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  • Standard Chartered FlexiPay Plus

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    With Standard Chartered Bank’s FlexiPay Plus option, you can convert all your retail spends into fixed instalments that you can afford to pay every month. You even get the flexibility to pay what you owe over the course of 12 months at a low interest rate.

    Features of Standard Chartered FlexiPay Plus

    Repayment Period Interest Rate (p.a.) Minimum Purchase Amount
    12 months 7.88% RM500


    • Convert your purchases into monthly instalments.
    • Affordable instalment amount.
    • Repayment tenure of up to 12 months.
    • Low interest rates.


    • Must be applied via online banking channel alone.
    • Must spend a minimum of RM500 or more in a single receipt.

    List of Credit Cards Featuring Standard Chartered FlexiPay Plus

    Credit Card
    Key Benefits
    Interest Rate
    Annual Fee
    Know More

    Earn five 360? Rewards Points when you spend every RM1 overseas.

    Earn one 360? Rewards Point on every RM1 spent on dining, electronics, fashion and home in Malaysia.

    15% p.a. - 18% p.a.

    Waived for the first two years.

    Get unlimited access to Plaza Premium Lounge in Kuala Lumpur International Airport.

    15% p.a. - 18% p.a.

    Waived for the first year.

    Get 5,000 bonus points every month when you spend RM1,500 or more.

    Earn 5 points on every ringgit spent on dining, overseas spends and departmental store purchases.

    15% p.a. - 18% p.a.

    Free for life.

    Get cashback up to 15% every month when you spend on petrol, online purchases, auto-bill payment and other daily spends.

    15% p.a. - 18% p.a.

    Waived for the first year.

    Earn cashback up to 5% of your total spend every month.

    15% p.a. - 18% p.a.

    Waived for the first year.

    Earn 1 point on every RM1 spent.

    15% p.a. - 18% p.a.

    Free for life.

    How Does Standard Chartered FlexiPay Plus Work?

    • Spend a minimum amount of RM500 or more done as a single transaction.
    • Enroll the transaction for FlexiPay Plus through Standard Chartered’s online banking channel.
    • Get an interest rate of 7.88% p.a. on a repayment tenure of 12 months.
    • The bank will combine your existing credit card account with a PLC account that has a unique serial number.
    • The instalment amount will be debited from your PLC account every month.

    How Do You Apply for the Standard Chartered FlexiPay Plus Facility?

    1. Log into your online banking account.
    2. In the Overview page, click on the credit card you have out of the available options.
    3. Select the transaction you wish to convert into FlexiPay Plus scheme.
    4. Submit your application.

    The Standard Chartered FlexiPay Plus option can be a great payment alternative when you’re short of money for big retail spends. Whether you need to shop for designer clothing or buy the latest smartphone, you can now afford it easily by way of monthly instalments.

    FAQs on Standard Chartered FlexiPay Plus Facility

    Q. When can I apply for the FlexiPay Plus scheme?

    A. You must apply for the scheme within a month from the date of transaction.

    Q. Which transactions are not eligible to get the benefits of the campaign?

    A. The transactions that are not eligible to get the benefits of the campaign are:

    • Annual fees.
    • Cash advances.
    • Carry forward balances.
    • Instalments payable under other schemes such as balance transfer, Flexi-On-Balance, EPS and others.
    • Other fees and charges.

    Q. Can I get the benefits of FlexiPay Plus on multiple transactions?

    A. Yes. You can apply for the FlexiPay Plus facility multiple times depending on the number of eligible transactions.

    Q. What happens if I miss paying the monthly instalment in full by the due date?

    A. If you miss paying the monthly instalment by the due date or in full, you have to make the minimum payment of 5% of the outstanding balance or RM50, whichever is higher. Further, the standard finance charges will be applicable to the outstanding balance of the instalment amount.

    Q. What criteria does the bank follow to approve the FlexiPay Plus application?

    A. The bank verifies the following two criteria before approving your application:

    1. The credit card account status.
    2. The transaction status.
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