Best Standard Chartered Credit Cards in Malaysia 2024

Standard Chartered credit cards offer thousands of great deals nationwide, from dining offers to shopping, travelling and lifestyle benefits. Compare all the cards and apply online.

Get a FREE
Touch 'n Go E-Wallet Credit
worth RM1000
when you apply through RinggitPlus *

Touch 'n Go E-Wallet Credit

Our Previous Winners

Overview of Standard Chartered Credit Cards in Malaysia

Catering to reward seekers, cashback lovers and avid travellers, get the best of both worlds: an international credit card brand with global and local benefits.

Standard Chartered Credit Card Campaign FAQs:

For 2 days only, qualified applicants of eligible Standard Chartered credit card(s) will get a free guaranteed sign-up gift of either the following:

  • RM1,000 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who 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)

Bonus Gift (Sign-up with Flexi-On-Balance or FlexiPay Plus)

  • RM200 Touch 'n Go E-Wallet Credit (Guaranteed to qualified applicants who participate in the Flexi-On-Balance/FlexiPay Plus via the SC mobile app, with a minimum amount of RM500 within 150 calendar days upon the card approval

Bonus Gift (Sign-up with Standard Chartered JumpStart Savings Account-i)

  • Apple iPhone 15 Pro Max or Apple iPhone 15 (For qualified applicants with the highest average deposit amount throughout the promotion period (until 31 July 2024), capped at 1 each)
  • RM200 Touch 'n Go E-Wallet Credit (Guaranteed)

This campaign runs from 17 July 2024 to 19 July 2024, subject to the campaign's terms and conditions.

*The EPF statements must be downloaded as a full statement from the KWSP i-Akaun portal or the i-KWSP App with a minimum of 6 months or 2 years contribution.

Who is qualified for this promotion?

This campaign is open to new customers only. Existing principal/supplementary cardholders(s) and those who have cancelled their Standard Chartered credit card(s) within 18 months before the flash deal application are not eligible.

How to be eligible for the gift?

Apply, get approved by Standard Chartered, subsequently activate the new card and spend a minimum of RM400 per month, for three (3) months upon the approval date to be eligible.

Which credit card(s) can I apply for?

You can apply for:

  • Standard Chartered Simply Cash Credit Card
  • Standard Chartered Journey Credit Card
  • Standard Chartered Smart 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!

Standard Chartered Credit Card Application Journey

You can apply for a Standard Chartered credit card online through 2 simple steps: (1) RinggitPlus WhatsApp Chatbot, then (2) Standard Chartered Digital Form.

On the RinggitPlus WhatsApp Chatbot, you are required to provide your IC (front and back) to proceed with a credit check and card selection.

Next, you will be redirected to the Standard Chartered Digital Form to complete the application via these six steps:

Standard Chartered credit card application

Standard Chartered Credit Card Malaysia: Rewards and Travel

Earn 360° Rewards Points with Standard Chartered Visa Platinum and Standard Chartered Platinum MasterCard Basic credit cards. 

Check your card point balance on your monthly statement or by logging into SC Online Banking.

You will be spoilt for choice with the rewards program as you can redeem your points with a wide variety of gifts. 

You can control the flexibility of your credit card point redemption by combining points with a cash payment if you want to save your points for another big-ticket item purchase.

That’s not all, you can also redeem your points with air miles from your favourite airlines that are partnered with Standard Chartered credit cards in Malaysia. 

Better yet, get yourself a  travel credit card like the Standard Chartered Journey Credit Card to collect and redeem Miles directly.

Get Cashback with a Standard Chartered Bank Credit Card

Maximise your monthly spending on petrol or any retail transactions with Standard Chartered cashback credit cards. 

The  Standard Chartered Simply Cash Credit Card and Standard Chartered Smart Credit Card will let you enjoy up to 15% cashback which will bring you even more value and savings.

You can choose to redeem your cashback with gifts or have the cash credited back to your Standard Chartered Bank credit card account.

Standard Chartered Credit Card Promotion

Enjoy a variety of Standard Chartered credit card promotions all year long with The Good Life Privileges!

