Standard Chartered Visa Translucent credit card

Standard Chartered Visa Translucent

8.88% interest rate on retail spending and cash advance makes this credit card an ideal choice for the cost conscious consumer.

  • 8.88% p.a. interest rate
  • 20 days interest-free period
  • 5.99% p.a. balance transfer over 36 months
  • Easy Payment Plan (EPP)
  • RM101.76 annual fee


Because you should be rewarded for giving the bank your business

Balance Transfer
Take control of your credit debt! Only 5.99%p.a. interest for up to 36 months Balance Transfer PLUS when you sign-up for a new Standard Chartered Visa Translucent.
Pay OverWith Interest Rate AtWhen You Transfer
Up to 36 months5.99% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about Standard Chartered Balance Transfer PLUS
Easy Payment Plan (EPP)
Standard Chartered Flexi Pay gives you the option to convert any of your credit card purchases to 12 month installments at a low interest rate of 7.88%p.a. (applications made through online banking).
Pay OverWith Interest Rate AtWhen You Spend
12 months7.88% p.a. and no one-time upfront handling feefrom RM500 
Learn more about Standard Chartered FlexiPay
Low Interest Rate
Attractive low interest rate from 8.88% on both retail transactions and cash advance. No over limit fees – should you exceed your credit limit there will be no charge. Now you have no more worries about high fees and interest rates!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • free for supplementary card
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM26.50 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
Standard Chartered FlexiPay
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
Standard Chartered Cheque On Call Plus
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
Standard Chartered Balance Transfer PLUS
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

Standard Chartered Visa Translucent review

What's so good (or not so good) about it?

It’s interesting that Standard Chartered called this the Translucent Card posing as counterpart to the Citibank Clear Card. It makes one wonder what’s next: the diaphanous or pellucid card? Bad thesaurus jokes aside, how does this new card set Standard Chartered up against rigorous credit card competition?

What’s the perks?

The Standard Chartered Visa Translucent is a basic ‘starter’ card with a low interest rate (8.88%) and a 0.88% balance transfer programme for up to 12 months.

The card doesn’t charge an over limit fee (the fee you will incur on usage past you credit limit) but this will depend on your overall payment behaviour.

Supplementary cards come free with the Translucent.


There are no rewards points attached or a cash back programme. Although it is broken down into bite-sized monthly fees of RM8.48 (Standard Chartered likes monthly fees – think the Standard Chartered WorldMiles MasterCard at RM14 per month). You will have to pay a total of RM101.76 yearly fees. 

How does it compare?

The Translucent card, by its name, suggests competition for the Citibank Clear Card. The Citibank Clear Card has more lifestyle benefits: a rewards programme (RM1=1 point; 3X at selected merchants) and exclusive deals at Zouk, cinemas and Coffee Bean (the kind that will appeal to the youth market it targets).

While the Standard Chartered Visa Translucent card does not include lifestyle perks, it does have a more competitive interest rate tier. This credit card only requires that you pay your minimum balance (5%) to enjoy the 8.88% rate. The Visa Translucent card also does not charge any fees should you exceed your credit limit. The Clear Card will charge you a monthly fee of RM25 for every month that your balance is over the credit limit.

The Translucent card has low annual fee at RM96 per year which is subjected to 6% GST.

So which one?

Despite being marketed with a similar sounding name; the cards serve two very different kinds of users. If you are stuck with a large balance: it would be helpful to take advantage of the 0% balance transfer promotion. You will also subsequently enjoy a low interest rate even if you only make minimum payments. The no-penalty for over limit use is also helpful for those who may need an emergency card for a large sum.

The Citibank Clear Card is more useful to those who don’t use their cards for larger amounts as they will need to settle 50% every month to enjoy the low interest rate. The card will ‘reward’ the good paymasters with rewards points and discounts at participating merchants. 

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