{"id":18223,"date":"2021-09-19T20:00:00","date_gmt":"2021-09-19T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/reduce-expense-with-smart-credit-card.html"},"modified":"2026-03-26T16:00:32","modified_gmt":"2026-03-26T08:00:32","slug":"reduce-expense-with-smart-credit-card","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/credit-cards\/reduce-expense-with-smart-credit-card.html","title":{"rendered":"How To Reduce Your Monthly Expenses With A Smart Credit Card"},"content":{"rendered":"\n<p>Have your groceries and daily necessities gotten more expensive lately? After a pandemic-induced <a href=\"https:\/\/www.theedgemarkets.com\/article\/state-nation-inflation-make-comeback-2021-only-mildly\" target=\"_blank\" rel=\"noopener noreferrer\">decline in prices<\/a> for 2020, Bank Negara Malaysia (BNM) has announced that headline inflation (which measures the total inflation within an economy, including food and energy prices) will <a href=\"https:\/\/www.freemalaysiatoday.com\/category\/nation\/2021\/03\/31\/headline-inflation-to-temporarily-spike-to-5-in-q2-says-bnm\" target=\"_blank\" rel=\"noopener noreferrer\">temporarily spike<\/a> to <strong>above 5%<\/strong> in the second quarter of 2021.<\/p>\n<!--more-->\n<p>[no_toc]<\/p>\n<p>In times like this, with rising inflation and <a href=\"https:\/\/www.theedgemarkets.com\/article\/dosm-slight-increase-unemployment-rate-january-2021\" target=\"_blank\" rel=\"noopener noreferrer\">job uncertainty<\/a>, isn\u2019t it great if you can reduce monthly expenses to give your strained wallet some breathing space?&nbsp; However, saving money doesn\u2019t mean you have to give up your Netflix subscription and online shopping.<\/p>\n<h2>Enjoy up to 30% cashback (capped at a total of RM50 a month)<\/h2>\n<p>With the eco-friendly, CarbonNeutral\u00ae <a href=\"https:\/\/www.comparehero.my\/credit-card\/product\/standard-chartered-smart-credit-card\" target=\"_blank\" rel=\"noopener noreferrer\">Standard Chartered Smart credit card<\/a>, you can have the best of both worlds: <strong>reduce your spending with up to 30% cashback (capped at a total of RM50 a month) and still indulge in the things you enjoy<\/strong>.<\/p>\n<h2>Save up to RM30 monthly when you shop and use e-wallets<\/h2>\n<p>From 1 May until 31 December 2021, you can enjoy up to <strong>30% cashback (capped at RM30) a month as a Standard Chartered Smart credit cardholder<\/strong>. This means you\u2019ll receive a maximum of RM30 cashback every month when you spend through:<\/p>\n<ul>\n<li><strong>Lazada, Shopee, Zalora, and TaoBao shopping platforms<\/strong><\/li>\n<li><strong>GrabPay, Touch \u2018n Go e-wallet, Boost, and FavePay<\/strong><\/li>\n<\/ul>\n<p>To unlock this <strong>cashback<\/strong>, all you have to do is spend <strong>a minimum of RM1,000 in total retail purchases each month with a Standard Chartered Smart credit card<\/strong>.<\/p>\n<p>This example will give you a clearer picture of how the cashback works:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Merchants<\/strong><\/td>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Amount spent<\/strong><\/td>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>30% Cashback<\/strong><\/td>\n<\/tr>\n<tr>\n<td>GrabPay<\/td>\n<td style=\"text-align: center;\">RM30<\/td>\n<td style=\"text-align: center;\">RM9<\/td>\n<\/tr>\n<tr>\n<td>Taobao<\/td>\n<td style=\"text-align: center;\">RM70<\/td>\n<td style=\"text-align: center;\">RM21<\/td>\n<\/tr>\n<tr>\n<td>Other retail spend<\/td>\n<td style=\"text-align: center;\">RM900<\/td>\n<td style=\"text-align: center;\">RM0<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>RM1,000<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>RM30<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Promotion period: 1 May &#8211; 31 December 2021. Terms and conditions apply.