Disclaimer

This link brings you to a 3rd Party Website, over which Standard Chartered Bank Malaysia Berhad has no control ("3rd Party Website"). Use of the 3rd Party Website will be entirely at your own risk, and subject to the terms of the 3rd Party Website, including those relating to confidentiality, data privacy and security.

Standard Chartered Bank Malaysia Berhad makes no warranties, representations or undertakings about and does not endorse, recommend or approve the contents of the 3rd Party Website.

In addition to the terms stated in Standard Chartered Bank Malaysia Berhad's Important Legal Notices, Standard Chartered Bank Malaysia Berhad shall have no responsibility or liability in connection with the content of or the consequences of accessing the 3rd Party Website, including any virus arising from or system failure associated with the 3rd Party Website.

Proceed to third party website
My smartcard masthead desktop
Person, Human, Toy
  1. Credit cards
  2. Smart Credit Card

Smart Credit Card

Apply Standard Chartered Smart credit card now and get RM400 cashback. T&Cs apply.

Elevate your digital lifestyle with up to RM50 Cashback each month
  • instalment plan

  • at your favourite merchants

  • on digital lifestyle spend

*Terms and Conditions apply.

Features

Buy now, pay later with 0% instalment plan over 6 months

Convert transactions above RM500 into interest free instalments. Learn More. Terms and conditions apply .

30% cashback at your favourite merchants

Earn up to RM30 cashback a month at Boost, FavePay, GrabPay, Lazada, Shopee, TaoBao, Touch ‘n’ Go e-wallet & Zalora when you spend RM1,000 in retail purchases. Click here to 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. Learn more.
From 1 Oct to 31 Dec 2021, contactless transactions are eligible for cashback too. Learn More.

Annual fee waiver

Enjoy annual fee waiver for the first year. Subsequent years will be waived with minimum spend of RM12,000 per year3.
Show more Show less

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 CAMPAIGN 2 (1 May – 31 December 2021)

Earn up to RM30 cashback a month at Boost, FavePay, GrabPay, Lazada, Shopee, TaoBao, Touch ‘n’ Go e-wallet & Zalora when you spend RM1,000 in retail purchases.

MERCHANTS
AMOUNT SPENT (RM)
CASHBACK EARNED (RM)
GrabPay 30 9
Shopee 70 21
Other Retail Spend 900 0
Total 1,000 30
GSC movie ticket offers

RM10 for normal adult tickets daily except Wednesdays til 31 Dec 2021. For more information, 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) – Fixed income
  • Copy of NRIC (front and back) AND
  • 3 months payslips (3 bank statement if required) OR
  • Latest EPF Statement (minimum 6 months) OR
  • Borang BE with LHDN Acknowledgement Receipt
Salaried (Private) – Commission earner
  • Copy of NRIC (front and back) AND
  • 6 months payslips/ commission statement OR
  • Latest EPF Statement (minimum 6 months) OR
  • Borang BE with LHDN Acknowledgment Receipt
Salaried (Government)
  • Copy of NRIC (front and back) AND
  • 3 months payslips and 3 months bank statement OR
  • Latest EPF Statement (minimum 6 months) OR
  • Borang BE with LHDN Acknowledgement Receipt
Salaried (Employment in Singapore) – Fixed and Commission Earner
  • Copy of NRIC (front and back) AND
  • 3 months payslips (3 bank statement if required) OR
  • 6 months payslips/ commission statement OR
  • Latest income tax notice of assessment or latest 6 months CPF Contribution history statement

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
Self Employed
  • Copy of NRIC (front and back) AND
  • SSM for Sole Proprietor/ Partnership / Private Limited Co. > 2 years AND
  • Borang B/BE with LHDN Acknowledgement Receipt

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 annum3

Supplementary Card: Free

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

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 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.

Person, Human, Shopping
Easy payment scheme

Features

Easy-Payment-Scheme

Convert your transactions into 0% easy payment scheme at selected merchants.

Read More

Cash-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 Cash-On-Call Plus.

Read More

Balance Transfer Plus

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

Read More

FlexiPay Plus

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

Read More

Automatic Balance Conversion

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

Read More

Mobile Wallet

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

Read More

3D Secure Service

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

Read More

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.

Read More
BACK TO TOP