Visa Platinum Credit Card

How to Redeem

Click here to learn how to redeem rewards via Online Banking or SC Mobile app

Eligibility & Documents

Fixed Salary Non-Fixed Salary

Application Eligibility

Principal Card Age: 21 – 65 years old
Supplementary Card Age: 18 – 65 years old
Principal Card Minimum Annual Income: RM96,000 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: RM96,000 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

Fees and Charges

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.

Overseas Transactions Fees

Overseas transactions (including merchants with an overseas payment gateway) are subjected to fees, charges and commission as determined by Visa International / MasterCard Worldwide. Transactions in a currency other than Ringgit Malaysia shall also be converted at the exchange rate determined by Visa International / MasterCard Worldwide / the Bank on the date the transaction is processed.

In addition, the Bank will charge a 1% administration fee on the amount transacted in foreign currency with any MasterCard Credit Card and/or Visa Credit Card.

Click here to know more about the Credit card Fees & Charges

FAQs

You can apply online at sc.com/my

You must be above 21 years old, and the minimum annual income requirement is RM96K.

You will earn 8x points on overseas spend and 5x points on dining and grocery spend, plus 5,000 points monthly when you spend a minimum of RM1,500 on online purchases.

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, grocery and overseas. Secondly, spend a minimum of RM1,500 monthly on online purchases to get 5,000 bonus points.

Important Information

Click here for Privacy Statement (PDPA)

Click here for Client and Credit Card terms

Click here for Product Disclosure Sheet (PDS)

Terms & Conditions

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).

5,000 Bonus Points are awarded when you spend a minimum of RM1,500 or more on online purchases (local and international) in each billing cycle.
360^o Rewards Points earned are valid for a maximum of 3 years only.