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    Standard Chartered Credit Card

    Standard Chartered Bank Malaysia Berhad offers around 6 different credit cards with multiple features such as reward points, cashback, low-interest payment plans, balance transfer plans and 3D secure facility, allowing you to carry out transactions safely whilst being rewarded with every purchase charged to the card. These cards offer various lifestyle benefits such as discounts on shopping, travel, dining and other privileges.

    Benefits of Standard Chartered Credit Cards

    • Earn reward points on your local and overseas retail purchases.
    • Get exclusive discounts on shopping, dining, travel, entertainment and lifestyle purchases.
    • Earn cashback on your daily expenses and purchases.
    • Convert your card purchases into an easy-instalment plan with low-interest rates.
    • Get extra cash from your card at a low-interest rate.
    • Transfer your outstanding card balance to a low-interest rate plan.
    • Earn WorldMiles on your local and overseas expenses.
    • Pay securely through a safe and widely-accepted payment mode.

    Why Choose Standard Chartered Credit Card?

    Standard Chartered Bank has an international presence and their credit cards are accepted globally. You will get various travel credit cards that offer great discounts on concierge, flight tickets, etc. You can also earn air miles that can be redeemed at selected airlines. You can earn cashback on the amount spent on the card. You can also transfer the balance from another credit card to Standard Chartered Credit Card at a low-interest rate. The high ticket items can be converted to easy monthly payment plans.

     Types of cards offerd by Standard Chartered bank

    Card Name
    Ideal For
    Key Benefits
    Minimum Spend Amount
    Annual Fee
    Minimum Annual Income
    Interest Rate
    Know More
    Cashback Gold Mastercard

    Cashback

    Up to 5% cashback on local and overseas retail transactions excluding insurance transactions and any transactions at petrol stations

    RM1,500 per month

    RM185.5

    Waived for the first year

    RM24,000

    15% to 18% p.a.

    Gold Mastercard

    Rewards

    1 rewards point for every RM1 spent on local and overseas transactions except petrol transactions

    -

    Waived for life

    RM24,000

    15% to 18% p.a.

    JustOne Platinum Mastercard

    Cashback

    Up to 15% cashback on all auto bills, petrol and e-commerce transactions

    Up to 0.2% cashback on other retail transactions

    RM2,500 per month

    RM265

    Waived for the first year

    RM24,000

    15% to 18% p.a.

    Priority Banking Visa Infinite

    Rewards

    5x rewards points for every RM1 spent on overseas transactions

    1x rewards point for every RM1 spent on local transactions

    -

    RM848

    Waived for the first 2 years

    Waived for subsequent years with a minimum spend of RM10,000 each year

    RM250,000 of Assets Under Management per month, on the last day of the month

    15% to 18% p.a.

    Visa Platinum

    Rewards

    5x rewards points for online, dining, departmental stores, and overseas transactions

    1x rewards point for other retail transactions

    RM1,500 per month

    Waived for life

    RM24,000

    15% to 18% p.a.

    WorldMiles Mastercard

    Travel

    3 WorldMiles for every RM2 spent on overseas transactions

    1 WorldMile for every RM3 spent on local transactions

    -

    <pRM636

    RM90,000

    15% to 18% p.a.

    Best Rewards Credit Card: Visa Platinum

    • 5x rewards points for online, dining, overseas, and departmental store transactions.
    • 1x rewards point for all other local retail transactions.
    • 5,000 bonus rewards points on minimum spend of RM1,500 each month.
    • No annual fee for life.

    Best Cashback Credit Card: Cashback Gold Mastercard

    • Up to 5% cashback on local and overseas retail transactions.
    • Minimum spend of RM1,500 each month.
    • Annual fee waived for the first year.

    Best Travel Credit Card: WorldMiles Mastercard

    • 3 WorldMiles for every RM2 spent on overseas transactions
    • 1 WorldMile for every RM3 spent on local transactions.
    • Annual fee waived off for a minimum spend of RM60,000 per year.
    • Unlimited access to Plaza Premium Lounges at KLIA and KLIA2.

    Rewards Programmes

    360 Programme

    360 Program is a rewards programme that offers bonus points for every RM1 spent on various transactions. You can accumulate your bonus points and redeem them for various rewards such as travel coupons, household appliances or gadgets.

    Check the rewards catalogue to find out the redemption rate and the available rewards. These rewards points are valid only for 3 years.

    Good Life Programme

    The Good Life programme (TGL) offers best-in-class privileges and benefits at popular establishments across the globe. Use your credit card at any of the participating merchants of TGL program to enjoy exclusive privileges.

