Standard Chartered · Mastercard · Miles

Standard Chartered Journey

Good for

Dining, travel and foreign currency spend earn 1 Miles Point per RM1, which is 0.5 airline miles.
Unlimited Plaza Premium visits at KLIA and klia2 for the main cardholder.
Up to RM65 back on one Grab airport ride a month, after RM2,500 of travel spend in 90 days.

Other local spend earns 1 Miles Point per RM5, only 0.1 airline miles per RM1.
Petrol, utilities, telco, government, JomPAY and e-wallet reloads earn no points.
RM600 annual fee from year two unless you spend RM60,000 a year.

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

Spending	Earns	Details
Dining, Airlines (direct), Hotels (direct) and more in ringgit	1 point per RM	0.5 miles per RM.
Spending in a foreign currency	1 point per RM	0.5 miles per RM.
Spending in ringgit	0.2 points per RM	0.1 miles per RM.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Petrol and more	Nothing	Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers, Petrol, Utilities, Telco, Touch 'n Go reload, Grab top-up / GrabPay, Boost top-up, ShopeePay top-up and MAE / other e-wallet.

Enrich: 2,000 points for 1,000 miles Moved in blocks of 2,000 points.
KrisFlyer: 2,000 points for 1,000 miles Moved in blocks of 2,000 points.
Asia Miles: 2,000 points for 1,000 miles Moved in blocks of 2,000 points.

Airport lounges: Unlimited visits Plaza Premium. KLIA and klia2 only, with an international boarding pass. Main cardholder only; guests get 20% off. A supplementary cardholder's visit may be charged to the account at 20% off.
Overseas spending fee: 1% 1% Standard Chartered fee on charges in a foreign currency, plus any fee Visa or Mastercard adds.

Free. Register before you travel, then pay the full fare with this card or its points. For cardholders aged 18 to 69.

Medical bills on a trip: Up to USD100,000 For injury or sickness on the trip, including emergency evacuation and COVID-19. Your spouse and children are covered too, at 50% of each limit.
Shopping and fraud cover: Online purchases up to USD200 A Mastercard e-commerce cover, USD200 a year.
Travel inconvenience: Not listed Standard Chartered does not list this cover for this card.
Insurer: AIG Malaysia Insurance Claims go to AIG, not Standard Chartered.

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

Annual fee: RM600 Free the first year. Waived if you spend RM60,000 in a year.
Extra (supplementary) cards: Free 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: RM96,000 a year or more
Who: Malaysian citizens only. Applications start with a Priority Banking or Priority Mortgage relationship manager at a branch.
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.

Pay by phone: Apple Pay, Google Pay, Samsung Pay Apple Pay is added from the SC Mobile app.
Card network: Mastercard