Standard Chartered Platinum MasterCard Basic
Standard Chartered Platinum Mastercard Basic offers lifetime zero annual fees, essential cashless convenience, and flexible reward points on your spend.
Eligibility
Minimum Monthly Income
RM 8,000 (RM 96,000 annually)
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 18 years old
Resident Status
Any Business
Documents required to apply
You will need to provide several documents such as (varies between different banks):
- A copy of your IC (both sides)
- Latest EPF statement (minimum 6 months – 2 years contribution)
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for life
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Turn your daily cashless transactions into long-term value. The Standard Chartered Platinum Mastercard Basic offers a reliable rewards framework by awarding 1x 360° Rewards Point for every RM1 you spend. As a cardholder, you can save your points for up to three years to redeem versatile rewards catalog prizes, vouchers, or experiential perks. Beyond standard point redemptions, this card opens the door to automated lifestyle savings with access to The Good Life Privileges, granting you year-round dining deals, retail discounts, and travel benefits across the region.
Standard Chartered FlexiPay Plus
Keep your monthly cash flow fluid and predictable. The Standard Chartered FlexiPay Plus plan lets you convert any single retail purchase of RM500 or more into easy monthly instalments spanning up to 60 months. Because this feature is handled entirely by the bank, you have the ultimate freedom to shop at any retail outlet or digital store worldwide without relying on specific merchant promotions. Simply open your SC Mobile App after making a qualifying purchase to request a conversion, subject to your account's available credit limit and internal bank approvals.
Modernize your daily transactions with seamless mobile wallet integration. You can easily connect your Standard Chartered Platinum Mastercard Basic to Apple Pay, Google Pay, or Samsung Pay to enjoy quick, secure, and contactless payments anywhere. Your everyday spending is highly rewarded through "The Good Life" program, featuring exclusive all-year privileges like RM1 deals on your favorite treats, including special discounts at ZUS Coffee and Inside Scoop. Additionally, you can effortlessly manage your personal cash flow by tapping into the bank's flexible credit facilities. Access quick liquidity directly through the SC Mobile App with Cash-On-Call Plus, or break up larger retail expenditures into interest-free instalments with the Easy Payment Scheme.