Standard Chartered Visa Platinum

The perfect reward credit card with 10x rewards points on grocery shopping, and 5x rewards points on dining, department store and overseas purchases.

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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Rewards

Spend a minimum of RM1,500 each month to get an extra 5,000 Reward Points on your principal card. 10x Reward Points when you spend on grocery, and 5x Reward Points on dining, department store purchases and overseas spend. Other local spend lets you earn 1x Reward Point.

360° Rewards Points
EarnSpend
10 points on every RM1grocery spend at Jaya Grocer, Village Grocer, Ben's Independent Grocer (B.I.G), Tesco, and AEON Supermarket
5 points on every RM1dining
5 points on every RM1department stores
5 points on every RM1overseas retail transactions
1 point on every RM1others (such as groceries, petrol, pharmacy)

Premium

Collect multiple cashbacks when you reload and make purchases with selected E-Wallets such as GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Terms and conditions apply.

Balance Transfer

Enjoy 5.99% p.a. with Standard Chartered Balance Transfer PLUS for up to 36 months 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 2 years, and waived when you spend minimum RM12,000 per year for the subsequent years

    Free for life for supplementary card

  • 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
payWave

Requirements

Minimum Annual Income
RM36,000
Minimum Age
  • 21 to 65 years old  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

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!

Get Cashback for 5 E-Wallets

Rejoice all Standard Chartered credit cardholders as you get to collect multiple cashbacks when you reload and make purchases with selected E-Wallets. These include GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Head over to our blog post to find out more! Terms and conditions apply.

E-wallets / Apps Cashback Deals Requirements Eligible Credit Cards Expiry
GrabPay RM10 Grab Merchant Voucher Reload min. RM200 - Priority Banking Visa Infinite
- WorldMiles World Mastercard
- JustOne Platinum
- Visa Platinum
- Smart Credit Card
- Liverpool FC Cashback
31 Dec 2021
FavePay & Fave Deals FavePay
20% cashback (RM5 cap)

Fave Deals
25% cashback (RM5 cap)

FavePay & Fave Deals
50% cashback (RM5 cap)
FavePay - spend min. RM10, promo code (FAVESCB1)

Fave Deals - enter promo code (FAVESCB2) when checking out

FavePay & Fave Deals - new customers only, spend min. RM10,
promo code (FAVESCBNEW)
All Standard Chartered credit cards 31 Dec 2021
Boost RM10 cashback monthly Reload min. RM100 for your first top-up with SCB credit cards on the app All Standard Chartered credit cards 31 July 2021
Touch 'n Go eWallet RM10 cashback monthly Reload min. RM100 for your first top-up with SCB credit cards on the app All Standard Chartered credit cards 31 July 2021

Standard Chartered Visa Platinum 5x 360° Rewards Points

Standard Chartered proves to you just how lucky you are for banking with them by awarding you with 5x Rewards Point when you swipe your Visa Platinum card on dining, department store and overseas purchases.

In fact, you could be treating yourself with 5,000-worth of bonus 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 craving for, or 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

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 5.99% p.a. interest rate.

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

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 are overdue. This finance charge, ranging from minimum 15% p.a. to maximum 18% p.a., is tiered based on the user's repayment behaviour in the last 12 months.

See 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, if within 12 months from the card approval date you have missed 3 credit card repayments consecutively, 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 be defaulted to the minimum.