Standard Chartered Smart Credit Card
Buy now, pay later with 0% interest instalment plan over 3 months!
Standard Chartered Smart Credit Card
Buy now, pay later with 0% interest instalment plan over 3 months!
RM 3,000
Minimum monthly income
RM 120
Annual fee
waived in first year, subsequent years waived with minimum spend of RM12,000
15%
Interest rate p.a
5.99%
Balance transfer rate (fixed)
Special Offers
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Product details
Product details
Benefits
Buy your heart's 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.
Enjoy 6% cashback on digital lifestyle transactions
Enhance your digital lifestyle with a 6% cashback on digital lifestyle spend.
Get extra cash at low interest rates
Enjoy extra cash from RM1,000 up to 100% of your available credit limit at low interest rates with Cash-On-Call Plus when you apply for a Standard Chartered Smart Credit Card.
Features
Good for Cashback
0% Buy Now, Pay Later over 3 months for purchases above RM500
Up to 6% Cashback on selected Digital Lifestyle spend (Astro, Joox, iQIYI, Netflix, Playstation, Spotify & Steam)
Annual Fee waiver for the first year (subsequent years will be waived with minimum spend of RM12,000 per year)
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| 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 |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Private Fixed Income and Government):
- Photo of NRIC (front / back)
- Proof of Income, such as:
- Latest detailed EPF statement (minimum of 6 months)
- Latest 3 months salary slip (and 3 bank statements for government employees)
- Borang BE with LHDN Acknowledgement Receipt
Salaried Employees (Commission earner)
- Photo of NRIC (front / back)
- Proof of Income, such as:
- Latest detailed EPF statement (minimum of 6 months)
- Latest 6 months salary slip / commission statement
- Borang BE with LHDN Acknowledgement Receipt
Salaried Employees (Employed in Singapore - fixed and commission earner):
- Photo of NRIC (front / back)
- Proof of Income, such as:
- Latest 3 months salary slip (3 bank statements if required)
- 6 months payslips / commission statement
- Latest 6 months CPF Contribution history statement or latest income tax notice of assessment
Business Owners:
- Photo of NRIC (front / back)
- Borang B/BE with LHDN Acknowledgement Receipt
- SSM for Sole Proprietor/ Partnership / Private Limited Co. for businesses that have been active for 2 years
For existing Standard Chartered credit cardholders:
Only update your documents if you've recently had a change in your salary
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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!
Fulfill your needs with Buy Now, Spend Later
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 just splurge on yourself.
Receive cashback on digital lifestyle spend
You will be entitled to earn up to 6% cashback, with a maximum cap of RM20 every month for your digital spending as long as you spend up to RM 1,000 retail spend a month.
