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Smart Credit Card
  1. Credit cards
  2. Smart Credit Card

Smart Credit Card

Apply with one document and stand to win a 4D3N trip to race at the Standard Chartered Hong Kong Marathon, plus get RM500 cashback. Offer ends 31 July 2024. T&Cs apply.

Buy now, pay later with 0% interest* instalment plan
  • Earn
    6% cashback*

    on digital lifestyle spend

  • Enjoy
    annual fee waiver

    for the first year

  • Enjoy
    RM1 Deals

    Live The Good Live® with RM1 Deals at Inside Scoop, ZUS Coffee and many more

*Terms and Conditions apply.

Buy anything now, pay everything later

Buy what you want now and pay for it over 3 months at 0% interest

Features

Mobile Wallet

Enjoy digital payment convenience with Samsung Pay, Apple Pay & Google Pay. Faster and more secure way to pay.

Live The Good Life

Enjoy exclusive RM1 deals for Standard Chartered Card customers including Inside Scoop, Zus Coffee and many more.

Buy now, pay later with 0% instalment plan over 3 months

Convert any transaction above RM500 into three interest free instalments easily online via FlexiPay Plus.  Learn More.

6% cashback on digital lifestyle spend

Earn up to RM20 cashback a month on Astro, Joox, iQIYI, Netflix, Playstation, Spotify, Steam when you spend RM1,000 in retail purchases.
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Enjoy more cashback with your spending

6% DIGITAL LIFESTYLE CASHBACK

Spend RM1,000 in retail purchases to unlock 6% cashback at Astro, Joox, iQIYI, Netflix, Playstation, Spotify, Steam. Cashback is capped at RM20 per month.

For example, if you spend RM1,000 in a month:

MERCHANTS
AMOUNT SPENT
CASHBACK AMOUNT
NETFLIX & SPOTIFY RM80 RM4.80
ASTRO RM200 RM12
STEAM RM70 RM4.20
OTHER RETAIL SPEND RM650 RM0
Total monthly cashback earned RM20
Race from KL to Hong Kong

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM36,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

For New Customers

Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Latest 2 years EPF statements (PDF copy downloaded from the KWSP i-Akaun website/mobile app) Click here

Note: Effective 13 May 2024, please ensure that “Account 3” is shown in your latest downloaded EPF statement.

Salaried (Government Sector) / Self-Employed

  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM36,000 p.a.
For Existing Standard Chartered Credit Cardholders

No documents are required.

However, if there has been a recent change to your income, please submit your updated documents for review during the application process.

Documents Required

For New Customers

Salaried

(Private Sector/ Directors/ Employers drawing salary/ Staff of Standard Chartered / Subsidiaries)

  • Copy of NRIC (Front & Back) AND
  • Commission Statement & Bank Statement

Salaried (Government Sector) / Self-Employed

  • Copy of NRIC (Front & Back) AND
  • Download your latest BORANG B/BE Form & Acknowledgement Summary Page Click here

Finance/interest charges

15-18% p.a.

Click here to know more about the Credit card Tiered Interest Rates

Annual Fees

Principal Card: RM120

1st year annual fee waived, subsequent years waived with minimum spend of RM12,000 per annum3

Supplementary Card: Free

3Annual spend is calculated as total retail spend in past 12 months statement prior to annual fee charge.

Service Tax

Principal Card : RM25

Supplementary Card : RM25

Minimum Monthly Repayment

5% of the outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charges

Minimum RM10 or 1% of the total outstanding balance as of the statement date, whichever is higher.

Late payments charges are capped at a maximum of RM100 per account

Cash Advance Fee

N/A

Cash Advance Finance Charges

18% p.a. of the outstanding amount calculated on a daily basis from the transaction date until full repayment date.

Overlimit Service

A Fee of RM50 will be charged if Cardholder had exceeded his/her approved credit limit.

Conversion for Overseas Transactions
  1. Transactions in a currency other than Ringgit Malaysia shall be converted at the exchange rate determined by Visa International / MasterCard Worldwide / the Bank and with such fees, charges and commission as determined by Visa International / MasterCard Worldwide on the date the transaction is processed.
  2. The Bank will charge a 1% administration fee on the amount transacted in foreign currency or amount transacted overseas with any MasterCard Credit Card and/or Visa Credit Card.
Cross Border Fee

Visa International / MasterCard Worldwide will impose a 1% cross border fee on online transactions at merchants with overseas payment gateway.

Click here to know more about the Credit card Fees & Charges

Click here for Privacy Statement (PDPA)
Click here for Client and Credit Card terms
Click here for Product Disclosure Sheet (PDS)

You will earn 6% cashback on selected digital lifestyle spend capped at RM20 per month. Just spend a minimum of RM1,000 retail spend to unlock the cashback.

You can apply online at sc.com/my

You must be above 21 years old, and the minimum annual income requirement is RM36K.

Simply logon to sc.com/my and use Click to Chat to speak to our Client Care agent.

You can withdraw additional cash at ATMs with zero cash advance fees. However finance charges still apply.

You can withdraw additional cash at ATMs with zero cash advance fees. However finance charges still apply

We’ve calculated and offset all the emissions associated with the physical card production process.

You will earn 6% cashback on selected digital lifestyle spend capped at RM20 per month. Just spend a minimum of RM1,000 retail spend to unlock the cashback.

You will earn 6% cashback on selected digital lifestyle spend capped at RM20 per month. Just spend a minimum of RM1,000 retail spend to unlock the cashback.

It is enabled once card is activated.

You can convert any transaction above RM500 into three interest free instalments. Smart card 0% FlexiPay Plus offer is applicable for a tenure of three (3) months only.

Any transaction above RM500 made on your Smart credit card can be converted into 3-month 0% instalment plan.

There are no fees for Smart card 0% instalment for a tenure of three (3) months.

The cost of your purchase is divided into 3 interest-free instalments. Split your payments over the next three months.

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