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Standard Chartered · Visa · Miles

Standard Chartered Visa Platinum

Earns
0.17 miles per RM Overseas
Lounge
Not stated
Min income
RM96,000 a year
Annual fee
RM250 First year free
See it on Standard Chartered's site

Good for

  • 8 points per RM1 on foreign currency spend, and 5 points per RM1 on dining and groceries in ringgit, uncapped.
  • 5,000 bonus points in each billing cycle with RM1,500 of online spend.
  • No annual fee for the first 2 years.

Watch out

  • Points are worth little in miles: 33,000 points buy 1,000 KrisFlyer or Asia Miles, 46,000 buy 1,000 Enrich.
  • RM250 a year from year three, with no spend waiver since 1 January 2026.
  • Government, charity, JomPAY, FPX, DuitNow QR and PayPal 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
Spending in a foreign currency8 points per RM 0.24 miles per RM with KrisFlyer or Asia Miles, or 0.17 miles per RM with Enrich.
Dining and Groceries in ringgit5 points per RM 0.15 miles per RM with KrisFlyer or Asia Miles, or 0.11 miles per RM with Enrich.
Spending in ringgit1 point per RM 0.03 miles per RM with KrisFlyer or Asia Miles, or 0.02 miles per RM with Enrich.
Government / LHDN / JPJ and JomPAY / FPX / DuitNow to billersNothing

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 adds.

Fees and charges

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

Annual fee
RM250 Free the first year.
Extra (supplementary) cards
RM135 a year 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. 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.
Late payment
1% of the balance, RM10 to RM100 Charged when the minimum payment is late.
Cash withdrawal
RM12.40 fee per withdrawal

Who can apply

Income
RM96,000 a year or more
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
Visa

Where this comes from