Standard Chartered
Standard Chartered Visa Platinum Card

Standard Chartered Visa Platinum Card

RM 3,000

Minimum monthly income

RM 120

Annual fee


Interest rate p.a


Balance transfer rate (fixed)

Special Offers

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*Terms & conditions apply, learn more here:

Product details


Automatic Balance Conversion

Outstanding credit card balances are automatically converted at a lower interest rate every 12 months

Lower effective interest rate at 13% per annum

No processing and termination fee for early settlement

Flexibility to opt out from automatic conversions

Live the Good Life

Offers and privileges exclusive to Standard Chartered credit card holders

Over 4000 outlets in Malaysia and across Asia

Samsung Pay

Ease of using Standard Chartered credit card via Samsung Pay

Security of transaction using encrypted digital token to replace personal payment information

Flexipay Plus

Convert purchases RM500 and above into instalment plans at low interest rates

Repayment periods range between 6 to 18 months

Cheque On Call Plus

Advance cash at a fixed interest rate of 9.88% p.a.

Repayment periods range from 12 to 60 months

No supporting documents required

Balance Transfer Plus

Balance transfer at low fixed interest rate of 5.99% p.a

Repayment periods range from 12 to 36 months

No supporting documents required

Emergency Overseas Card Replacement

Replacement card for lost or stolen cards sent to customers simply through a call to Standard Chartered.

Good for Rewards/Offers
10x 360' Rewards Points for online spends at Lazada, Shopee, Taobao, ZALORA, Boost, Grab and Fave
10x 360' Rewards Points for groceries spend
5x 360' Rewards Points for dining, department store purchases and overseas spend
1X 360' Rewards Points for Other spend
5,000 Bonus Points every month with RM1,500 min. Retail spend
Minimum monthly income RM 3,000
Minimum age:
Cardholder 21
Supplementary Cardholder 18
Fees & Charges
Annual fee RM 120
Annual fee is waived for the first 2 years, subsequent years waived with minimum spend of RM12,000 per annum.
Annual fee waiver No
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

The Standard Chartered Visa Platinum credit card is one of the highest rewards credit cards, especially if you love dining out and shopping at department stores. You can earn up to 5x points when you spend a minimum of RM1,500 monthly.

Standard Chartered 360° Rewards Credit Card

Category Reward Points


For every RM1 spent, you earn 5x points


For every RM1 spent at selected department stores, you earn 5x points


For every RM1 spent overseas, you earn 5x points


For every RM1 spent at selected stores, you earn 5x points

That’s not all! There are more rewards and bonus points with the Visa Platinum Card:

  • Earn up to 10,000 reward points when you make online purchases from Lazada, Fave, Shopee, Grab, Taobao, Boost and ZALORA
  • Obtain 5,000 reward points as a bonus every month provided you spend a minimum of RM1,500 or more
  • Receive 1x reward point for anything you spend locally

What can you redeem with the reward points?

Some of the items you can redeem with your accumulated points including but not limited to are:

Points Reward Redemptions

20,000 Points and Above

Travel Items (eg. travel pouch, lock, and luggage tag)

50,000 Points and Above

Bags (eg. foldable travel bag, laptop or school bag)

Minimum Monthly Repayment

5% out of the outstanding balance or a minimum of RM50

150,000 Points and Above

Luggage Bag, smartphones

However, do take note that the items will only be redeemable provided there is stock during the time of redemption.

More than just a reward credit card

Other than rewards, enjoy exclusive 1-on-1 dining deals when you dine in at over 200 selected restaurants, cafes and bars by using The Entertainer (MY) App. This would benefit those that love to dine out other than the comfort of their own homes.

What are the Visa Platinum Credit Card requirements?

To apply for the Visa Platinum credit card, you would have to be earning with a minimum annual income of RM36,000. The minimum age requirement would be 21 years old to 65 years old. If you are 18 years old, you can apply for the supplementary card.

  • Click here to read Standard Chartered Visa Platinum Card Terms and Conditions
  • Click here to read Standard Chartered Visa Platinum Card Product Disclosure Sheet

Can't find what you're looking for? Read our article to find out the Best Standard Chartered Credit Cards in Malaysia.


You can apply and submit your application online with us at CompareHero with just a few simple steps to follow. If you have other inquiries, feel free to contact our hotline at +6012-3850211 or send us a message via WhatsApp.

The best part of this credit card is there are no annual fees. If you settle your repayment within 12 months in a row, the interest rate is 15%. If you make the repayment for at least 10 out of 12 months, you are charged with the interest rate of 17%. Otherwise, you will be charged 18% interest rate. Late payment charges will be RM10 or 1% of the total outstanding amount with a maximum cap of RM100.

To be eligible for this card, you have to be at least 21 years old with an annual income of RM36,000 or RM3,000 a month. However, if you are 18 years old, you can apply for the supplementary card.

  • Earn up to 5x reward points for dining, shopping and international travel purchases
  • Earn up to 10x reward points for online purchases from Lazada, Shopee, Taobao, ZALORA, Boost, Grab and Fave
  • Get 10x points for Groceries Spend at Jaya Grocer, Village Grocer, Ben's Independent Grocer, Tesco and AEON
  • Enjoy exclusive deals and discounts for 1-on-1 dining at over 200 eateries 
  • No annual fee 
  • Receive 5,000 bonus reward points every month when you spend RM1,500 or above.

If you dine out regularly and enjoy shopping at department stores, the Visa Platinum Card would be your best choice, especially with the 1-on-1 dining deals when you dine at over 2000 restaurants, cafes and clubs. Aside from that, if your monthly spending consists of things other than groceries and petrol, the Visa Platinum credit card would earn you much better rewards.

The minimum reward points you would have to accumulate would be at least 20,000 in order to start redeeming the eligible items. 

Standard Chartered Visa Platinum Card
Standard Chartered Visa Platinum Card
Apply now