Standard Chartered
Standard Chartered Smart Credit Card

Standard Chartered Smart Credit Card

Earn up to 30% cashback on e-commerce purchases

RM 3,000

Minimum monthly income

RM 120

Annual fee
waived in first year

15%

Interest rate p.a

5.99%

Balance transfer rate (fixed)

Special Offers

Upgrade your entertainment experience with a HUAWEI Bundle inclusive of the HUAWEI MatePad T 10s and HUAWEI FreeBuds Pro OR Apple iPad 10.2" 32GB when you apply for a Standard Chartered Credit Card.

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*Terms & conditions apply, learn more here: bit.ly/CHCCFlashDeal

Product details

Benefits

Zero cash advance fees
Access to fast, convenient cash and enjoy worry-free spending all year-round. 

Malaysia’s first CarbonNeutral® credit card
Support a sustainable future with this CarbonNeutral card. We’ve calculated & offset all the emissions associated with the physical card production process.

Indulge in 30% dining cashback
Unleash your inner foodie with 30% cashback and up to 20% off at participating restaurants.

Enjoy 20% off on online shopping
Treat yourself to weekday online shopping deals with 20% discount from your favourite online stores at Lazada, PrestoMall, Shopee, Superbuy, Zalora

Get rewarded from your favourite e-wallets
Enjoy exclusive offers and rewards when you top-up and spend with your favourite e-wallets for Boost, Fave, Grab

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.

Features
Good for Cashback
30% Cashback for e-commerce spend on Lazada, Shopee, Touch’ N Go eWallet, Boost, GrabPay, Boost, Taobao, FavePay, and Zalora
6% Cashback for digital lifestyle spend at Netflix, Spotify, PlayStation, Steam, Astro, Joox, iQIYI
30% dining cashback and up to 20% off at participating restaurants
20% discount for online shopping at online stores: Lazada, PrestoMall, Shopee, Superbuy, Zalora
Eligibility
Minimum monthly incomeRM 3,000
Minimum age:
Cardholder21
Supplementary Cardholder18
Fees & Charges
Annual fee RM 120
waived in first year
Annual fee waiver Yes
waived in first year
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 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
Document required to apply

You will need to provide several documents such as (varies between different banks):

Salaried Employees:

  • Photo of MyKad (front / back)
  • Proof of Income, such as:
  • - Latest detailed EPF statement 
  • - Latest 3 months salary slip
  • - Full set of Form BE/B with tax receipt

Business Owners:

  • Photo of MyKad (front / back)
  • Full set of Form BE/B with tax receipt

Product review by CompareHero.my

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 enables you to receive RM50 cashback every month! Aside from that, if you are a foodie who loves to dine out or order in, enjoy cashback and discounts for your favourite restaurants such as An Viet, Dragon-i and Madam Kwan’s, valid for only until the 31st December 2020.


Receive cashback with digital lifestyle & e-commerce spends

With a duration of initial 6 months, you will be entitled to earn 30% cashback, with a maximum cap of RM80 every month for your digital spending and e-commerce purchases.


How does the 30% cashback work?

The campaign offers a maximum cap of RM450,000 on a first come first serve basis. This only applies from 1st May 2020 to 31st December 2021.

Category

Cashback Earned

E-wallet
Participating Merchants: GrabPay, Boost & Touch ‘n Go

30% cashback with a maximum cap of RM30

Online Shopping (E-commerce)

Participating Merchants: Zalora, Lazada & Shopee

30% cashback with a maximum cap of RM30

For the remaining RM20, you are able to earn 6% cashback as long as you spend a monthly minimum of RM1,000 for your retail purchases on selected merchants (Playstation, Steam, Joox, Astro, iQIYI, Spotify, Netflix).


Read the Smart Credit Card 30% Cashback Campaign Terms & Condition here.


Indulge in a food feast for up to 50% OFF

With the Standard Chartered Smart Credit Card, enjoy up to 30% OFF when you swipe your card at selected restaurants. Not only that, if you order your food online, you also get to receive up to 50% OFF from your total bill.


Gain 30% cashback for your favourite meals

If the discount wasn’t enough, you also get to receive 30% cashback when you swipe your Standard Chartered Smart Credit Card at selected restaurants. If you regularly order your favourite food online, you are entitled to 30% cashback as well. 

  • Click here for the complete list of participating merchants for dine-in
  • Click here for the complete list of participating online merchants
  • Click here to read Standard Chartered Smart Credit Card Terms and Conditions
  • Click here to read Standard Chartered Smart Credit Card Product Disclosure Sheet

FAQs

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.

  • 30% cashback for e-commerce spend on Lazada, Shopee, Touch’ N Go eWallet, Boost, GrabPay, Boost, Taobao, FavePay, and Zalora
  • 6% Cashback for digital lifestyle spend at Netflix, Spotify, PlayStation, Steam, Astro, Joox, iQIYI
  • GSC movie ticket offers - RM10 for normal adult tickets daily except Wednesdays till 31 Dec 2021. 

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.

Standard Chartered Smart Credit Card
Standard Chartered Smart Credit Card
Apply now