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Standard Chartered Smart Credit Card
![Standard Chartered Smart Credit Card](https://144634072.fs1.hubspotusercontent-eu1.net/hubfs/144634072/contentstack_assets/SC_Card_Smart.png?auto=webp&quality=70&width=300)
Buy your heart's desires with Buy Now, Pay Later
Enjoy 0% interest on a 3-month installment plan!
RM1 deals with participating merchants via Live The Good Life program
Enjoy RM1 deals at ZUS Coffee, The Inside Scoop and other merchants!
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.
Flexible credit lines
Improve cash flow with Standard Chartered's Easy-Payment-Scheme, Automatic Balance Conversion, Flexi-On-Balance-Plus, Credit Card Limit Increase and many more.
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 annual spend of RM12,000 |
Annual fee waiver | Yes | waived in first year, subsequent years waived with minimum annual 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) | 3.99% | Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
Annual fee |
RM 120 waived in first year, subsequent years waived with minimum annual spend of RM12,000 |
Annual fee waiver |
Yes waived in first year, subsequent years waived with minimum annual 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) |
3.99% Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Private Fixed Income and Government):
Salaried Employees (Commission earner)
Business Owners:
For existing Standard Chartered credit cardholders:
Only update your documents if you've recently had a change in your salary.
Note:
Effective 13 May 2024, please ensure that "Akaun 3" is shown in the downloaded EPF statement.
Do you regularly spend time online on digital channels or shop in 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 make emergency purchases, a fancy gift for a loved one or just splurge on yourself.
From now until 31 July 2024, stand to win 2x slots to the marathon including a 4-day 3-night hotel stay, plus 2x return flight tickets, brought to you exclusively by Standard Chartered.
As set by Standard Chartered, you could get entries by fulfilling the application/transaction criteria of the bank's products/services. T&Cs apply!
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. Redeem your cashback for gifts or have it credited back to your credit card account.