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

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

Person, Human, Toy

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

Buy now, pay later with 0% instalment plan over 6 months. Terms and conditions apply.

Person, Human, Shopping

Features

Easy-Payment-Scheme

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

Read More
More

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.

Read More
More

Balance Transfer Plus

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

Read More
More

FlexiPay Plus

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

Read More
More

Automatic Balance Conversion

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

Read More
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
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
More

Secure Payment Method

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

Read More
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
More

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
Visa Privileges

E-Commerce Purchase Protection

Get covered up to USD200 for your online purchases. For more information, click here

GSC movie ticket offers

RM10 for normal adult tickets daily except Wednesdays til 31 Dec 2021. For more information, click here

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

FAQs

  • 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.

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)