
Standard Chartered Smart Credit Card
Buy now, pay later with 0% interest instalment plan over 3 months!

Buy now, pay later with 0% interest instalment plan over 3 months!
Buy your hearts desires with Buy Now, Pay Later
Enjoy 0% interest on a 3-month installment plan!
Zero cash advance fees
Access to fast, convenient cash and enjoy worry-free spending all year-round.
Indulge in 15% cashback at selected online merchants
Unleash your inner shopper with 15% cashback at participating merchants.
Enjoy 6% cashback on contactless transactions
Enhance your digital lifestyle with a 6% cashback on digital lifestyle spends and contactless transactions.
Get extra cash with 0% interest rate
Enjoy quick cash up to RM15,000 at 0% interest rate with Cheque-On-Call Plus when you apply for Smart credit card.
Minimum monthly income | RM 3,000 |
Minimum age: | |
Cardholder | 21 |
Supplementary Cardholder | 18 |
Annual fee | RM 120 | waived in first year, subsequent years waived with minimum spend of RM12,000 |
Annual fee waiver | Yes | waived in first year, subsequent years waived with minimum spend of RM12,000 |
Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
Interest rate | 15% | 15% interest P.A. are for cardmembers who promptly settle their min payment due for 12 consecutive months, with a max cap of 18% interest dependent on customer payment behaviour. |
Balance transfer rate (fixed) | 5.99% | 12 months Balance Transfer period and no one-time upfront handling fee from RM1,000 |
Annual fee | RM 120 waived in first year, subsequent years waived with minimum spend of RM12,000 |
Annual fee waiver | Yes waived in first year, subsequent years waived with minimum spend of RM12,000 |
Late payment fee | RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
Interest rate | 15% 15% interest P.A. are for cardmembers who promptly settle their min payment due for 12 consecutive months, with a max cap of 18% interest dependent on customer payment behaviour. |
Balance transfer rate (fixed) | 5.99% 12 months Balance Transfer period and no one-time upfront handling fee from RM1,000 |
You will need to provide several documents such as (varies between different banks):
Salaried Employees:
Business Owners:
Do you regularly spend your time online on digital channels or shop online on e-Commerce stores? Whether it is listening to music or watching TV shows online, the Standard Chartered Smart Credit Card empowers your digital lifestyle with cashback bonuses every month!
This card comes with a 0% installment plan for 3 months, enabling you to get emergency purchases, a fancy gift for a loved one or to just splurge on yourself even when you are a bit tight on cash.
You will be entitled to earn 6% cashback, with a maximum cap of RM20 every month for your digital spending as long as you spend up to RM 1,000 a month.
Enjoy a smooth, easy process when you apply for the Standard Chartered Smart Credit Card with us! We offer a simple process when you apply on our website. Alternatively, you can also contact us at +6012-385 0211 where our customer service will help you to process your application.
Cardholders are required to have a minimum monthly income of RM3,000 or RM36,000 annually. To apply for the principal card, your minimum age would have to be at least 21 years old and above. But if you are below 21 years old, that’s okay too! You can apply for the supplementary card if you are at least 18 years old and above.
For the Standard Chartered Smart Credit Card, there is an annual fee of RM120 for the principal card, but for supplementary cardholders, there is no annual fee.
Note: For the first year, the annual fee will be waived, as long as you have a minimum spending of RM12,000 annually.
With the Standard Chartered Smart Credit Card, there is a sales and service tax applied to principal and supplementary cardholders, which is RM25. There is also a late payment fee if you fail to pay the minimum monthly repayment, which is 5% or RM50 from the total amount overdue, depending on which is higher. The late payment fee is 1% or RM10 from the total amount overdue. 15% interest rate will be charged for cardmembers who settle their minimum payment due for 12 consecutive months, with a max cap of 18% interest rate, depending on customer payment behaviour.
For frequent online shoppers and food enthusiasts, you would benefit from the Standard Chartered Smart Credit Card. Aside from that, if you are a regular user of several online subscriptions such as Netflix or Spotify, you can charge it to your credit card and earn some cash back in return.