Standard Chartered WorldMiles World MasterCard

Enjoy great travel privileges and a faster way to earn AirMiles, unlimited Plaza Premium Lounge access, free airport ride transfer and many more.

Standard Chartered WorldMiles World MasterCardBonus air miles and travel benefits
Min. Income
RM7,500/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

Get a FREE
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worth RM3899
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Rewards

Get the fastest reward redemption for air tickets at the very lowest cost. Use your WorldMiles Points to redeem Malaysia Airlines Enrich Miles, AirAsia BIG Points, Singapore Airlines KrisFlyer Miles and Cathay Pacific Asia Miles for cheaper flights!

WorldMiles Points
EarnSpend
1 point on every RM3on local expenses
4.5 points on every RM3on overseas expenses

Travel

Enjoy unlimited free access to Plaza Premium Lounge in KLIA and klia2 for principal card members. Also, you can save up to RM80 on your Airport Limousine or KLIA Ekspres (ERL) ride home. Plus, enjoy exclusive travel offers by Agoda and KLOOK with up to 9% discount on hotel bookings & other offers.

Premium

Shop online and get covered with up to USD200 for your purchases. Book for a 3 night stay and pay only for 2 nights at participating Banyan Tree Hotels & Resorts. Enjoy exclusive cashback offers online and in store at selected overseas merchants with Mastercard Traveler Rewards. 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

Take control of your credit debt with a balance transfer to your Standard Chartered Worldmiles MasterCard. Successful applicants get to enjoy 5.99% interest p.a. and repayment tenure of up to 36 months.

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 offers a fixed payment term of up to 18 months at 9.88% rates, with a minimum purchase 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
  • RM600 primary card

    First year free for new customers only

    Waived when you spend of RM60,000 p.a.

  • 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
PayPass

Requirements

Minimum Annual Income
RM90,000
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

Standard Chartered Bank brings good news to frequent flyers with its travel credit card – Standard Chartered WorldMiles World MasterCard. 

Transform the way you travel with the card that lets you earn air miles faster than ever while offering you comfort between trips, along with exclusive travel packages and merchant offers across the region.

Standard Chartered WorldMiles World MasterCard - Airmiles that are easy to earn

Once you have the card, you can earn 1 WorldMiles Point with every RM3 in local retail spending, or 4.5 WorldMiles Points with every RM3 in overseas spending. However, petrol transactions are excluded.

From 19 April 2021 until 31 December 2021, get rewarded with another 4.5 WorldMiles Points on selected travel spending charged to Standard Chartered WorldMiles World MasterCard. Terms and conditions apply. The participating merchants are:

  • Agoda
  • Booking.com
  • Expedia
  • Hotel.com
  • KLOOK

Here are the key terms and conditions for the WorldMiles Points:

  • Points earned can be redeemed for air miles from Malaysia Airlines Enrich, Singapore Airlines Krisflyer, AirAsia BIG and Cathay Pacific Asia Miles.
  • Two WorldMiles Points can be used to redeem one air mile.
  • Redemption of air miles can only be made in multiples of 1,000 points.
  • WorldMiles Points are valid for 36 months from the month it is credited into your account.

Special Privileges

In addition to WorldMiles Points, the Standard Chartered WorldMiles World MasterCard also features special privileges to cater to the needs of frequent travellers.

As a principal cardholder, you can enjoy unlimited complimentary access to Plaza Premium Lounge in KLIA and klia2 worth RM168 per entry. 

The accompanying guests can enjoy a 20% discount on the published rates of Plaza Premium Lounges. 

What's more - your ride home from KLIA and klia2 could be free! 

This Standard Chartered credit card offers up to RM80 cashback on your Airport Limousine or KLIA Ekspres (ERL) ride as long as you, as the principal cardholder, spend a minimum of 3 retail transactions overseas in foreign currency in the past 30 days, excluding online purchases. 

The cashback is only applicable for the first ride of each month.

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 WorldMiles World MasterCard Annual Fee

The Standard Chartered WorldMiles World MasterCard has an annual fee of RM600 - free for the first year for new customers. 

The annual fee is referred to as the Miles Membership Fee and at the time of writing. All supplementary cards are free. 

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.