Standard Chartered Visa Platinum
8x Rewards Points per RM1 overseas + 5x on dining & grocery
Apply for Standard Chartered Visa Platinum →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
Standard Chartered Visa Platinum overview
The Standard Chartered Standard Chartered Visa Platinum is a Platinum-tier Visa miles card built around air miles. 8x Rewards Points per RM1 overseas + 5x on dining & grocery. It best suits upper-middle-income earners, with a minimum income requirement of RM96,000 a year. It has an annual fee of RM250 (free for the first 2 years (t&c apply; no public subsequent-year waiver condition confirmed)).
Features & benefits
- ✓8x Rewards Points per RM1 on overseas/foreign-currency spend
- ✓5x Rewards Points per RM1 on dining & grocery spend
- ✓5,000 bonus Rewards Points/month when you spend RM1,500+ online in a billing cycle
- ✓1x Rewards Point per RM1 on all other local spend
- ✓Annual fee (RM250) waived for the first 2 years
Is the Standard Chartered Visa Platinum worth it?
The Standard Chartered Visa Platinum is best suited to upper-middle-income earners — its minimum income requirement is RM96,000 a year (about RM8,000 a month). As a miles card, it works best for frequent flyers who will convert spending into air miles and redeem them for flights or upgrades.
- +Annual fee waivable (free for the first 2 years (t&c apply; no public subsequent-year waiver condition confirmed))
- −RM250 annual fee unless the waiver condition is met
- −Higher income requirement — RM96k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
Eligibility & how to apply
Requirements are general guidance — Standard Chartered sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the Standard Chartered Visa Platinum, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No Rewards Points on cash advances/withdrawals, annual fees, interest, finance & late payment charges, Balance Transfer/Balance Transfer Plus/Flexi On Balance Plus/Easy Payment Scheme, government service tax & other statutory taxes, government-related transactions (rates, charges, fines), charity/organisation payments, JomPay/FPX/DuitNow QR & PayPal (MCC 8999), and casino transactions (MCC 7995/4829/6051).
- How the cap works
- 5,000 bonus points awarded when online spend reaches RM1,500+ within a billing cycle (on top of the standard 5x dining/petrol, 1x other-spend earn rates); no overall spend cap stated for the base earn rates themselves.
- Foreign transaction fee
- The Bank will charge a 1% administration fee on the amount transacted in foreign currency, plus Visa's own interchange/conversion rate.
Verified 14 August 2026. Summarised in our own words from Standard Chartered's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official Standard Chartered Visa Platinumterms & product disclosure →Standard Chartered Visa Platinum FAQ
You need a minimum annual income of RM96,000 (about RM8,000 a month). Standard Chartered also considers your overall credit standing.
The annual fee is RM250, but it can be waived: free for the first 2 years (t&c apply; no public subsequent-year waiver condition confirmed).
It earns air miles. 8x Rewards Points per RM1 overseas + 5x on dining & grocery.
No — the Standard Chartered Visa Platinum is a conventional credit card. Check with Standard Chartered for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want air miles — its main draw is "8x Rewards Points per RM1 overseas + 5x on dining & grocery". Weigh the RM250 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the Standard Chartered Visa Platinum compares
This card features in our ranked shortlists — compare it against the best in each category:
Rates, fees and promotions are indicative and time-limited — always confirm current terms with Standard Chartered before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by Standard Chartered; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.