Get Cashback & Discounts Through Standard Chartered Smart Credit Card

[This is a paid article by Standard Chartered Bank.]

When you think of the millennial lifestyle, your mind probably turns to all that is digital.

Our favorite radio station? Try Spotify. Favorite TV channel? More like Netflix. Our favorite way to shop? Lazada or Shopee. How do we like to pay today? Electronic wallets.

Of course, the majority of these services require you to pay some amount of money to access them. Along the way, someone came along and invented the smart concept of cashback.

Since then, it has been a common way for financial service providers to reward their clients, but few are quite so in tune with today’s millennial digital lifestyle.

With millennium priorities in mind, Standard Chartered is releasing its new Standard chip credit card, aimed at working professionals earning an annual income of RM36,000.

If you fall into this category, here’s why you should want it.

1.30% discount on ecommerce spend

Now that we’re not so eager to go out jalan-jalan, many of us probably spend our free time browsing e-commerce sites, our fingers itchy shopping.

It’s hard to hold back, but using the standard chip credit card will pay off 30% cash back when spending on merchants in different categories.

Note, however, that your cashback would be capped at RM80 / month for the first 6 months after integration.

Here is a detailed example of how cashback works:

CategoryCashbackMerchants
Purchases30% cashback capped at RM15 for the first 4,000 eligible customers per monthLazada, Shopee, Zalora
Electronic wallet30% cashback capped at RM15 for the first 4,000 eligible customers per monthBoost, GrabPay, Touch ‘N Go electronic wallet
Trip30% discount capped at RM50 for the first 500 eligible customers per monthAgoda, Klook, RoamingMan
This promotion will be available from November 1, 2020 to April 30, 2021.
Image Credit: Standard Chartered Bank

2.30% discount on in-store catering offers and food deliveries

We have no choice but to spend on food, but being rewarded for eating makes it a little less painful.

The Standard Chartered Smart Credit Card gives users 30% cash back for in-store meals and delivery with terms and conditions, but that’s not all.

Each participating merchant also offers various discounts to sweeten the deal.

To get 30% discount on in-store purchases, all you need to do is spend at least RM100. (Hint, hint, it’s time to take your family out for a nice lunch or dinner, but with the appropriate COVID-19 SOPs in place.)

This applies to merchants like Dragon-i, An Viet, Aloft Kuala Lumpur Sentral, Bar.BQ Plaza, etc.

If you just want to stay home and have good meals with your family, spending 50 RM or more at food delivery vendors like dahmakan, Domino’s Pizza, foodpanda, etc. will get you 30% off.

This promotion will be available until December 31, 2020.

3.6% discount on digital entertainment spending

Most of us have some form of entertainment to relax and unwind, and if you tend to spend on games and shows, this deal would be of benefit to you.

By spending a minimum of RM 1,000 per month on retail purchases (local and international) using your Standard Chartered Smart Credit Card, you would unlock a 6% cash back offer at select merchants, capped at RM 20 each month .

The traders concerned are:

  • Netflix,
  • Spotify,
  • Astro,
  • Steam,
  • PlayStation,
  • Joox,
  • iQIYI.

4.RM20-RM30 Off in daily offers

From now to December 31, 2020, using your Smart Chartered Standard credit card would also allow you to get daily offers from certain merchants.

dayMerchantOrHow? ‘Or’ What
MondayShopeeShopee app20 RM off with minimum spend of 150 RM, using promo code: SCBMON
TuesdayLazadaLazada app20 RM discount with minimum spend of 150 RM, using promo code: SCBTUE20
WednesdayZaloraZalora app30 RM discount with a minimum of 150 RM spending, using promotional code: SCBDEALS
ThursdayWatsonswatsons.com.my30 RM discount with a minimum spend of 150 RM
FridayTaobaoTaobao app20 RM discount with a minimum spend of 150 RM
Image Credit: Standard Chartered Bank

5. Additional cash with 0% interest rate

A major benefit of the Standard Chartered Smart Credit Card is that you can get up to RM15,000 in extra cash at 0% interest rate plus RM100 back when you make at least one transaction with the card in 60 days after approval.

It’s an ongoing promotion called the 0% Check-On-Call Plus.

Here’s how it compares to standard credit card interest rates:

Amount (RM)MandateNormal credit card interest (18% pa) *0% Check-On-Call Plus
5,00012 months7430
10,00012 months1,4850
15,00012 months22280
* The 18% credit card interest calculation is based on a minimum repayment rate of 5% each month for 12 months.

The promotion is valid until December 31, 2020, and you get a 12 month refund period.

This offer is exclusively for newcomer credit card applications (for those who do not have a prior banking relationship with Standard Chartered).

6. Save Money and Earth with CarbonNeutral Cards

Standard Chartered Smart Credit Card is positioned as Malaysia’s first CarbonNeutral card.

What is it, you ask?

As part of the CarbonNeutral ® program, the card manufacturer calculates the carbon footprint incurred (in kgCO2eq) for the production of this card, from the extraction and processing of raw materials, the manufacture and distribution of products, to disposal at end of life.

By offsetting emissions through the CarbonNeutral ® program, we provide carbon finance to support the development of renewable energy projects such as solar power and wind farms, preserving threatened forests and supporting projects that improve health and household well-being in developing economies.

Standard Chartered Bank Representative

7. You get a bonus sign-up offer

When you sign up for the Smart Chartered Standard credit card, you get RM200 back after activating the card and spending within 45 days from the approved date.

But that’s not the only bonus you get when you sign up.

There is a surprise hidden in this link, and you will get the RM100 discount bonus when you manage to find it. (This is only available from November 1 to 15.)

The index is: Search for smarT. You can also follow their Facebook page for more clues.

  • You can get more information about the standard chip credit card here.
  • Note: some terms and conditions apply, so be sure to check them out first.

Featured Image Credit: Anna shvets on Pexels

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Jothi Venkat

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