Standard Chartered Visa Platinum
Standard Chartered Visa Platinum
RM 3,000
Minimum monthly income
RM 0
Annual fee
Free for the first 2 years and in the following years, when you spend minimum RM12,000 per year. Otherwise, RM120 annual fee is charged for the Principal Card while it is free for the Supplementary Card
15%
Interest rate p.a
3.99%
Balance transfer rate (fixed)
Product details
Product details
Benefits
Dine, shop & travel to your heart's content
Get 5X more points when you spend on dining, shopping at department stores and when overseas!
Retail Spend Reward
Find your retail spend rewarded with up to 5,000 bonus points monthly when you spend a minimum of RM1,500.
RM1 deals with participating merchants via Live The Good Life program
Enjoy RM1 deals at ZUS Coffee, The Inside Scoop and other merchants!
Flexible credit lines
Improve cash flow with Standard Chartered's Flexi-On-Balance-Plus, Automatic Balance Conversion, Easy-Payment-Scheme, Credit Card Limit Increase and many more.
Features
Good for
Rewards/Offers
5X Reward Points on Dining, Department Store & Overseas spend
Enjoy digital payments via Apple Pay, Samsung Pay & Google Pay
Get more benefits with Cash-On-Call, FlexiPay & more
Additional 5,000 Reward Points per month when you spend RM1,500 and above
Annual Fee waiver for the first and second year
Eligibility
| Minimum monthly income | RM 3,000 |
| Minimum age: | |
| Cardholder | 21 |
| Supplementary Cardholder | 18 |
Fees & Charges
| Annual fee | RM 0 | Free* |
| Annual fee waiver | Yes | Free for the first 2 years and in the following years, when you spend minimum RM12,000 per year. Otherwise, RM120 annual fee is charged for the Principal Card while it is free for the Supplementary Card |
| Late payment fee | RM 10/1% | 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate | 15% | Per annum and for cardmembers who promptly settle their minimum payment due for 12 consecutive months, with a max cap of 18% interest dependent on cardmembers' payment behaviour |
| Balance transfer rate (fixed) | 3.99% | Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
| Annual fee |
RM 0 Free* |
| Annual fee waiver |
Yes Free for the first 2 years and in the following years, when you spend minimum RM12,000 per year. Otherwise, RM120 annual fee is charged for the Principal Card while it is free for the Supplementary Card |
| Late payment fee |
RM 10/1% 1% of the outstanding balance or RM10, whichever is higher (to a maximum of RM100) |
| Interest rate |
15% Per annum and for cardmembers who promptly settle their minimum payment due for 12 consecutive months, with a max cap of 18% interest dependent on cardmembers' payment behaviour |
| Balance transfer rate (fixed) |
3.99% Up to 36 months Balance Transfer period with minimum transfer of RM1,000 and no one-time upfront handling fee |
Document required to apply
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Private Fixed Income and Government):
- Photo of NRIC (front/back)
-
Proof of Income, such as:
- Latest detailed EPF statement (minimum of 2 years and downloaded from the KWSP i-Akaun app/website)
- Latest Form B/BE with LHDN Acknowledgement Receipt
Salaried Employees (Commission earner)
- Photo of NRIC (front/back)
-
Proof of Income, such as:
- Commission statement and bank statement
- Latest Form B/BE with LHDN Acknowledgement Receipt
Business Owners:
- Photo of NRIC (front/back)
- Latest Form B/BE with LHDN Acknowledgement Receipt
For existing Standard Chartered credit cardholders:
None required. If you've recently had a change in your salary, please update your documents.
Note:
Effective 13 May 2024, please ensure that "Akaun 3" is shown in the downloaded EPF statement.
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The Standard Chartered Visa Platinum credit card is one of the highest rewards credit cards, especially if you love dining out and shopping at department stores. You can earn up to 5x points when you spend a minimum of RM1,500 monthly.
| Category | Reward Points |
|
Dining |
For every RM1 spent, you earn 5x points |
|
Shopping |
For every RM1 spent at selected department stores, you earn 5x points |
|
Overseas |
For every RM1 spent overseas, you earn 5x points |
|
All Other Spend |
For every RM1 spent, you earn 1x points |
That’s not all! There are more rewards and bonus points with the Visa Platinum Card:
- Obtain 5,000 reward points as a bonus every month provided you spend a minimum of RM1,500 or more
- Earn 1x reward point for every RM1 on all other local spend
- Get travel essentials, gift cards or home electronics when you redeem your points
What are the Visa Platinum Credit Card requirements?
To apply for the Visa Platinum credit card, you would have to be earning a minimum annual income of RM36,000. The minimum age requirement would be 21 years old to 65 years old. If you are 18 years old, you can apply for a supplementary card.
