Standard Chartered · Visa · Miles

Standard Chartered Beyond Priority Banking

Good for

Foreign currency dining and shopping earn 10 points per RM1, other foreign currency spend 5.
8 LoungeKey lounge visits a year, shared with supplementary cardholders.
Six Grab airport rides a year, up to RM60 off each.

Local spend earns 1 point per RM1; the bonus rates need a foreign currency.
Lounge visits, Grab rides and the fee waiver all need RM350,000 kept with the bank.
Government, JomPAY, FPX, DuitNow QR, PayPal and petrol payments earn no points.

360° Rewards Points, per RM spent, and the miles they make in Enrich, KrisFlyer or Asia Miles.

Spending	Earns	Details
Dining, Offline shopping, Fashion and more in a foreign currency	10 points per RM	1.43 miles per RM.
Spending in a foreign currency	5 points per RM	0.71 miles per RM.
Spending in ringgit	1 point per RM	0.14 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and Petrol	Nothing

Enrich: 7,000 points for 1,000 miles Moved in blocks of 7,000 points.
KrisFlyer: 7,000 points for 1,000 miles Moved in blocks of 7,000 points.
Asia Miles: 7,000 points for 1,000 miles Moved in blocks of 7,000 points.

Airport lounges: 8 free visits a year LoungeKey. Shared with supplementary cardholders, per calendar year. Only while you keep RM350,000 with the bank as a Priority Banking client; otherwise, and for extra visits and guests, USD29 a person a visit.
Overseas spending fee: 1% 1% Standard Chartered fee on charges in a foreign currency, plus any fee Visa or Mastercard adds.

Free. The cover applies once you use the card at least once while abroad.

Travel accident: Overseas medical bills up to RM50,000 Up to RM25,000 from age 70. Dental up to RM500 and emergency assistance up to RM100,000. Covers the main cardholder and spouse.
Travel inconvenience: Delayed baggage up to RM1,000 Main cardholder and spouse.
Shopping and fraud cover: Purchase protection up to RM10,000 Main cardholder and spouse. Visa also covers online purchases up to USD200 a year, until 30 September 2027.
Insurer: MSIG Insurance (Malaysia) Claims go to MSIG, not Standard Chartered.

What it costs if you don't pay in full, or use it for cash.

Annual fee: RM800 Free the first year.
Extra (supplementary) cards: RM400 a year Waived whenever the main card's fee is waived. Plus RM25 service tax a year.
Service tax: RM25 a year per card A government charge on every credit card in Malaysia, billed by the bank.
Interest: 15%, 17% or 18% a year Depends on how many of the last 12 payments were on time. Paying at least the minimum counts. None if you pay the full balance by the due date (20 days after your statement).
Minimum monthly payment: 5% of the balance, or RM50 Whichever is higher, plus any instalments, overlimit and past-due amounts.
Late payment: 1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal: RM12.40 fee per withdrawal Plus 8% service tax on the fee, and 18% a year interest worked out daily from the day you take it out. No interest-free days.

Income: Priority Private or Priority Banking clients only
Age: 21 to 65 Extra cardholders from 18.
Documents: MyKad, both sides
Private-sector employees: EPF statements for the last 2 years, downloaded from KWSP i-Akaun
Government employees and the self-employed: the latest Form B or BE with its acknowledgement page
Non-fixed salary: commission statement and bank statement
Existing Standard Chartered cardholders need no documents unless their income has changed.

Concierge: Visa Infinite Concierge 24/7 app for bookings at home or abroad.
Pay by phone: Apple Pay, Google Pay, Samsung Pay Apple Pay is added from the SC Mobile app.
Card network: Visa