<\/em><\/p>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/reduce-monthly-expense-with-standard-chartered-smart-credit-card-1-768x402.jpg?w=640&#038;ssl=1\" alt=\"reduce-monthly-expense-with-standard-chartered-smart-credit-card-1-768x402\" style=\"width: 680px;\" ><br><em>Linking up your Standard Chartered Smart credit card to an e-wallet has added perks \u2013&nbsp; such as RM30 cashback every month.<\/em><\/p>\n<h2>Lower your digital entertainment expenses with RM20 cashback each month<\/h2>\n<p>Saving your Standard Chartered Smart credit card on entertainment apps also comes with additional privileges such as this <strong>6% cashback (capped at RM20) monthly<\/strong> for your favourite streaming, music and video games platforms such as <strong>Astro, JOOX, iQIYI, Netflix, PlayStation, Spotify, and Steam<\/strong>.<\/p>\n<p>Besides unlocking the 30% cashback for online shopping and e-wallet usage (as mentioned above), you\u2019ll also unlock this 6% cashback at the same time when you spend a minimum of RM1,000 in retail purchases every month with your card.<\/p>\n<p>This scenario will give you a clearer picture of how the cashback works:<\/p>\n<table>\n<tbody>\n<tr>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Merchants<\/strong><\/td>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>Amount spent<\/strong><\/td>\n<td style=\"background-color: #176c9b; text-align: center; vertical-align: middle; color: white;\"><strong>6% cashback<\/strong><\/td>\n<\/tr>\n<tr>\n<td>Netflix and Spotify<\/td>\n<td style=\"text-align: center;\">RM80<\/td>\n<td style=\"text-align: center;\">RM4.80<\/td>\n<\/tr>\n<tr>\n<td>Astro<\/td>\n<td style=\"text-align: center;\">RM200<\/td>\n<td style=\"text-align: center;\">RM12<\/td>\n<\/tr>\n<tr>\n<td>Steam<\/td>\n<td style=\"text-align: center;\">RM70<\/td>\n<td style=\"text-align: center;\">RM4.20<\/td>\n<\/tr>\n<tr>\n<td>Other retail spend<\/td>\n<td style=\"text-align: center;\">RM650<\/td>\n<td style=\"text-align: center;\">RM0<\/td>\n<\/tr>\n<tr>\n<td><strong>Total<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>RM1,000<\/strong><\/td>\n<td style=\"text-align: center;\"><strong>&nbsp; RM20<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/reduce-monthly-expense-with-standard-chartered-smart-credit-card-768x402.jpg?w=640&#038;ssl=1\" alt=\"reduce-monthly-expense-with-standard-chartered-smart-credit-card-768x402\" style=\"width: 680px;\" ><br><em>Now you can enjoy up to RM20 cashback per month for your favourite streaming series, music and video games.<\/em><\/p>\n<h2>Additional cashbacks, discounts and savings<\/h2>\n<p>Besides the various platforms mentioned above, you can also enjoy additional benefits and save even more when you use your Standard Chartered Smart credit card.<\/p>\n<h3>Food delivery (#SCFoodieDeals)<\/h3>\n<p>Just link your card to these <a href=\"https:\/\/www.sc.com\/my\/promotions\/online-food-delivery-deals\" target=\"_blank\" rel=\"noopener noreferrer\">apps<\/a>:<\/p>\n<ul>\n<li aria-level=\"1\">foodpanda: <strong>RM8 off<\/strong> when you spend a minimum of RM40 (excluding taxes, packaging\/cutlery charges and delivery fees)<\/li>\n<li aria-level=\"1\">GrabFood: <strong>RM8 voucher<\/strong> for your next order when you spend at least RM50 on the Grab app (excluding delivery fees)<\/li>\n<\/ul>\n<h3>Online shopping (#SCWOWDeals)<\/h3>\n<p>Enjoy these <a href=\"https:\/\/www.sc.com\/my\/promotions\/dailydeals\" target=\"_blank\" rel=\"noopener noreferrer\">shopping perks<\/a>:<\/p>\n<ul>\n<li aria-level=\"1\">Shopee Mondays: <strong>RM20 off<\/strong> when you spend a minimum of RM150 via the Shopee app. Promo Code: SCBMON.<\/li>\n<li aria-level=\"1\">Lazada Tuesdays: <strong>RM20 off<\/strong> when you spend at least RM150 via the Lazada app. Promo Code: SCBTUE.