    Check the bank website to find the list of TGL participating merchants and exclusive privileges offered via this programme.

    Promotions 2018

    • Get an exclusive gift voucher worth HDK100 along with a holiday package deal at Hong Kong if you purchase 1-day or 2-day tickets to Hong Kong Disneyland. This promotion is ongoing until 30 June 2018.
    • Enjoy up to 12% discount on hotel bookings for a minimum spend of RM1,500 on your Priority Banking Visa Infinite, Visa Platinum and WorldMiles Mastercard. This promotion is ongoing until 31 December 2018.
    • Enjoy up to 15% discount on food and beverages at 2PM, G Hotel Kelawai using any Standard Chartered Visa or Mastercard. This promotion is ongoing until 31 December 2018.

    Payment Plans

    Flexipay Plus

    • Convert your card purchases to an instalment plan at a low interest-rate of 7.88% p.a.
    • The minimum amount of any purchase must be RM500.
    • The repayment period is 12 months.
    • Apply for Flexipay Plus through online banking.
    • Convert the purchase into Flexipay Plus within one month from the transaction date.

    Flexi-On-Balance Plus

    • Convert your outstanding balance on credit card into an instalment plan.
    • The minimum amount to convert is RM500.
    • Choose from a repayment period of 6, 9, 12 or 18 months.
    • Specify the conversion amount in your application.
    • Withdraw extra cash on your card at a low-interest rate of 9.88% p.a.
    • Choose from a flexible repayment period of 12, 18, 24, 36, 48 or 60 months.
    • Apply up to 100% of your credit limit. Approval is based on bank’s discretion.
    • Minimum amount to apply is RM1,000.
    • Pay a one-time cash advance fee of 2% of total amount when withdrawing RM1,000 up to RM9,999.
    • Repay the total amount in equal monthly instalments.

    Balance Transfer Plans

    Balance Transfer Plus

    • Repayment period is 12, 18, 24 or 36 months.
    • Minimum payment is the full monthly instalment amount.
    • Outstanding balance is the sum of outstanding principal and monthly payable interest for the selected term.

    How To?

    • Consolidate all your outstanding balance on cards and switch over to a low-interest plan.
    • Enjoy a low fixed-interest rate of 5.99% p.a.
    • Register for balance transfer without the need of presenting any supporting documents.
    • Minimum amount of transfer is RM1,000

    Balance Transfer Plus is allowed only on Cashback Gold Mastercard, JustOne Platinum Mastercard, Priority Banking Visa Infinite and Visa Platinum.

    Insurance Plans

    Travel Insurance

    • This is offered only for Priority Banking Visa Infinite cards.
    • Enjoy complimentary travel insurance up to RM50,000 for those aged below 70 years and up to RM25,000 for those aged 70 years and above.
    • The policy provides purchase protection of up to RM10,000.
    • The policy provides travel assistance services with a cover of up to RM100,000.

    Eligibility Criteria

    Age

    • Principal Cardholder: 21 years to 65 years
    • Supplementary Cardholder: 18 years to 65 years

    Annual Income:

    • Cashback Gold Mastercard: RM24,000
    • Gold Mastercard: RM24,000
    • JustOne Platinum Mastercard: RM24,000
    • Priority Banking Visa Infinite: RM250,000 of Assets Under Management per month
    • Visa Platinum: RM24,000
    • WorldMiles Mastercard: RM90,000

    Required Documents

    Employed:

    • Copy of NRIC (front and back)
    • Latest Salary Slip (1 month) and Latest Bank Statement (1 month) or
    • Latest EPF Statement or
    • Latest Borang BE (submitted fully to LHDN)

    Commission Earners

    • Copy of NRIC (front and back)
    • Latest Salary Slip (6 months) and Latest Bank Statement (6 months) or
    • Latest EPF Statement or
    • Latest Borang BE (submitted fully to LHDN)

    Self Employed

    • Copy of NRIC (front and back)
    • Latest Bank Statement (6 months) and Business Registration Form 9, 24 and 48 or
    • Latest EPF Statement or
    • Latest Borang B/BE (submitted fully to LHDN)

    Fees and Charges

    Annual Fees

    Cashback Gold Mastercard: RM185.5

    Gold Mastercard: Waived for life

    JustOne Platinum Mastercard: RM265

    Priority Banking Visa Infinite: RM848

    Visa Platinum: Waived for life

    WorldMiles Mastercard: RM636

    Supplementary Fees

    Cashback Gold Mastercard: RM106

    Gold Mastercard: Waived for life

    JustOne Platinum Mastercard: Waived for life

    Priority Banking Visa Infinite: RM424

    Visa Platinum: Waived for life

    WorldMiles Mastercard: Waived for life

    Retail Interest Rate 15% to 18% p.a.
    Cash Advance Fee Up to 5.3% or RM26.50 per transaction
    Cash Advance Interest Rate 5.3%
    Overseas Transactions 1% of the total transacted amount
    Late Payment Fees

