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Win at life with Standard Chartered Smart credit card. Apply Online by selecting your preferred sign up gift.

Smart credit card masthead

Win at life with Standard Chartered Smart credit card. Apply Online by selecting your preferred sign up gift.

Crafted for the generation who is redefining what it means to be smart

Elevate your digital lifestyle with up to RM100 cashback each month. Receive RM200 Cashback or Mi True Wireless Earbuds when you apply online and spend with your credit card. Terms and conditions apply.

CREDIT CARD DINING PRIVILEGES

Features

Cheque-On-Call Plus

Get extra cash from your credit card at a low interest rate across a range of repayment periods, with the Standard Chartered Cheque-On-Call Plus.

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Balance Transfer Plus

Switch to a lower interest rate with the Standard Chartered Balance Transfer Plus.

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FlexiPay Plus

Convert your Standard Chartered credit card purchases into a low interest rate instalment plan with FlexiPay Plus.

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Automatic Balance Conversion

Break free and pay off your credit card outstanding balances with lower interest monthly instalments.

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Mobile Wallet

Change the way you pay with the widely-accepted Samsung Pay. An easier, faster and more secure way to pay.

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3D Secure Service

Enjoy peace of mind when you shop online with 3D secure – an online transaction security service facilitated by Visa and Mastercard.

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Secure Payment Method

Better protection against fraud, with the added security of Personal Identification Number (PIN).

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Live The Good Life

Enjoy exciting offers and privileges at over 4,000 outlets in Malaysia and across Asia. Pamper yourself with a card that keeps on giving.

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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
30% CASHBACK LAUNCH OFFER

Earn up to RM80 cashback a month for your first 6 months.

Category
Merchants
Details
Shopping 30% cashback capped at RM15 for the first 4,000 eligible clients per month who spend at Lazada, Shopee & Zalora Promotion period: 1 November 2020 – 30 April 2021

Cardholder is eligible for the offer for the first 6 calendar months form the card approval date

Cashback is capped at RM80 per cardholder per month

Campaign cashback is capped at RM870,000

E-Wallet 30% cashback capped at RM15 for the first 4,000 eligible clients per month who spend at Boost, GrabPay & Touch ‘n Go e-wallets
Travel 30% cashback capped at RM50 for the first 500 eligible clients per month who spend at Agoda, Klook & RoamingMan
RM200 CASHBACK
Mi True wireless earbuds

Standard Chartered Smart credit card fees and charges

CHARGES
DETAILS
Interest Rates 15-18% p.a.
Annual Fees Principal Card: RM120

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

Supplementary Card: Free

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
Cash Advance Fees 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.
Click here for more information of the Credit Card Tiered Interest Rate.

Standard Chartered Smart credit card eligibility

PRINCIPAL CARD

  • AGE

    21 – 65 years old

  • Minimum annual income

    RM36,000 p.a.

SUPPLEMETARY CARD

  • AGE

    18 – 65 years old

Terms and conditions

Important Information

Click here for Privacy Statement (PDPA)

Click here for Client and Credit Card terms

Click here for Product Disclosure Sheet (PDS)