Standard Chartered Smart Credit Card

Apply for Standard Chartered Smart Credit Card by Standard Chartered

Crafted for the generation who is redefining what it means to be smart.

Standard Chartered Smart Credit Card

Product Highlights

Cash back
Monthly Cash Back

Elevate your digital lifestyle with up to RM100 Cashback each month. Receive up to RM500 Cashback when you apply online and spend with your credit card.

Cash advance
Get Access to Cash

Get up to RM15,000 in quick cash at 0% interest rate with Cheque-On-Call Plus when you apply and spend

Features

Cash Back

Cash back
Cash Back Category Cash Back Rate Monthly Cap Spend
E-commerce and online spends 30% RM 80 Any amount monthly
Online dining 30% RM 80 From RM 100 and above montly
Digital lifestyle 6% RM 80 From RM 1,000 and above monthly

 

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
12 Months 5.99% p.a. with no one-time upfront handling fee From RM 1,000
18 Months 5.99% p.a. with no one-time upfront handling fee From RM 1,000
24 Months 5.99% p.a. with no one-time upfront handling fee From RM 1,000
36 Months 5.99% p.a. with no one-time upfront handling fee From RM 1,000

Flexi Pay Plus

36 months
Pay Over With Interest Rate At When You Spend
6 Months 9.88% p.a. and no one-time upfront handling fee From RM 500
9 Months 9.88% p.a. and no one-time upfront handling fee From RM 500
12 Months 9.88% p.a. and no one-time upfront handling fee From RM 500
18 Months 9.88% p.a. and no one-time upfront handling fee From RM 500

Fees and Charges

Annual Fee For Primary Card RM 120*
Annual Fee For Supplementary Card Free
Minimum Monthly Payment RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Interest Rate On Cash Withdrawals 18% p.a.

*First year waived. Subsequent years waived when you spend a minimum of RM 12,000 p.a.

Interest Rate

15% Per Annum Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income RM 36,000
Minimum Age For Primary Card 21 to 65 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Anyone