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
Make date night even more special when you apply for any Standard Chartered Credit Card via CompareHero. Choose from a Russell Taylors Air Fryer or RM200 Touch 'n Go eWallet credits as your GUARANTEED gift.
Product details
Product details
Benefits
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.
Features
Good for Cashback
0% Buy Now, Pay Later over 3 months
Up to 15% Cashback at selected online merchants (Boost, GrabPay, Lazada, Shopee, and Touch ‘n’ Go e-wallet)
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:
- 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 
Product review by 
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 to just splurge on yourself even when you are a bit tight on cash.
Receive cashback with digital lifestyle spends
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.
FAQs
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.
- Up to 15% Cashback at selected online merchants (Boost, GrabPay, Lazada, Shopee, and Touch ‘n’ Go e-wallet)
- 6% Cashback on selected digital lifestyle spend at Netflix, Spotify, PlayStation, Steam, Astro, Joox, iQIYI
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.