<\/li>\n<li aria-level=\"1\">Taobao Wednesdays: <strong>RM20 off<\/strong> with a minimum spend of RM150 at <a href=\"https:\/\/world.taobao.com\/\">world.taobao.com<\/a>.<\/li>\n<li aria-level=\"1\">Zalora Thursdays: <strong>20% off<\/strong> when you spend at least RM150 via the Zalora app\/website.<\/li>\n<li aria-level=\"1\">Happy Fresh Fridays: <strong>RM20 off<\/strong> when you spend a minimum of RM150 at HappyFresh.<\/li>\n<\/ul>\n<h3>Dining (#SCFoodieDeals)<\/h3>\n<p><a href=\"https:\/\/www.sc.com\/my\/promotions\/diningprivileges\" target=\"_blank\" rel=\"noopener noreferrer\">Dining privileges<\/a> especially for you:<\/p>\n<ul>\n<li aria-level=\"1\">Enjoy <strong>20% cashback<\/strong> when you dine at any of these <a href=\"https:\/\/av.sc.com\/my\/content\/docs\/my-dining-privileges-merchant.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">participating restaurants<\/a>.<\/li>\n<li aria-level=\"1\">Get up to <strong>33% off<\/strong> you when you pay for your meals with the Standard Chartered Smart credit card.<\/li>\n<\/ul>\n<h2>Extra protection when shopping online (USD200 coverage)<\/h2>\n<p>As the Standard Chartered Smart credit card is a Visa card, you can also benefit from the <a href=\"https:\/\/av.sc.com\/my\/content\/docs\/my-visa-mys-e-commerce-purchase-protection-tcs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Visa eCommerce Purchase Protection plan<\/a>. When you make online purchases with this credit card, you\u2019ll be covered for possible losses of up to <strong>USD200 per claim<\/strong> when:<\/p>\n<ul>\n<li aria-level=\"1\">Your purchased item has not been delivered even after 30 days of scheduled delivery<\/li>\n<li aria-level=\"1\">You receive the wrong delivery or an incomplete item<\/li>\n<li aria-level=\"1\">There are physical damages to your item<\/li>\n<\/ul>\n<p><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/reduce-monthly-expense-with-standard-chartered-smart-credit-card-3-768x402.jpg?w=640&#038;ssl=1\" alt=\"reduce-monthly-expense-with-standard-chartered-smart-credit-card-3-768x402\" style=\"width: 680px;\" ><br><em>With the Standard Chartered Smart credit card, you can purchase regular adult GSC cinema tickets for just RM10 daily except Wednesdays.<\/em><\/p>\n<h2>Cheaper GSC movie tickets (RM10 daily except Wednesdays)<\/h2>\n<p>In the near future, when the number of COVID-19 cases have dwindled and we have been vaccinated, you may want to visit the cinema again to experience blockbusters and cinematic wonders. With the Standard Chartered Smart credit card, you can purchase <a href=\"https:\/\/www.sc.com\/my\/promotions\/the-good-life-privileges\/#219605-my\" target=\"_blank\" rel=\"noopener noreferrer\">regular adult tickets<\/a> for just <strong>RM10<\/strong>!<\/p>\n<p><strong>This offer is valid daily except for Wednesdays, and you can enjoy this privilege until 31 December 2021.<\/strong><\/p>\n<p>As you can see, if you use a credit card that suits your needs and lifestyle, you can enjoy discounts, and even cashback to cushion the cost of living. Apply for the <a href=\"https:\/\/www.comparehero.my\/credit-card\/product\/standard-chartered-smart-credit-card\" target=\"_blank\" rel=\"noopener noreferrer\">Standard Chartered Smart credit card<\/a> today and get rewarded with attractive prizes!<\/p>\n<p>You can either enjoy a getaway for <strong>2D1N at DoubleTree by Hilton or claim an RM350 Lazada eVoucher<\/strong>. Guaranteed for every approved applicant.