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 Application Journey
You can apply for a Standard Chartered credit card online through 2 simple steps: (1) RinggitPlus WhatsApp, then (2) Standard Chartered Digital Form.
On RinggitPlus WhatsApp, you are required to provide your MyKad (front & back) to proceed with credit check and card selection.
Next, you will be redirected to Standard Chartered Digital Form to complete the application via these six steps:
Standard Chartered Credit Card Malaysia: Rewards and Travel
Earn 360°Rewards Points by spending minimum RM1 with Standard Chartered Visa Platinum and Standard Chartered Platinum MasterCard Basic credit cards on selected spending categories, locally and overseas.
Check your card point balance on your monthly statement or call Standard Chartered 24-hour Phone Banking Hotline at 1-300-888-888 (local) or 03 7711 8888 (international).
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 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 card in Malaysia.
Better yet, get yourself a travel credit card like the Standard Chartered WorldMiles World MasterCard to collect and redeem WorldMiles directly.
Standard Chartered Bank Credit Card: Cashback
Maximise your monthly spending on petrol or any retail transactions with Standard Chartered cashback credit cards.
The Standard Chartered JustOne Platinum MasterCard and Standard Chartered Liverpool FC Cashback will let you enjoy high cashback rates that 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.
All you need to do is accumulate a minimum RM100 cashback to redeem for items or convert it to cash.
Standard Chartered Credit Card Promotion
Enjoy a variety of Standard Chartered credit card promotions all year long!
Each Standard Chartered credit card comes with its own promotional features and benefits.
All you need to do is spend on any of your credit cards and get rewarded with luxury cars, mobile gadgets, Liverpool FC merchandise, big shopping discounts, and a 1 for 1 offer - with a little bit of luck, there will definitely be something for everyone!
Standard Chartered Malaysia Credit Card: Security Features
Like all secure credit cards, your Standard Chartered card is built in with a secure payment method, known as 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 plan, you will save on interest charges and reduce your monthly installment amount.
Therefore, no minimum payment is allowed, otherwise, you will go back to paying high finance charges of up to 18% p.a.
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 installments 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 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 follow:
- Hold a valid identity card such as MyKad or Passport
- Earn a minimum income of RM24,000 per annum
|APPLY FOR STANDARD CHARTERED CREDIT CARD ONLINE - ELIGIBILITY|
|Age of Principal Cardholder||21 - 65 years old|
|Age of Supplementary Cardholder||18 - 65 years old|
|Income Requirement (monthly)*||
*Please be noted that the minimum income requirement for expats might be different
Documents for Standard Chartered Credit Card Online Application
If you have both requirements ticked, then you should be preparing these documents before making your way to the online application form.
|DOCUMENTS FOR STANDARD CHARTERED CREDIT CARD APPLICATION|
|Latest 1-month salary slip / 6-month salary slip for commission earner||Latest 6-month bank statement|
|Latest 1-month bank statement||Business Registration Certificate|
|Latest EPF statement, or||Form 9, 24, 49|
|Latest Borang BE (full submission to LHDN)||Latest Borang B / BE (full submission to LHDN)|
Standard Chartered may request for additional documents at its absolute discretion if your assessment did not meet the requirement.
Best Standard Chartered Credit Cards in Malaysia 2020:
- Standard Chartered JustOne Platinum MasterCard Shop online, swipe on petrol, and setup auto-billing to enjoy great rebates up to 15% each month with the cashback card that's designed for the savvy user.
- Standard Chartered Visa Platinum 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, on either your principal or supplementary card!
- Standard Chartered WorldMiles World MasterCard Enjoy great travel privileges and a faster way to earn AirMiles, unlimited Plaza Premium Lounge access, complimentary airport ride transfer, personal concierge and more with the WorldMiles World MasterCard.
- Standard Chartered Liverpool FC Cashback Enjoy cashback whenever you spend and pamper yourself with Standard Chartered Liverpool FC Cashback, a card that keeps on giving.
- Standard Chartered Platinum MasterCard Basic A credit card for beginners that waives annual fee for life and gives reward points for every Ringgit spent. To manage your finances right, you need to begin right.