Each Standard Chartered credit card also comes with its promotional features and benefits.

Standard Chartered Hong Kong Marathon Campaign

Avid marathon runners rejoice! Stand a chance to win a Grand Prize consisting of 2x slots to the prestigious Standard Chartered Hong Kong Marathon which is happening on 9 February 2025. 

Valid until 31 July 2024, this campaign also includes a 4-day 3-night hotel accommodation and 2x return flight tickets.

Maximise your chances of winning by earning entries through fulfilling specific application or transaction requirements of certain products/services! 

Check out the T&Cs or visit the Standard Chartered website to find more details.

Security Features of Standard Chartered Malaysia Credit Card

Like all secured credit cards, your Standard Chartered card is built in with a secure payment method, known as a Personal Identification Number (PIN) to protect you against fraudulent activity. 

Your online payment is also protected via Verified by Visa or Mastercard SecureCode.

Standard Chartered Balance Transfer Plan

Are you anxious looking at your monthly statement every month with your outstanding balance incurring more interest even after you have partially paid it?

Worry no more as your SCB credit cards offer a balance transfer plan at a one-time low-interest rate and flexible repayment tenure.

Now, when you sign up for  Standard Chartered Balance Transfer Plus, you will save on interest charges and reduce your monthly instalment amount. 

Therefore, no minimum payment is allowed. Otherwise, you will go back to paying high finance charges of up to 18% per annum.

Standard Chartered FlexiPay Plan

An easy payment plan gets you the product or service that you have been craving for a long time by just converting the purchase amount made via your credit card into smaller monthly instalments at a flexible repayment period.

The minimum amount to be converted is RM500 and you need to apply for  Standard Chartered FlexiPay Plus within 30 days from the date of your transaction to enjoy a flat and low-interest rate.

How to Apply for a Standard Chartered Credit Card?

Anyone can apply for a Standard Chartered card online in Malaysia here on RinggitPlus, provided that you meet the minimum requirements such as follows:

  • Hold a valid identity card such as an IC or Passport
  • Earn a minimum income of RM24,000 per annum
Age of Principal Cardholder 21 to 65 years old
Age of Supplementary Cardholder 18 to 65 years old
Nationality Anyone
Income Requirement (monthly)*

*Please note that the minimum income requirement for expatriates might be different.

General Documents for Standard Chartered Credit Card Online Application

If you have the requirements ticked, then you should be preparing these general documents before making your way to the online application form.

Salaried Employee Commission Earner/ Self-Employed
Private sector:
Copy of your IC (both sides) or passport
Latest 2 years of EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app)

Public sector:
Copy of your IC (both sides) or passport
 Latest Form B/BE and the Acknowledgement Summary Page (click here for the guidelines)
Private sector:
Copy of your IC (both sides) or passport
 Commission statement and bank statement

Public sector:
 Copy of your IC (both sides) or passport
✔ Latest Form B/BE and the Acknowledgement Summary Page (click here for the guidelines)


1. Standard Chartered may request additional documents at its absolute discretion if your assessment does not meet the requirement.

2. Effective 13 May 2024, please ensure that "Account 3" is shown in the downloaded EPF statement.

Best Standard Chartered Credit Cards in Malaysia 2024:

Get rewarded with up to 15% cashback every month on Petrol, Ewallet and Groceries plus Dining spend.

Enjoy 0% instalments over 3 months on any purchase above RM500. This in-trend credit card rewards you with 6% cashback on your digital lifestyle spending too.

Earn 5x rewards points each time you swipe on dining, department stores, and overseas purchases. Spend a minimum of RM1,500 a month to get an extra 5,000 bonus points.

Enjoy a faster way to earn AirMiles and great travel privileges such as unlimited Plaza Premium Lounge access, complimentary airport ride transfer, travel medical coverage and more with the Journey Credit Card.

A credit card for beginners that waives the annual fees for life and gives reward points for every Ringgit spent. To manage your finances right, you need to begin right.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product