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Standard Chartered · Mastercard · Miles

Standard Chartered Platinum Basic

Earns
0.02 miles per RM Touch 'n Go reloads
Lounge
Not stated
Min income
RM96,000 a year
Annual fee
Free for life 1% overseas fee, lower than most
See it on Standard Chartered's site

Good for

  • No annual fee for life, for the main and supplementary cards.
  • Every RM1 earns 1 point, in ringgit or a foreign currency.

Watch out

  • Points are worth little in miles: 33,000 points buy 1,000 KrisFlyer or Asia Miles, 46,000 buy 1,000 Enrich.
  • Government, JomPAY, FPX, DuitNow QR, PayPal and petrol payments earn no points.
  • Points expire after 3 years.

What it earns

360° Rewards Points, per RM spent. Each row says what the points are worth.

SpendingEarnsDetails
All spending1 point per RM 0.03 miles per RM with KrisFlyer or Asia Miles, or 0.02 miles per RM with Enrich.
Government / LHDN / JPJ, JomPAY / FPX / DuitNow to billers and PetrolNothing

Points and transfers

Enrich
46,000 points for 1,000 miles Moved in blocks of 46,000 points.
KrisFlyer
33,000 points for 1,000 miles Moved in blocks of 33,000 points.
Asia Miles
33,000 points for 1,000 miles Moved in blocks of 33,000 points.

Travel

Overseas spending fee
1% 1% Standard Chartered fee on charges in a foreign currency, plus any fee Visa or Mastercard adds.

Fees and charges

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

Annual fee
Free for life No spending needed to keep it free.
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.

Who can apply

Income
RM96,000 a year or more
Who
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.

Other perks

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

Where this comes from