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

Smart Credit Card

Apply Standard Chartered Smart credit card now and get up to RM600 cashback. T&Cs apply.

Enjoy financial flexibility on your everyday spend
  • Buy now, pay later with
    0% interest*

    instalment plan

  • Earn
    15% cashback*

    at your favourite merchants

  • Get
    6% cashback*

    on digital lifestyle spend

*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

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.

15% cashback at your favourite merchants

Earn up to RM15 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. From 1 Mar to 30 Sept 2022, 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.
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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
15% CASHBACK CAMPAIGN (1 April – 30 September 2022)

Earn up to RM15 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 40 6
Shopee 60 9
Other Retail Spend 900 0
Total 1,000 15
GSC movie ticket offers

RM10 for normal adult tickets daily except Wednesdays til 31 October 2022. For more information, click here

Dinini Privileges

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.

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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