<\/p>\n<center><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/144634072.fs1.hubspotusercontent-eu1.net\/hubfs\/144634072\/assets_comparehero\/standardcharteredsmartcreditcard.png.png?w=300&#038;ssl=1\" alt=\"standardcharteredsmartcreditcard.png\" style=\"width: 300px;\" ><\/center>\n<ul>\n<li>Zero cash advance fees<\/li>\n<li>Malaysia\u2019s first CarbonNeutral\u00ae credit card<\/li>\n<li>30% dining cashback<\/li>\n<li>20% off on online shopping<\/li>\n<li>Exclusive rewards from your favourite e-wallets<\/li>\n<li>Get extra cash with 0% interest rate<\/li>\n<\/ul>\n<p><a style=\"margin-left: auto; margin-right: auto; display: block;\" role=\"button\" href=\"https:\/\/www.comparehero.my\/credit-card\/product\/standard-chartered-smart-credit-card\" target=\"_blank\" rel=\"noopener noreferrer\">CLICK HERE TO APPLY<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have your groceries and daily necessities gotten more expensive lately? After a pandemic-induced decline in prices for 2020, Bank Negara Malaysia (BNM) has announced that headline inflation (which measures the total inflation within an economy, including food and energy prices) will temporarily spike to above 5% in the second quarter of 2021.<\/p>\n","protected":false},"author":268230141,"featured_media":1144,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[433],"tags":[],"class_list":["post-18223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - 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Credit cards do have positive attributes!\u00a0 For example,\u2026","rel":"","context":"In &quot;Debt &amp; Credit Score&quot;","block_context":{"text":"Debt &amp; Credit Score","link":"https:\/\/www.comparehero.my\/blog\/debt-credit-score"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_payyourdebtfast-02-1.png?fit=1201%2C629&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_payyourdebtfast-02-1.png?fit=1201%2C629&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_payyourdebtfast-02-1.png?fit=1201%2C629&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_payyourdebtfast-02-1.png?fit=1201%2C629&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/FI_payyourdebtfast-02-1.png?fit=1201%2C629&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18477,"url":"https:\/\/www.comparehero.my\/blog\/cost-of-living-inflation\/rm1700-minimum-wage-city-youths-still-struggling-forced-to-work-2-jobs-to-survive.html","url_meta":{"origin":18223,"position":5},"title":"RM1,700 Minimum Wage? 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A survey by Utusan Malaysia found that a large number of workers have had to drastically change their lifestyles,\u2026","rel":"","context":"In &quot;Cost of Living &amp; Inflation&quot;","block_context":{"text":"Cost of Living &amp; Inflation","link":"https:\/\/www.comparehero.my\/blog\/cost-of-living-inflation"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Rakyat-Kosmo-1.jpg?fit=1200%2C776&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Rakyat-Kosmo-1.jpg?fit=1200%2C776&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Rakyat-Kosmo-1.jpg?fit=1200%2C776&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Rakyat-Kosmo-1.jpg?fit=1200%2C776&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Rakyat-Kosmo-1.jpg?fit=1200%2C776&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/Feature-Image-2.jpg?fit=1200%2C628&ssl=1","_links":{"self":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/users\/268230141"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/comments?post=18223"}],"version-history":[{"count":1,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18223\/revisions"}],"predecessor-version":[{"id":57091,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/posts\/18223\/revisions\/57091"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media\/1144"}],"wp:attachment":[{"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/media?parent=18223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/categories?post=18223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.comparehero.my\/blog\/wp-json\/wp\/v2\/tags?post=18223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}