHDN Acknowledgement Receipt

If you are self-employed, please prepare the following documents.

  • Copy of your IC (both sides); and
  • SSM for Sole Proprietor/ Partnership / Private Limited Co. > 2 years; and
  • B or BE Form with LHDN Acknowledgement Receipt
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