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Visa Platinum
  1. Credit cards
  2. Visa Platinum

Visa Platinum 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.

Visa Platinum Credit Card Benefits1
  • Earn
    5x points

    for dining, department store purchases, and overseas spend

  • Receive
    5,000

    bonus points monthly

  • Enjoy
    annual fee waiver

    for the first and second year

1Terms and Conditions apply.

Enjoy more benefits when you spend with us

Mobile Wallet

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

FlexiPay Plus

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

Live The Good Life

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

Annual fee waiver

Enjoy annual fee waiver for the first and second year.
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Multiply your rewards with your daily spend
5x Points Multiplier
For your dining, department store purchases and overseas spend.
1x Points Multiplier
For other local spend.
5,000 Bonus Points
When you spend RM1,500 or more.
Enter your average monthly spending in the calculator below and view your estimated earnings with 360° rewards points:
How much do you spend on Overseas?
RM
  • RM 0
  • RM 5000
How much do you spend on Dining?
RM
  • RM 0
  • RM 5000
How much do you spend on Department Stores?
RM
  • RM 0
  • RM 5000
How much do you spend on Other Items?
RM
  • RM 0
  • RM 5000

Note: This calculation is for illustrative purposes only

  • Your estimated earnings with 3600 rewards points:
  • Your average monthly spending:RM12,390
  • Total 3600 rewards points earned:12,000
  • +5,000
  • bonus points when you spend more than RM1,500

Here are some of the sample items you can use your points to redeem:

20,000 points and above

  • Travel essentials (such as travel pouch, luggage tag, travel lock)
  • Gift Card / Vouchers
  • Tupperware products

50,000 points and above

  • Bags (such as laptop bag, foldable travel bag , school bag)
  • Lock & Lock products
  • Home Electronics

150,000 points and above

  • Luggage Bags
  • Smart Phones
Items are subject to stock availability at the point of redemption.
Click here to view for most updated items and required points to redeem.

Application Eligibility

  • Principal Card Age: 21 – 65 years old
  • Supplementary Card Age: 18 – 65 years old
  • Principal Card Minimum Annual Income: RM90,000 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

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: RM90,000 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 (First 2 years annual fee waiver, subsequent years will be waived with minimum spend of RM12,000 per year*)

Supplementary Card: Free

* Annual 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

Up to 5% or a minimum of RM25 will be imposed for each transaction

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

You can apply online at sc.com/my

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

You will earn 5x points for dining, department store purchases and overseas spend, plus 5000 bonus points monthly when you spend RM1,500 or more.

This is a feature where you can consolidate all your credit card outstanding balances and enjoy a fixed low interest rate across a range of flexible repayment periods.

The annual fee is RM120 for a principal card (first 2 years annual fee is waived), and free for a supplementary card.

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

It is enabled once card is activated.

Firstly, spend mainly on the categories that have a points multiplier, i.e. dining, department stores and overseas. Secondly, spend a minimum of RM1.5K monthly to get the 5K bonus points.

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

  1. Retail purchases excludes the following transactions:
  • Cash advances, cash withdrawals, charges for cash advance or cash withdrawals, annual fees, interest, finance charges, late payment fees, disputed transactions or any other form of service or miscellaneous fees charged by us;
  • Balances products including but not limited to Balance Transfers, Balance Transfers Plus, Cheque On Call, Cheque On Call Plus, Flexi on Payment, Flexi on Payment Plus, Flexi On Balance, Flexi On Balance Plus, Easy Payment Scheme (EPS);
  • Government service tax and other taxes imposed by law;
  • Government related transactions which include but are not limited to payment of rates, charges, fines to Governmental, statutory and judicial bodies;
  • Charity and organizations related transactions which include but are not limited to payment and contributions to charitable, non-profitable, community or social service organizations;
  • Transactions under Merchant Category Code (MCC) 8999 “Professional Services” which include but are not limited to Jompay transactions, FPX transactions, DuitNow QR transactions and Paypal transactions;
  • Casino transactions (transactions with MCC of 7995/ 4829/ 6051).
  1. 5,000 Bonus Rewards Points are awarded when you spend a minimum of RM1,500 or more in retail purchases (local and international) in each monthly billing cycle.
  2. 360o Rewards Points earned are valid for a maximum of 3 years only.
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