Standard Chartered Smart Credit Card – MyFinance

Standard Chartered Smart Credit Card

Feature Highlights

Earn up to RM50 cashback every month on your online purchases and digital lifestyle spends with a Smart Credit Card.
Until 31 December 2021, get 30% cashback capped at RM30 per cardholder per month on your online spending at selected merchants.
Spend minimum RM1,000 on retail transactions to unlock 6% digital lifestyle cashback, capped at RM20 each month.

Benefits & Features

6% cashback on Digital Lifestyle spend

To unlock a 6% cashback, capped at RM20 per month from your Standard Chartered Smart Credit Card on Digital Lifestyle category, just spend a minimum of RM1,000 on retail transactions at these merchants:

Astro
iQIYI
Joox
Netflix
PlayStation
Spotify
Steam

Fees and Charges

RM120 for primary card holder but free for first year and waived when you spend RM12,000 annually for the subsequent years while it is totally free for supplementary card holders.

Are You Eligible For The Standard Chartered Smart Credit Card?

Anybody can apply for the Standard Chartered Smart Credit Card if you are earning a minimum annual income of RM36,000 and is between 21 years old to 65 years old to apply as principal card holder and to be at least 18 years old for holding a supplementary card.

The above sources can be found at https://ringgitplus.com/en/

Fees & Charges

Flexibility Fee and Charges

Interest Rate

15% p.a.
Annual Fee

Free

Redeem Rewards

Get Cashback for 5 E-Wallets

Rejoice all Standard Chartered credit cardholders as you get to collect multiple cashbacks when you reload and make purchases with selected E-Wallets. These include GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Head over to our blog post to find out more! Terms and conditions apply.

Line of Credits

Standard Chartered Smart Credit Card is equipped with beneficial credit lines such as Flexi Pay Plus and Balance Transfer Plus which offer competitive rates and flexible repayment tenures. Besides that, you will also get to enjoy 0% p.a. interest on Cheque-on-Call Plus with up to RM15,000 for 12 months.

Premium

Collect multiple cashbacks when you reload and make purchases with selected E-Wallets such as GrabPay, Fave, Lazada Wallet, Boost, and Touch ‘n Go eWallet. Terms and conditions apply.

Borrow Privileges

Card Information

- - Min. Monthly Income
    
    RM3,000
  - Min. age for principal holder
    
    21 to 65 years old
  - Min. age for supplementary holder
    
    18 and above

Fee for supplementary holder

Free for life.

Finance charges

9.88% p.a. – no one-time upfront handling fee with a minimum spent of RM500 for 6 months
9.88% p.a – no one-time upfront handling fee with a minimum spent of RM500 for 9 months
9.88% p.a – no one-time upfront handling fee with a minimum spent of RM500 for 12 months

9.88% p.a – no one-time upfront handling fee with a minimum spent of RM500 for 18 months