Standard Chartered WorldMiles World Mastercard® by Standard Chartered

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Earn	Spent In
3x WorldMiles Per RM 2	Overseas transactions
1x WorldMiles Per RM 3	Local transactions

Convert	Redeem
2 WorldMiles	1 Air Mile*

*Enrich Miles (MAS) / KrisFlyer Miles (Singapore Airlines) / Asia Miles /AirAsia BIG

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

Pay Over	With Interest Rate At	When You Spend
12 Months	7.88% p.a. with no one-time upfront handling fee	From RM 500

Annual Fee For Primary Card	RM 600
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
Cash Withdrawal Fee	RM 25 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals	18% p.a.

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

Minimum Annual Income	RM 90,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old
Who Can Apply	Anyone