    1% of the total outstanding dues or minimum R10 whichever is higher

    Capped at RM100 per account

    Minimum Monthly Payment 5% or RM50 whichever is higher
    Statement Request

    RM5.30 for a statement of 36 months and below (per copy)

    RM10.60 for statements above 36 months (per copy)

    Activation or Cancellation

    Activation

    • Activate your card through phone banking.
    • Register your mobile number when you apply for a card.
    • Setup your PIN and activate your card.
    • Phone banking is free though you will be charged normal rates by your telecom provider.

    Cancellation

    • Cancel your card by calling the contact centre or by submitting a written notice of cancellation.
    • Cut your card in half and return to Standard Chartered Bank.

    Security Features

    • Secure Payment Method: This feature involves the use of Personal Identification Number (PIN) to enhance protection against fraud.
    • 3D Secure Service: This is an online security feature enabled by Mastercard and Visa to secure online card transactions.

    Samsung Pay: This is a user-friendly mobile payment service that uses Magnetic Secure Transmission (MST) and Near Field Communication (NFC) technology. This payment service offers secure mobile payments.

    Lost Card Liability

    • The maximum liability of lost or stolen card will not exceed RM250.
    • This is subject to you notifying the theft or loss to the bank immediately and not indulging in fraud of any sort.

    How to Report a Lost or Stolen Card?

    • Call 1800 88 8998 or +603 7849 6888 immediately to notify a theft or a loss.

    Bank Statements

    You will receive your card statement every month through the post.

    Online Banking

    • View your latest card statements online.
    • Click on “Transactional History” under “Cards” and input the time period for the transactions.
    • You can view the current and previous 2 months card statements online.

    eStatements and eAdvices

    • Register for eStatements and eAdvices facility through online banking.
    • Click on settings to verify your email address and click on “Change Subscription” to receive card statement through email.

    Increase or Decrease Credit Limit

    • Call up the bank to put in the request for increase or decrease of your credit limit.
    • Approval is subject to the bank’s discretion based on your transaction history and annual income.  

    How to Apply For a Credit Card?

    • Fill in an online application form with relevant details such as your personal details and employment details. Attach the supporting documents to the completed form and submit it online.
    • The Priority Banking Visa Infinite Card is only by invitation.

    Standard Chartered Bank Credit Cards FAQs

    Q. What is the contact number for any enquiries on credit cards?

    A. The number to call is 1300 888 888 (local) or +603 7711 8888 (overseas).

    Q. Is there an interest-free period available on these credit cards?

    A. Yes. These credit cards offer a 20-day interest-free period only on retail transactions. However, this interest-free period is only applicable if the outstanding dues from previous months are paid in full.

    Q. How can I redeem the cashback on my card?

    A. You can choose to redeem your cashback in 2 ways. You can choose to transfer your cashback to your card account.  Or you can choose to redeem your cashback for any rewards available on rewards site.

    Q. Do I need to register to redeem my reward points?

    A. Yes. To redeem your rewards points, you have to register and log in to the rewards site. However, you can browse the rewards catalogue and get additional information on the site without the need for registration or login.

    Q. Can I pay my card bills online through international fund transfer?

    A. Yes. You can pay your card bills through immediate, future transfer or scheduled payment modes online. Click on card payment through online banking and select your card. Select minimum, full or outstanding amount. Enter banking details. Confirm and submit to make a payment.

    Q. Can I pay my credit card bill with a foreign currency cheque?

    A. Yes. You can pay your card bill through a foreign currency cheque. You will be charged RM53 for each cheque payment.

    Q. Can I transfer my reward points to others?

    A. Yes. You can transfer your rewards points to a maximum of 5 nominated persons who have a Standard Chartered credit card with 360 rewards points programme. You have to pay a transfer fee of RM10.60 for every 50,000 reward points transferred. However, there is no fee for points transfer between the primary and supplementary cards.

    Q. Is there a penalty fee if I exceed my credit limit?

    A. Yes. You will be charged RM53 if you exceed your credit limit.

    Q. Is the minimum monthly payment same for Flexipay Plus or Balance Transfer Plus?

    A. No. The minimum monthly payment for Flexipay Plus and Balance Transfer Plus is the full instalment amount each month. Any partial payment under these schemes will attract penalty charges.

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